Get & compare mortgage quotes anonymously Start in My Home
PNCU
Unclaimed

Polish National Credit Union

Credit Union•Chicopee, MAHQ•Direct•Reviews near you on Google

Polish National Credit Union has 163 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Sound
3/5
Conventional
Place
Strong
4/5
Regional · 3 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 23.50 basis points below market average
  • Lower than average lender fees
  • Strong pull through performance

Explore another lender or local market

Report Card

Polish National Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 23.5 bps below market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 3 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Strong
Volume163
Mix100.0%
Spread
-0.235%Below
Fees
$606Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Strong
Volume120
Mix73.6%
Spread
-0.248%Below
Fees
$632Fees
Refinance
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Exceptional
Volume43
Mix26.4%
Spread
-0.197%Below
Fees
$527Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
163
Applications
203
Volume
$43 million
Pricing & Closing
Avg Rate Spread
-0.235%
vs. market APOR
Avg Net Fees
$606
Origination − Credits
Pullthrough Rate
80.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$269,356
Avg Borrower Income
$136,160
Avg Property Value
$422,975

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
3
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

3
3 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast3
CTMANH

Top Metro Areas by Place Specialization Score

1© Matt Turner · CC BY 2.0
Springfield, MAMetro
Volume 108Mix 66.26% of portfolio
87/100
Exceptional
2© JonesLibraryMA · CC BY 2.0
Amherst Town, MAMetro
Volume 34Mix 20.86% of portfolio
76/100
Strong
3© Quintin Soloviev · CC BY 4.0
Hartford, CTMetro
Volume 12Mix 7.36% of portfolio
46/100
Sound

Top States by Place Specialization Score

Massachusetts
Massachusetts
1
MassachusettsState
Volume 150Mix 92.02% of portfolio
73/100
Strong
Connecticut
Connecticut
2
ConnecticutState
Volume 12Mix 7.36% of portfolio
45/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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.

Looking for a different lender?

Are you the owner of Polish National Credit Union?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile
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.