# POLICE & FIRE

> **Canonical URL:** https://saferate.com/lenders/police-fire


> **📋 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


POLICE & FIRE is a credit union, headquartered in Philadelphia, PA, serving borrowers across 4 states, with 715 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 9% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 38% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 54930063XGNMIXS57091
- **Headquarters:** Philadelphia, PA
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** DE, FL, NJ, PA
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 91/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 62/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.070%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $285
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 715
- **Dollar Volume:** $139 million
- **Applications Received:** 1,345
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $194,804
- **Average Borrower Income:** $125,483
- **Average Property Value:** $406,287

## Safe Rate Awards 🏆

- 💎 **Refinance Diamond Champion** (84%)
- ⭐ **Conventional Gold Superstar** (71%)
- ⭐ **Purchase Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 66/100 | 712 | +0.073% | $286 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 170 loans, Score: 46/100 (Sound)
- Refinance: 542 loans, Score: 82/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 45/100 | 171 | $53M | +0.060% | Sound ☺️ |
| Refinance | 81/100 | 544 | $86M | +0.073% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 511 | 0.42% | 83/100 |
| NJ | 181 | 0.21% | 73/100 |
| FL | 12 | 0.00% | 35/100 |
| DE | 11 | 0.08% | 42/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Philadelphia, PA | PA | 305 | 90/100 |
| Montgomery County | PA | 180 | 83/100 |
| Camden, NJ | NJ | 123 | 76/100 |
| Atlantic City | NJ | 48 | 68/100 |

## Where This Lender Ranks

POLICE & FIRE appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Philadelphia, PA
  - [View Full Rankings](https://saferate.com/philadelphia-pa/best-mortgage-lenders)
- 🥇 **#1** in Philadelphia, PA Credit Unions
  - [View Full Rankings](https://saferate.com/philadelphia-pa/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Philadelphia, PA for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/philadelphia-pa/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Montgomery County
  - [View Full Rankings](https://saferate.com/montgomery-county/best-mortgage-lenders)
- 🥇 **#1** in Montgomery County Credit Unions
  - [View Full Rankings](https://saferate.com/montgomery-county/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Atlantic City Credit Unions
  - [View Full Rankings](https://saferate.com/atlantic-city/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Atlantic City for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/atlantic-city/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Pennsylvania Credit Unions
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Montgomery County for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/montgomery-county/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Camden, NJ for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/camden-nj/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Camden, NJ
  - [View Full Rankings](https://saferate.com/camden-nj/best-mortgage-lenders)
- 🏆 **#4** in Pennsylvania
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders)
- 🏆 **#4** in Pennsylvania for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Atlantic City
  - [View Full Rankings](https://saferate.com/atlantic-city/best-mortgage-lenders)
- 🏆 **#7** in Philadelphia, PA for Conventional Loans
  - [View Full Rankings](https://saferate.com/philadelphia-pa/best-mortgage-lenders/conventional-loans)
- 🏆 **#10** in New Jersey
  - [View Full Rankings](https://saferate.com/new-jersey/best-mortgage-lenders)
- 🏆 **#10** in Atlantic City for Conventional Loans
  - [View Full Rankings](https://saferate.com/atlantic-city/best-mortgage-lenders/conventional-loans)
- 🏆 **#14** in Montgomery County for Conventional Loans
  - [View Full Rankings](https://saferate.com/montgomery-county/best-mortgage-lenders/conventional-loans)
- 🏆 **#14** in Camden, NJ for Conventional Loans
  - [View Full Rankings](https://saferate.com/camden-nj/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does POLICE & FIRE offer?

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

### Where does POLICE & FIRE offer mortgages?

POLICE & FIRE offers mortgages in 4 states: DE, FL, NJ, PA.

### How competitive are POLICE & FIRE's mortgage rates?

POLICE & FIRE has a pricing score of 91/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.070% above market average.

### What type of lender is POLICE & FIRE?

POLICE & FIRE is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Philadelphia, PA.

### What is POLICE & FIRE's loan approval success rate?

POLICE & FIRE has a pull-through score of 62/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## 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/police-fire

### How to Cite

> "POLICE & FIRE Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/police-fire

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