Jeanne D'arc Credit Union Mortgage Rates, Fees & Info
Lowell, MALEI: 549300KGE82WIZC87Y08
Tax ID: 04-1231965
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Mortgage Data
Review & Overview
Jeanne D'arc Credit Union is a smaller credit union specializing in Refi, Cash Out Refi, and Home Purchase loans. Jeanne D'arc Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Boston, Manchester, Worcester, Providence, and Portland among others. We have data for 13 markets. (Some data included below & more in-depth data is available with an active subscription.)Jeanne D'arc Credit Union has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Jeanne D'arc Credit Union is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.04% | 4/21/24 |
| 30 Year Conventional Purchase | 6.20% | 4/21/24 |
| 30 Year Conventional Refi | 6.47% | 4/21/24 |
| 30 Year Cash-out Refi | 6.47% | 4/21/24 |
| 15 Year Conventional Purchase | 5.61% | 4/21/24 |
| 15 Year Conventional Refi | 5.79% | 4/21/24 |
| 15 Year Cash-out Refi | 5.79% | 4/21/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Jeanne D'arc Credit Union Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,693Origination Dollar Volume (All Markets)
$497,815,000Awards
Jeanne D'Arc Credit Union - 2021
Jeanne D'Arc Credit Union is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1,423 | $423,255,000 | $297,439 | $2,639 | 3.15% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 174 | $41,730,000 | $239,828 | $2,561 | 3.12% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 41 | $12,885,000 | $314,268 | $2,972 | 3.38% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 10 | $4,960,000 | $496,000 | $3,452 | 2.99% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 11 | $3,825,000 | $347,727 | $3,009 | 3.07% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 6 | $2,970,000 | $495,000 | $3,499 | 3.06% |
| Outside of Metro Areas | 5 | $2,605,000 | $521,000 | $4,789 | 3.00% |
| Concord, NH (FHA|USDA|VA) | 7 | $1,915,000 | $273,571 | $2,040 | 3.25% |
| Laconia, NH (FHA|USDA|VA) | 5 | $1,265,000 | $253,000 | $2,768 | 2.85% |
| Lebanon, NH-VT (FHA|USDA|VA) | 5 | $1,165,000 | $233,000 | $2,324 | 3.21% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 4 | $600,000 | $150,000 | $2,258 | 3.64% |
| PITTSFIELD, MA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $2,932 | 2.25% |
| Berlin, NH (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,003 | 2.88% |
Similar Lenders
We use machine learning to identify the top lenders compared against Jeanne D'Arc Credit Union based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 1,483 | $478,825,000 | $322,876 | $2,651 | 3.13% |
| HELOC | 210 | $18,990,000 | $90,429 | n/a | 3.25% |
For 2021, Jeanne D'arc Credit Union's most frequently originated type of loan was Conventional, with 1,483 originations. Their 2nd most popular type was HELOC, with 210 originations.
Loan Reason
For 2021, Jeanne D'arc Credit Union's most frequently cited loan purpose was Refi, with 602 originations. The 2nd most popular reason was Cash Out Refi, with 527 originations.
Loan Duration/Length
For 2021, Jeanne D'arc Credit Union's most frequently cited loan duration was 30 Year, with 1,000 originations. The 2nd most popular length was 20 Year, with 299 originations.
Origination Fees/Closing Costs
Jeanne D'arc Credit Union's average total fees were $3,111, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,207 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 648 | $193,510,000 | $298,627 |
| 2.5-3% | 638 | $221,660,000 | $347,429 |
| <2.5% | 261 | $67,055,000 | $256,916 |
| 5-6% | 105 | $8,815,000 | $83,952 |
| 4-5% | 41 | $6,775,000 | $165,244 |
During 2021, Jeanne D'arc Credit Union's average interest rate for loans was 2.98%, while their most frequently originated rate bucket for loans was 3-4%, with 648 originations.
Loan Sizing
2021 saw Jeanne D'arc Credit Union place emphasis on $200k-400k loans with 694 originations, totaling $201,340,000 in origination value.
Applicant Income
Jeanne D'arc Credit Union lent most frequently to those with incomes in the $150k-250k range, with 409 originations. The second most popular income band? $100k-150k, with 408 originations.
Applicant Debt to Income Ratio
Jeanne D'arc Credit Union lent most frequently to those with DTI ratios of 20-30%, with 472 originations. The next most common DTI ratio? 30-36%, with 285 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications93.55%
Jeanne D'arc Credit Union has an average approval rate.
Pick Rate
Approvals leading to origination89.55%
Jeanne D'arc Credit Union has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2260.0 | 1 | $165,000 | $165,000 |
| 2479.0 | 1 | $75,000 | $75,000 |
| 2508.0 | 1 | $115,000 | $115,000 |
| 2520.6 | 1 | $115,000 | $115,000 |
| 2617.8 | 1 | $105,000 | $105,000 |
| 2627.6 | 1 | $125,000 | $125,000 |
| 2639.0 | 1 | $85,000 | $85,000 |
| 2649.0 | 1 | $95,000 | $95,000 |
| 2662.0 | 1 | $125,000 | $125,000 |
| 2693.0 | 1 | $135,000 | $135,000 |
| 2711.0 | 1 | $145,000 | $145,000 |
| 2745.0 | 1 | $125,000 | $125,000 |
| 2794.0 | 1 | $135,000 | $135,000 |
| 2812.0 | 1 | $165,000 | $165,000 |
| 2817.0 | 1 | $65,000 | $65,000 |
| 2822.0 | 1 | $145,000 | $145,000 |
| 2848.0 | 1 | $195,000 | $195,000 |
| 2901.0 | 1 | $105,000 | $105,000 |
| 2917.0 | 1 | $205,000 | $205,000 |
| 2922.0 | 1 | $85,000 | $85,000 |
| 2927.0 | 1 | $235,000 | $235,000 |
| 2950.0 | 1 | $155,000 | $155,000 |
| 2952.0 | 1 | $115,000 | $115,000 |
| 2965.0 | 1 | $225,000 | $225,000 |
| 2972.0 | 1 | $135,000 | $135,000 |
| 2982.0 | 1 | $205,000 | $205,000 |
| 2992.0 | 1 | $105,000 | $105,000 |
| 3010.0 | 1 | $185,000 | $185,000 |
| 3092.0 | 1 | $65,000 | $65,000 |
| 3199.0 | 1 | $205,000 | $205,000 |
| 3355.8 | 1 | $225,000 | $225,000 |
| NA | 1,662 | $493,450,000 | $296,901 |