We analyzed every closed loan from Police Fire — 715 loans across 1k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Shopping for a Mortgage?
Save Police Fire or ask our AI assistant to explore your options.
Safe Rate's Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
Explore another lender or local market
Report Card
Police & Fire performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Market Leader +7.0 bps above market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Industry Standard Top 60% of lenders | |
Refinance | Market Leader Top 20% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Highly Competitive Top 40% of lenders Regional4 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 712 | 99.6% | +0.073%Above | $286Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 171 | 23.9% | +0.060%Above | $590Fees | ||||
Refinance | 544 | 76.1% | +0.073%Above | $182Fees |
At a Glance
Lender Overview
Geographic Coverage
Geographic Performance
States with Loan Originations
Top Metro Areas by Place Specialization Score
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 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.
Looking for a different lender?
Are you the owner of Police & Fire?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.