# St. Anne's Credit Union

> **Canonical URL:** https://saferate.com/lenders/st-annes-credit-union

> **📋 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

St. Anne's Credit Union is a credit union, headquartered in Fall River, MA, serving borrowers across 2 states, with 85 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 31% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 74% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900G03BZB89LOWZ28
- **Headquarters:** Fall River, MA
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** MA, RI
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 69/100
- Rating: ●●●●○ (4/5)

### Pull Through: Acceptable 🙂
- Score: 26/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.649%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,719
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 85
- **Dollar Volume:** $36 million
- **Applications Received:** 162
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $423,588
- **Average Borrower Income:** $167,941

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 34/100 | 79 | -0.634% | $1,733 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 54 loans, Score: 32/100 (Acceptable)
- Refinance: 25 loans, Score: 40/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 33/100 | 58 | $26M | -0.674% | Acceptable 🙂 |
| Refinance | 39/100 | 27 | $10M | -0.595% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MA | 75 | 0.12% | 67/100 |
| RI | 10 | 0.09% | 46/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Providence | RI-MA | 60 | 72/100 |
| Boston, MA | MA | 20 | 55/100 |

## Frequently Asked Questions

### What loan types does St. Anne's Credit Union offer?

St. Anne's Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does St. Anne's Credit Union offer mortgages?

St. Anne's Credit Union offers mortgages in 2 states: MA, RI.

### How competitive are St. Anne's Credit Union's mortgage rates?

St. Anne's Credit Union has a pricing score of 69/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.649% below market average.

### What type of lender is St. Anne's Credit Union?

St. Anne's Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Fall River, MA.

### What is St. Anne's Credit Union's loan approval success rate?

St. Anne's Credit Union has a pull-through score of 26/100 (Acceptable). 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/st-annes-credit-union

### How to Cite

> "St. Anne's Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/st-annes-credit-union

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