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POLICE & FIRE
Credit Union|Philadelphia, PA|Regional
Loans Originated
715
Applications
1,345
Volume
$139 million
Offers loans directly to consumers
Overall Pricing
Exceptional
Overall Pull Through
Strong
Safe Rate Awards💎Refinance Champion⭐Conventional Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.070%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$285
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
53.2%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
Report Card
POLICE & FIRE performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Exceptional | Market Leader | |
Places Geographic coverage | Strong | Regional · 4 metro areas · 4 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$194,804
Average Borrower Income
$125,483
Average Property Value
$406,287
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% | $286 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Sound | Exceptional | Sound | 171 | 23.9% | +0.060% | $590 |
Refinance | Exceptional | Exceptional | Exceptional | Strong | 544 | 76.1% | +0.073% | $182 |
Geographic Coverage
Metro Areas
4
States Served
4
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
DEFLNJPA
Top Metro Areas by Place Specialization Score
1
Philadelphia, PA, PAMSA
Volume: 305Mix: 42.66%
Place Specialization
Exceptional
2
Montgomery County, PAMSA
Volume: 180Mix: 25.17%
Place Specialization
Exceptional
3
Camden, NJ, NJMSA
Volume: 123Mix: 17.20%
Place Specialization
Strong
4
Atlantic City, NJMSA
Volume: 48Mix: 6.71%
Place Specialization
Strong
Top States by Place Specialization Score
1
PAState
Volume: 511Mix: 71.47%
Place Specialization
Exceptional
2
NJState
Volume: 181Mix: 25.31%
Place Specialization
Strong
3
DEState
Volume: 11Mix: 1.54%
Place Specialization
Sound
4
FLState
Volume: 12Mix: 1.68%
Place Specialization
Acceptable
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 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.
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