# JEANNE D'ARC Credit Union

> **Canonical URL:** https://saferate.com/lenders/jeanne-darc-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


JEANNE D'ARC Credit Union is a credit union, headquartered in Lowell, MA, serving borrowers across 3 states, with 252 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 31% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 34% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300KGE82WIZC87Y08
- **Headquarters:** Lowell, MA
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** MA, ME, NH
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 69/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 66/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.154%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,173
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 252
- **Dollar Volume:** $129 million
- **Applications Received:** 307
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $512,778
- **Average Borrower Income:** $199,563
- **Average Property Value:** $714,127

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 49/100 | 229 | -0.127% | $1,189 | Sound ☺️ |
| Jumbo | 67/100 | 23 | -0.476% | $986 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 193 loans, Score: 50/100 (Sound)
- Refinance: 36 loans, Score: 47/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 50/100 | 212 | $113M | -0.169% | Sound ☺️ |
| Refinance | 47/100 | 40 | $16M | -0.071% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MA | 198 | 0.33% | 75/100 |
| NH | 53 | 0.34% | 66/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Cambridge | MA | 144 | 78/100 |
| Boston, MA | MA | 37 | 61/100 |
| Manchester | NH | 32 | 66/100 |
| Rockingham County | NH | 15 | 51/100 |
| Worcester, MA | MA | 12 | 47/100 |

## Where This Lender Ranks

JEANNE D'ARC Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Cambridge Credit Unions
  - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Boston, MA Credit Unions
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Manchester Credit Unions
  - [View Full Rankings](https://saferate.com/manchester/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in New Hampshire Credit Unions
  - [View Full Rankings](https://saferate.com/new-hampshire/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Massachusetts Credit Unions
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Boston, MA for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Manchester for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/manchester/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Cambridge for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Boston, MA for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#4** in Manchester
  - [View Full Rankings](https://saferate.com/manchester/best-mortgage-lenders)
- 🏆 **#5** in Massachusetts for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#5** in Cambridge for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#5** in New Hampshire for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/new-hampshire/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#6** in Massachusetts for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#7** in Rockingham County for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/rockingham-county/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#8** in New Hampshire
  - [View Full Rankings](https://saferate.com/new-hampshire/best-mortgage-lenders)
- 🏆 **#12** in Cambridge
  - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders)
- 🏆 **#16** in Boston, MA
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does JEANNE D'ARC Credit Union offer?

JEANNE D'ARC Credit Union offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does JEANNE D'ARC Credit Union offer mortgages?

JEANNE D'ARC Credit Union offers mortgages in 3 states: MA, ME, NH.

### How competitive are JEANNE D'ARC Credit Union's mortgage rates?

JEANNE D'ARC Credit Union has a pricing score of 69/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.154% below market average.

### What type of lender is JEANNE D'ARC Credit Union?

JEANNE D'ARC Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Lowell, MA.

### What is JEANNE D'ARC Credit Union's loan approval success rate?

JEANNE D'ARC Credit Union has a pull-through score of 66/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/jeanne-darc-credit-union

### How to Cite

> "JEANNE D'ARC Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/jeanne-darc-credit-union

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