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Police & Fire

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

We analyzed every closed loan from Police & Fire — 715 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
Conventional
Place
Strong
4/5
Regional · 4 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees
  • Strong pull through performance

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Report Card

Police & Fire performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
+7.0 bps above market avg
5/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
712 loans · 0.07% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
171 loans · 0.06% above market
Sound
Top 60% of lenders
3/5
Refinance
544 loans · 0.07% above market
Exceptional
Top 20% of lenders
5/5
By Location· Geographic coverage
Geographic Reach
Regional · 4 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Sound
Volume712
Mix99.6%
Spread
+0.073%Above
Fees
$286Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Exceptional
Pull Through
Sound
Volume171
Mix23.9%
Spread
+0.060%Above
Fees
$590Fees
Refinance
Overall
Strong
Product
Exceptional
Pricing
Exceptional
Pull Through
Strong
Volume544
Mix76.1%
Spread
+0.073%Above
Fees
$182Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
715
Applications
1,345
Volume
$139 million
Pricing & Closing
Avg Rate Spread
+0.070%
vs. market APOR
Avg Net Fees
$285
Origination − Credits
Pullthrough Rate
53.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$194,804
Avg Borrower Income
$125,483
Avg Property Value
$406,287

Geographic Coverage

Geographic Performance

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

States with Loan Originations

4Full-year 2024 · HMDA
4 states with loan originations
Loans originated
< 1010–200200+None
Northeast2
NJPA
South2
DEFL

Top Metro Areas by Place Specialization Score

1© 颐园居 · CC BY-SA 4.0
Philadelphia, PAMetro
Volume 305Mix 42.66% of portfolio
90/100
Exceptional
2© Dough4872 · Public domain
Montgomery County, PAMetro
Volume 180Mix 25.17% of portfolio
83/100
Exceptional
3© Gary Miotla · CC BY 3.0
Camden, NJMetro
Volume 123Mix 17.20% of portfolio
76/100
Strong
4© Smith, H. B. · Public domain
Atlantic City, NJMetro
Volume 48Mix 6.71% of portfolio
68/100
Strong

Top States by Place Specialization Score

Pennsylvania
Pennsylvania
1
PennsylvaniaState
Volume 511Mix 71.47% of portfolio
83/100
Exceptional
New Jersey
New Jersey
2
New JerseyState
Volume 181Mix 25.31% of portfolio
73/100
Strong
Delaware
Delaware
3
DelawareState
Volume 11Mix 1.54% of portfolio
42/100
Sound
Florida
Florida
4
FloridaState
Volume 12Mix 1.68% of portfolio
35/100
Acceptable

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
Champion(80%+ = 40-50 points)
Superstar
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.