What loan types does St. Mary's Bank Credit Union offer?

St. Mary's Bank Credit Union offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does St. Mary's Bank Credit Union offer mortgages?

St. Mary's Bank Credit Union offers mortgages in 3 states: MA, ME, NH.

How competitive are St. Mary's Bank Credit Union's mortgage rates?

St. Mary's Bank Credit Union has an overall pricing score of 59.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is St. Mary's Bank Credit Union?

St. Mary's Bank Credit Union is a Credit Union headquartered in Manchester, NH.

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St. Mary's Bank Credit Union

Credit Union•Manchester, NHHQ•Direct•Reviews near you on Google

St. Mary's Bank Credit Union has 259 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Exceptional

5/5

Regional · 2 mkts

Explore another lender or local market

Report Card

St. Mary's Bank Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+15.0 bps above market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

Jumbo

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Sound

Top 60% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Regional · 3 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Sound	Sound	249	96.1%	+0.150%Above	$1,252Fees
Jumbo Loans	Strong	Strong	—	—	10	3.9%	+0.148%Above	$956Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume249

Mix96.1%

Spread

+0.150%Above

Fees

$1,252Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through—

Volume10

Mix3.9%

Spread

+0.148%Above

Fees

$956Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Sound	215	83.0%	+0.110%Above	$1,292Fees
Refinance	Sound	Sound	Sound	Sound	44	17.0%	+0.316%Above	$1,049Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume215

Mix83.0%

Spread

+0.110%Above

Fees

$1,292Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume44

Mix17.0%

Spread

+0.316%Above

Fees

$1,049Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

259

Applications

404

Volume

$100 million

Pricing & Closing

Avg Rate Spread

+0.150%

vs. market APOR

Avg Net Fees

$1,245

Origination − Credits

Pullthrough Rate

64.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$389,826

Avg Borrower Income

$163,579

Avg Property Value

$566,815

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

Northeast3

MEMANH

Top Metro Areas by Place Specialization Score

Manchester, NHMetro

Volume 105Mix 40.54% of portfolio

88/100

Exceptional

Rockingham County, NHMetro

Volume 72Mix 27.80% of portfolio

77/100

Strong

Top States by Place Specialization Score

New HampshireState

Volume 249Mix 96.14% of portfolio

88/100

Exceptional

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.