What loan types does Police & Fire offer?

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

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 an overall pricing score of 91.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Police & Fire?

Police & Fire is a Credit Union headquartered in Philadelphia, PA.

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Police & Fire

Credit Union•Philadelphia, PAHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Police & Fire — 715 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

Conventional

Place

Strong

4/5

Regional · 4 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Refinance

Superstar

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

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

+7.0 bps above market avg

5/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

712 loans · 0.07% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

171 loans · 0.06% above market

Sound

Top 60% of lenders

3/5

Refinance

544 loans · 0.07% above market

Exceptional

Top 20% of lenders

5/5

By Location· Geographic coverage

Geographic Reach

Regional · 4 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Strong	Exceptional	Sound	712	99.6%	+0.073%Above	$286Fees

Conventional

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Sound

Volume712

Mix99.6%

Spread

+0.073%Above

Fees

$286Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Exceptional	Sound	171	23.9%	+0.060%Above	$590Fees
Refinance	Strong	Exceptional	Exceptional	Strong	544	76.1%	+0.073%Above	$182Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume171

Mix23.9%

Spread

+0.060%Above

Fees

$590Fees

Refinance

Overall

Strong

Product

Exceptional

Pricing

Exceptional

Pull Through

Strong

Volume544

Mix76.1%

Spread

+0.073%Above

Fees

$182Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

715

Applications

1,345

Volume

$139 million

Pricing & Closing

Avg Rate Spread

+0.070%

vs. market APOR

Avg Net Fees

$285

Origination − Credits

Pullthrough Rate

53.2%

Applications → Closed

Typical Borrower

Avg Loan Amount

$194,804

Avg Borrower Income

$125,483

Avg Property Value

$406,287

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

4Full-year 2024 · HMDA

Loans originated

< 1010–200200+None

Northeast2

NJPA

South2

DEFL

Top Metro Areas by Place Specialization Score

Philadelphia, PAMetro

Volume 305Mix 42.66% of portfolio

90/100

Exceptional

Montgomery County, PAMetro

Volume 180Mix 25.17% of portfolio

83/100

Exceptional

Camden, NJMetro

Volume 123Mix 17.20% of portfolio

76/100

Strong

Atlantic City, NJMetro

Volume 48Mix 6.71% of portfolio

68/100

Strong

Top States by Place Specialization Score

PennsylvaniaState

Volume 511Mix 71.47% of portfolio

83/100

Exceptional

New JerseyState

Volume 181Mix 25.31% of portfolio

73/100

Strong

DelawareState

Volume 11Mix 1.54% of portfolio

42/100

Sound

FloridaState

Volume 12Mix 1.68% of portfolio

35/100

Acceptable

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.

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 Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

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.