What loan types does Philadelphia Federal Credit Union offer?

Philadelphia Federal Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Philadelphia Federal Credit Union offer mortgages?

Philadelphia Federal Credit Union offers mortgages in 4 states: DE, FL, NJ, PA.

How competitive are Philadelphia Federal Credit Union's mortgage rates?

Philadelphia Federal Credit Union has an overall pricing score of 74/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Philadelphia Federal Credit Union?

Philadelphia Federal Credit Union is a Credit Union headquartered in Philadelphia, PA.

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Philadelphia Federal Credit Union

Credit Union•Philadelphia, PAHQ•Direct•Reviews near you on Google

Philadelphia Federal Credit Union has 189 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

Strong

4/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Regional · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Explore another lender or local market

Report Card

Philadelphia Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+15.9 bps above market avg

4/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

187 loans · 0.15% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

138 loans · 0.13% above market

Sound

Top 60% of lenders

3/5

Refinance

51 loans · 0.31% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 4 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	Strong	Sound	187	98.9%	+0.149%Above	$670Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume187

Mix98.9%

Spread

+0.149%Above

Fees

$670Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Strong	Sound	138	73.0%	+0.134%Above	$693Fees
Refinance	Sound	Sound	Strong	Sound	51	27.0%	+0.308%Above	$890Fees

Purchase

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume138

Mix73.0%

Spread

+0.134%Above

Fees

$693Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume51

Mix27.0%

Spread

+0.308%Above

Fees

$890Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

189

Applications

293

Volume

$57 million

Pricing & Closing

Avg Rate Spread

+0.159%

vs. market APOR

Avg Net Fees

$722

Origination − Credits

Pullthrough Rate

64.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$304,788

Avg Borrower Income

$179,138

Avg Property Value

$443,677

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

4Full-year 2024 · HMDA

Loans originated

< 100100+None

Northeast2

NJPA

South2

DEFL

Top Metro Areas by Place Specialization Score

Atlantic City, NJMetro

Volume 74Mix 39.15% of portfolio

80/100

Strong

Philadelphia, PAMetro

Volume 68Mix 35.98% of portfolio

72/100

Strong

Montgomery County, PAMetro

Volume 19Mix 10.05% of portfolio

53/100

Sound

Top States by Place Specialization Score

PennsylvaniaState

Volume 101Mix 53.44% of portfolio

68/100

Strong

New JerseyState

Volume 81Mix 42.86% of portfolio

68/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.