Get & compare mortgage quotes anonymously Start in My Home
NHL
Unclaimed

Northeast Home Loan

Independent Mortgage Company•St Johnsbury, VTHQ•Wholesale•Reviews near you on Google

We analyzed every closed loan from Northeast Home Loan — 554 loans across 639 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Strong
4/5
Multi-Region · 4 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance

Explore another lender or local market

Report Card

Northeast Home Loan performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+29.3 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
Jumbo
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Exceptional
Volume531
Mix95.8%
Spread
+0.293%Above
Fees
$1,450Fees
Jumbo Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through—
Volume12
Mix2.2%
Spread
+0.649%Above
Fees
$4,298Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume505
Mix91.2%
Spread
+0.293%Above
Fees
$1,677Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Strong
Volume49
Mix8.8%
Spread
+0.290%Above
Fees
$9Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
554
Applications
639
Volume
$215 million
Pricing & Closing
Avg Rate Spread
+0.293%
vs. market APOR
Avg Net Fees
$1,525
Origination − Credits
Pullthrough Rate
86.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$389,043
Avg Borrower Income
$186,404
Avg Property Value
$525,379

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
6
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

6
6 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast5
CTMEMANHVT
South1
NC

Top Metro Areas by Place Specialization Score

1© Boston Public Library · CC BY 2.0
Burlington, VTMetro
Volume 238Mix 42.96% of portfolio
90/100
Exceptional
2© Seasider53 · CC BY 4.0
Portland, MEMetro
Volume 25Mix 4.51% of portfolio
56/100
Sound
3© John Phelan · CC BY-SA 3.0
Rockingham County, NHMetro
Volume 16Mix 2.89% of portfolio
50/100
Sound
4© Luciof · CC BY-SA 3.0
Boston, MAMetro
Volume 18Mix 3.25% of portfolio
48/100
Sound

Top States by Place Specialization Score

Vermont
Vermont
1
VermontState
Volume 433Mix 78.16% of portfolio
93/100
Exceptional
New Hampshire
New Hampshire
2
New HampshireState
Volume 44Mix 7.94% of portfolio
61/100
Strong
Maine
Maine
3
MaineState
Volume 38Mix 6.86% of portfolio
58/100
Sound
Massachusetts
Massachusetts
4
MassachusettsState
Volume 36Mix 6.50% of portfolio
53/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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.

Looking for a different lender?

Are you the owner of Northeast Home Loan?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile
The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
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.