What loan types does Polish National Credit Union offer?

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

Where does Polish National Credit Union offer mortgages?

Polish National Credit Union offers mortgages in 3 states: CT, MA, NH.

How competitive are Polish National Credit Union's mortgage rates?

Polish National Credit Union has an overall pricing score of 88.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Polish National Credit Union?

Polish National Credit Union is a Credit Union headquartered in Chicopee, MA.

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Polish National Credit Union

Credit Union•Chicopee, MAHQ•Direct•Reviews near you on Google

Polish National Credit Union has 163 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

Exceptional

5/5

vs. all lenders

Pull-through

Strong

4/5

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

Refinance

Superstar

Summary

What They Do Well

Offers rates 23.50 basis points below market average
Lower than average lender fees
Strong pull through performance

Explore another lender or local market

Report Card

Polish National Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 23.5 bps below market avg

5/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

163 loans · 0.23% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

120 loans · 0.25% below market

Sound

Top 60% of lenders

3/5

Refinance

43 loans · 0.20% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 3 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	Exceptional	Strong	163	100.0%	-0.235%Below	$606Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Strong

Volume163

Mix100.0%

Spread

-0.235%Below

Fees

$606Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Exceptional	Strong	120	73.6%	-0.248%Below	$632Fees
Refinance	Strong	Sound	Exceptional	Exceptional	43	26.4%	-0.197%Below	$527Fees

Purchase

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Strong

Volume120

Mix73.6%

Spread

-0.248%Below

Fees

$632Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Exceptional

Volume43

Mix26.4%

Spread

-0.197%Below

Fees

$527Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

163

Applications

203

Volume

$43 million

Pricing & Closing

Avg Rate Spread

-0.235%

vs. market APOR

Avg Net Fees

$606

Origination − Credits

Pullthrough Rate

80.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$269,356

Avg Borrower Income

$136,160

Avg Property Value

$422,975

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

3Full-year 2024 · HMDA

Loans originated

< 1010+None

Northeast3

CTMANH

Top Metro Areas by Place Specialization Score

Springfield, MAMetro

Volume 108Mix 66.26% of portfolio

87/100

Exceptional

Amherst Town, MAMetro

Volume 34Mix 20.86% of portfolio

76/100

Strong

Hartford, CTMetro

Volume 12Mix 7.36% of portfolio

46/100

Sound

Top States by Place Specialization Score

MassachusettsState

Volume 150Mix 92.02% of portfolio

73/100

Strong

ConnecticutState

Volume 12Mix 7.36% of portfolio

45/100

Sound

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.