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Unclaimed

Northeast Credit Union

Credit Union•Portsmouth, NH•Direct to Consumer

Northeast Credit Union has 246 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Sound
vs. all lenders
Pull Through
Sound
closing strength
Products
Sound
Conventional
Place
Strong
Regional · 3 mkts

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Report Card

Northeast Credit Union performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
Industry Standard
+29.9 bps above market avg
Pull Through
Closing strength
Sound
Industry Standard
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Industry Standard
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Industry Standard
Top 60% of lenders
Refinance
Strong
Highly Competitive
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Strong
Highly Competitive
Top 40% of lenders
Regional4 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Sound
Sound
Sound
Sound
24097.6%
+0.300%Above
$888Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Sound
Sound
Acceptable
16767.9%
+0.202%Above
$963Fees
Refinance
Sound
Strong
Sound
Sound
7932.1%
+0.451%Above
$764Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
246
Applications
466
Volume
$78 million
Pricing & Closing
Avg Rate Spread
+0.299%
vs. market APOR
Avg Net Fees
$885
Origination − Credits
Pullthrough Rate
52.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$318,293
Avg Borrower Income
$154,654
Avg Property Value
$506,870

Geographic Coverage

Geographic Performance

Metro Areas
3
States Served
3
We count Washington DC as a state
Avg Place Specialization
Strong

States with Loan Originations

MENHVT

Top Metro Areas by Place Specialization Score

1
Rockingham County, NHMSA
Volume: 63Mix: 25.61%of portfolio
Place
Strong
2
Portland, MEMSA
Volume: 71Mix: 28.86%of portfolio
Place
Strong
3
Manchester, NHMSA
Volume: 10Mix: 4.07%of portfolio
Place
Sound

Top States by Place Specialization Score

1
NHState
Volume: 147Mix: 59.76%of portfolio
Place
Exceptional
2
MEState
Volume: 94Mix: 38.21%of portfolio
Place
Strong

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.