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NORTHEAST HOME LOAN, LLC
Independent Mortgage Company|ST JOHNSBURY, VT|Multi-Region
Loans Originated
554
Applications
639
Volume
$215 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.293%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,525
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
86.7%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
Report Card
NORTHEAST HOME LOAN, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
Jumbo | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Strong | Multi-Regional · 5 metro areas · 6 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$389,043
Average Borrower Income
$186,404
Average Property Value
$525,379
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Strong | Exceptional | 531 | 95.8% | +0.293% | $1,450 |
Jumbo Loans | Sound | Sound | N/A | N/A | 12 | 2.2% | +0.649% | $4,298 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Sound | Strong | 505 | 91.2% | +0.293% | $1,677 |
Refinance | Strong | Sound | Strong | Strong | 49 | 8.8% | +0.290% | $9 |
Geographic Coverage
Metro Areas
4
States Served
6
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
CTMAMENCNHVT
Top Metro Areas by Place Specialization Score
1
Burlington, VTMSA
Volume: 238Mix: 42.96%
Place Specialization
Exceptional
2
Portland, MEMSA
Volume: 25Mix: 4.51%
Place Specialization
Sound
3
Rockingham County, NHMSA
Volume: 16Mix: 2.89%
Place Specialization
Sound
4
Boston, MA, MAMSA
Volume: 18Mix: 3.25%
Place Specialization
Sound
Top States by Place Specialization Score
1
VTState
Volume: 433Mix: 78.16%
Place Specialization
Exceptional
2
NHState
Volume: 44Mix: 7.94%
Place Specialization
Strong
3
MEState
Volume: 38Mix: 6.86%
Place Specialization
Sound
4
MAState
Volume: 36Mix: 6.50%
Place Specialization
Sound
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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