What loan types does Polish-American Federal Credit Union offer?

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

Where does Polish-American Federal Credit Union offer mortgages?

Polish-American Federal Credit Union offers mortgages in 1 states: MI.

How competitive are Polish-American Federal Credit Union's mortgage rates?

Polish-American Federal Credit Union has an overall pricing score of 76.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Polish-American Federal Credit Union?

Polish-American Federal Credit Union is a Credit Union headquartered in Troy, MI.

Unclaimed

Polish-American Federal Credit Union

Credit Union•Troy, MIHQ•Direct•Reviews near you on Google

Polish-American Federal Credit Union has 95 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

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Sound

3/5

Single State · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Refinance

Superstar

Summary

What They Do Well

Offers rates 111.40 basis points below market average
Lower than average lender fees

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Polish-American Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

Rates 111.4 bps below market avg

4/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

95 loans · 1.11% below market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

60 loans · 1.22% below market

Acceptable

Bottom 40% of lenders

2/5

Refinance

35 loans · 0.91% below market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Single State · 2 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	Sound	Acceptable	Strong	Strong	95	100.0%	-1.114%Below	$1,073Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Strong

Volume95

Mix100.0%

Spread

-1.114%Below

Fees

$1,073Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Strong	Sound	60	63.2%	-1.222%Below	$1,168Fees
Refinance	Strong	Acceptable	Exceptional	Strong	35	36.8%	-0.914%Below	$896Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Sound

Volume60

Mix63.2%

Spread

-1.222%Below

Fees

$1,168Fees

Refinance

Overall

Strong

Product

Acceptable

Pricing

Exceptional

Pull Through

Strong

Volume35

Mix36.8%

Spread

-0.914%Below

Fees

$896Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$16 million

Pricing & Closing

Avg Rate Spread

-1.114%

vs. market APOR

Avg Net Fees

$1,073

Origination − Credits

Pullthrough Rate

99.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$174,474

Avg Borrower Income

$105,947

Avg Property Value

$310,895

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

All statesNone

Midwest1

Top Metro Areas by Place Specialization Score

Warren, MIMetro

Volume 74Mix 77.89% of portfolio

70/100

Strong

Detroit, MIMetro

Volume 11Mix 11.58% of portfolio

48/100

Sound

Top States by Place Specialization Score

MichiganState

Volume 85Mix 89.47% of portfolio

67/100

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.

Looking for a different lender?

Are you the owner of Polish-American Federal Credit Union?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile

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.