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SACU

St. Anne's Credit Union

Credit UnionFall River, MAHQDirectReviews near you on Google

St. Anne's Credit Union has 85 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Acceptable
2/5
Conventional
Place
Strong
4/5
Regional · 2 mkts

Safe Rate Summary

What They Do Well

  • Offers rates 64.90 basis points below market average
  • Lower than average lender fees

Things to Think About

  • Pull through efficiency is below industry average

Explore another lender or local market

Report Card

St. Anne's Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 64.9 bps below market avg
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Bottom 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Acceptable
Bottom 40% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 2 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Acceptable
Pricing
Strong
Pull Through
Acceptable
Volume79
Mix92.9%
Spread
-0.634%Below
Fees
$1,733Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Acceptable
Pricing
Strong
Pull Through
Acceptable
Volume58
Mix68.2%
Spread
-0.674%Below
Fees
$1,636Fees
Refinance
Overall
Sound
Product
Acceptable
Pricing
Strong
Pull Through
Acceptable
Volume27
Mix31.8%
Spread
-0.595%Below
Fees
$1,902Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
85
Applications
162
Volume
$36 million
Pricing & Closing
Avg Rate Spread
-0.649%
vs. market APOR
Avg Net Fees
$1,719
Origination − Credits
Pullthrough Rate
52.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$423,588
Avg Borrower Income
$167,941
Avg Property Value
$645,235

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

2
2 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast2
MARI

Top Metro Areas by Place Specialization Score

1© Macaolards · CC BY-SA 4.0
Providence, RI-MAMetro
Volume 60Mix 70.59% of portfolio
72/100
Strong
Volume 20Mix 23.53% of portfolio
55/100
Sound

Top States by Place Specialization Score

Massachusetts
Massachusetts
1
MassachusettsState
Volume 75Mix 88.24% of portfolio
67/100
Strong
Rhode Island
Rhode Island
2
Rhode IslandState
Volume 10Mix 11.76% of portfolio
46/100
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.

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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.