# POLISH & SLAVIC

> **Canonical URL:** https://saferate.com/lenders/polish-slavic


> **📋 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


POLISH & SLAVIC is a credit union, headquartered in New York, NY, serving borrowers across 7 states, with 143 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 38% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 72% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300RUKY2I2HQ2AI44
- **Headquarters:** New York, NY
- **Geographic Reach:** Multi-Region
- **States Served:** 7
- **State List:** CT, FL, IL, IN, NJ, NY, PA
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

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

### Pull Through: Acceptable 🙂
- Score: 28/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.449%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,023
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 143
- **Dollar Volume:** $47 million
- **Applications Received:** 234
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $325,839
- **Average Borrower Income:** $125,930
- **Average Property Value:** $496,538

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 34/100 | 140 | -0.442% | $980 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 128 loans, Score: 36/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 36/100 | 131 | $43M | -0.439% | Acceptable 🙂 |
| Refinance | 22/100 | 12 | $3M | -0.548% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IL | 73 | 0.06% | 64/100 |
| NJ | 19 | 0.02% | 50/100 |
| NY | 19 | 0.02% | 49/100 |
| FL | 14 | 0.00% | 41/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Chicago | IL | 67 | 65/100 |
| New York | NY-NJ | 17 | 50/100 |

## Frequently Asked Questions

### What loan types does POLISH & SLAVIC offer?

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

### 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 a pricing score of 62/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.449% below market average.

### What type of lender is POLISH & SLAVIC?

POLISH & SLAVIC is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in New York, NY.

### What is POLISH & SLAVIC's loan approval success rate?

POLISH & SLAVIC has a pull-through score of 28/100 (Acceptable). 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/polish-slavic

### How to Cite

> "POLISH & SLAVIC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/polish-slavic

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