What loan types does Polish & Slavic offer?

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

Where does Polish & Slavic offer mortgages?

Polish & Slavic offers mortgages in 7 states: CT, FL, IL, IN, NJ, NY, PA.

How competitive are Polish & Slavic's mortgage rates?

Polish & Slavic has an overall pricing score of 62/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Polish & Slavic?

Polish & Slavic is a Credit Union headquartered in New York, NY.

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Polish & Slavic

Credit Union•New York, NYHQ•Direct•Reviews near you on Google

Polish & Slavic has 143 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

Multi-Region · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Offers rates 44.90 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 & Slavic performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

Rates 44.9 bps below market avg

4/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

140 loans · 0.44% below market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

131 loans · 0.44% below market

Acceptable

Bottom 40% of lenders

2/5

Refinance

12 loans · 0.55% below market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 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	Acceptable	Acceptable	Strong	Acceptable	140	97.9%	-0.442%Below	$980Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Strong

Pull Through

Acceptable

Volume140

Mix97.9%

Spread

-0.442%Below

Fees

$980Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Sound	Acceptable	131	91.6%	-0.439%Below	$1,067Fees
Refinance	Acceptable	Acceptable	—	Mediocre	12	8.4%	-0.548%Below	$578Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Sound

Pull Through

Acceptable

Volume131

Mix91.6%

Spread

-0.439%Below

Fees

$1,067Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Mediocre

Volume12

Mix8.4%

Spread

-0.548%Below

Fees

$578Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

143

Applications

234

Volume

$46 million

Pricing & Closing

Avg Rate Spread

-0.449%

vs. market APOR

Avg Net Fees

$1,023

Origination − Credits

Pullthrough Rate

61.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$325,839

Avg Borrower Income

$125,930

Avg Property Value

$496,538

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

7Full-year 2024 · HMDA

Loans originated

< 1010–2020+None

Northeast4

CTNJNYPA

Midwest2

ILIN

South1

Top Metro Areas by Place Specialization Score

Chicago, ILMetro

Volume 67Mix 46.85% of portfolio

65/100

Strong

New York, NY-NJMetro

Volume 17Mix 11.89% of portfolio

50/100

Sound

Top States by Place Specialization Score

IllinoisState

Volume 73Mix 51.05% of portfolio

64/100

Strong

New JerseyState

Volume 19Mix 13.29% of portfolio

50/100

Sound

New YorkState

Volume 19Mix 13.29% of portfolio

49/100

Sound

FloridaState

Volume 14Mix 9.79% of portfolio

41/100

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.