# NORTHEAST CREDIT UNION

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


NORTHEAST CREDIT UNION is a credit union, headquartered in Portsmouth, NH, serving borrowers across 3 states, with 246 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 51% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 51% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 54930070JV4STJJ0XS74
- **Headquarters:** Portsmouth, NH
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** ME, NH, VT
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 97%
- **Brokered/Wholesale:** 3%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 49/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 49/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.299%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $885
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 246
- **Dollar Volume:** $78 million
- **Applications Received:** 466
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $318,293
- **Average Borrower Income:** $154,654
- **Average Property Value:** $506,870

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 53/100 | 240 | +0.300% | $888 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 161 loans, Score: 49/100 (Sound)
- Refinance: 79 loans, Score: 63/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 49/100 | 167 | $62M | +0.202% | Sound ☺️ |
| Refinance | 61/100 | 79 | $16M | +0.451% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NH | 147 | 0.95% | 80/100 |
| ME | 94 | 0.61% | 72/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 96 | 57/100 |
| Portland | ME | 71 | 75/100 |
| Rockingham County | NH | 63 | 75/100 |
| Manchester | NH | 10 | 45/100 |

## Where This Lender Ranks

NORTHEAST CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Maine for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/maine/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Portland for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Maine Credit Unions
  - [View Full Rankings](https://saferate.com/maine/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in Portland Credit Unions
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in Rockingham County Credit Unions
  - [View Full Rankings](https://saferate.com/rockingham-county/best-mortgage-lenders/credit-unions)
- 🏆 **#6** in New Hampshire Credit Unions
  - [View Full Rankings](https://saferate.com/new-hampshire/best-mortgage-lenders/credit-unions)
- 🏆 **#6** in Rockingham County for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/rockingham-county/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#6** in Manchester for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/manchester/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#7** in New Hampshire for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/new-hampshire/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does NORTHEAST CREDIT UNION offer?

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

### Where does NORTHEAST CREDIT UNION offer mortgages?

NORTHEAST CREDIT UNION offers mortgages in 3 states: ME, NH, VT.

### How competitive are NORTHEAST CREDIT UNION's mortgage rates?

NORTHEAST CREDIT UNION has a pricing score of 49/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.299% above market average.

### What type of lender is NORTHEAST CREDIT UNION?

NORTHEAST CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Portsmouth, NH.

### What is NORTHEAST CREDIT UNION's loan approval success rate?

NORTHEAST CREDIT UNION has a pull-through score of 49/100 (Sound). 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/northeast-credit-union

### How to Cite

> "NORTHEAST CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/northeast-credit-union

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