# NEW ENGLAND

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

> **📋 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

NEW ENGLAND is a credit union, headquartered in Williston, VT, serving borrowers across 4 states, with 774 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 23% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 27% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300TLGCPJTEG3WN76
- **Headquarters:** Williston, VT
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** MA, MI, NH, VT
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 77/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 73/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.130%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,439
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 774
- **Dollar Volume:** $246 million
- **Applications Received:** 1,101
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $317,933
- **Average Borrower Income:** $143,465

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 79/100 | 763 | -0.132% | $1,464 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 616 loans, Score: 78/100 (Strong)
- Refinance: 147 loans, Score: 76/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 76/100 | 623 | $200M | -0.116% | Strong 😀 |
| Refinance | 75/100 | 151 | $46M | -0.189% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| VT | 750 | 12.82% | 100/100 |
| MI | 12 | 0.01% | 39/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Burlington | VT | 472 | 100/100 |
| Non |  | 286 | 69/100 |

## Frequently Asked Questions

### What loan types does NEW ENGLAND offer?

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

### Where does NEW ENGLAND offer mortgages?

NEW ENGLAND offers mortgages in 4 states: MA, MI, NH, VT.

### How competitive are NEW ENGLAND's mortgage rates?

NEW ENGLAND has a pricing score of 77/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.130% below market average.

### What type of lender is NEW ENGLAND?

NEW ENGLAND is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Williston, VT.

### What is NEW ENGLAND's loan approval success rate?

NEW ENGLAND has a pull-through score of 73/100 (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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/new-england

### How to Cite

> "NEW ENGLAND Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/new-england

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