# NORTH COUNTRY

> **Canonical URL:** https://saferate.com/lenders/north-country


> **📋 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


NORTH COUNTRY is a credit union, headquartered in South Burlington, VT, serving borrowers across 4 states, with 75 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 38% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 86% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300T2FOBK6WY4B349
- **Headquarters:** South Burlington, VT
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** FL, MD, NY, VT
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 62/100
- Rating: ●●●●○ (4/5)

### Pull Through: Mediocre 😐
- Score: 14/100
- Rating: ●○○○○ (1/5)

### Pricing Details
- **Average Rate Spread:** +0.402%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,189
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 75
- **Dollar Volume:** $19 million
- **Applications Received:** 295
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $257,267
- **Average Borrower Income:** $143,147
- **Average Property Value:** $383,667

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 38/100 | 75 | +0.402% | $1,189 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 51 loans, Score: 36/100 (Acceptable)
- Refinance: 24 loans, Score: 47/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 37/100 | 51 | $14M | +0.276% | Acceptable 🙂 |
| Refinance | 46/100 | 24 | $5M | +0.666% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| VT | 72 | 1.23% | 73/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 53 | 53/100 |
| Burlington | VT | 20 | 58/100 |

## Where This Lender Ranks

NORTH COUNTRY appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Vermont for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/vermont/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Burlington for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/burlington/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Vermont Credit Unions
  - [View Full Rankings](https://saferate.com/vermont/best-mortgage-lenders/credit-unions)
- 🏆 **#19** in Burlington
  - [View Full Rankings](https://saferate.com/burlington/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does NORTH COUNTRY offer?

NORTH COUNTRY offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does NORTH COUNTRY offer mortgages?

NORTH COUNTRY offers mortgages in 4 states: FL, MD, NY, VT.

### How competitive are NORTH COUNTRY's mortgage rates?

NORTH COUNTRY has a pricing score of 62/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.402% above market average.

### What type of lender is NORTH COUNTRY?

NORTH COUNTRY is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in South Burlington, VT.

### What is NORTH COUNTRY's loan approval success rate?

NORTH COUNTRY has a pull-through score of 14/100 (Mediocre). 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/north-country

### How to Cite

> "NORTH COUNTRY Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/north-country

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**[View Interactive Profile →](https://saferate.com/lenders/north-country)**