# PATRIOT

> **Canonical URL:** https://saferate.com/lenders/patriot


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


PATRIOT is a credit union, headquartered in Chambersburg, PA, serving borrowers across 3 states, with 94 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 24% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 60% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300IWSSP83SNIPE63
- **Headquarters:** Chambersburg, PA
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** MD, PA, WV
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 97.7%
- **Brokered/Wholesale:** 2.3%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 76/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 40/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.061%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $867
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 94
- **Dollar Volume:** $18 million
- **Applications Received:** 129
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $186,809
- **Average Borrower Income:** $97,415
- **Average Property Value:** $273,191

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (64%)
- ⭐ **Purchase Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 52/100 | 86 | +0.065% | $868 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 56 loans, Score: 48/100 (Sound)
- Refinance: 30 loans, Score: 57/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 48/100 | 64 | $14M | -0.074% | Sound ☺️ |
| Refinance | 55/100 | 30 | $3M | +0.355% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 86 | 0.07% | 68/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Chambersburg, PA | PA | 68 | 98/100 |

## Where This Lender Ranks

PATRIOT appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Chambersburg, PA for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/chambersburg-pa/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Chambersburg, PA
  - [View Full Rankings](https://saferate.com/chambersburg-pa/best-mortgage-lenders)
- 🥉 **#3** in Chambersburg, PA for Conventional Loans
  - [View Full Rankings](https://saferate.com/chambersburg-pa/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does PATRIOT offer?

PATRIOT offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does PATRIOT offer mortgages?

PATRIOT offers mortgages in 3 states: MD, PA, WV.

### How competitive are PATRIOT's mortgage rates?

PATRIOT has a pricing score of 76/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.061% above market average.

### What type of lender is PATRIOT?

PATRIOT is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Chambersburg, PA.

### What is PATRIOT's loan approval success rate?

PATRIOT has a pull-through score of 40/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/patriot

### How to Cite

> "PATRIOT Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/patriot

---

**[View Interactive Profile →](https://saferate.com/lenders/patriot)**