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POLISH NATIONAL CREDIT UNION
Credit Union|Chicopee, MA|Regional
Loans Originated
163
Applications
203
Volume
$43 million
Offers loans directly to consumers
Overall Pricing
Exceptional
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.235%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$606
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
80.3%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 23.50 basis points below market average
- Lower than average lender fees
- Strong pull through performance
Report Card
POLISH NATIONAL CREDIT UNION 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 | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Strong | Regional · 3 metro areas · 3 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$269,356
Average Borrower Income
$136,160
Average Property Value
$422,975
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Sound | Exceptional | Strong | 163 | 100.0% | -0.235% | $606 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Sound | Exceptional | Strong | 120 | 73.6% | -0.248% | $632 |
Refinance | Strong | Sound | Exceptional | Exceptional | 43 | 26.4% | -0.197% | $527 |
Geographic Coverage
Metro Areas
3
States Served
3
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
CTMANH
Top Metro Areas by Place Specialization Score
1
Springfield, MA, MAMSA
Volume: 108Mix: 66.26%
Place Specialization
Exceptional
2
Amherst Town, MAMSA
Volume: 34Mix: 20.86%
Place Specialization
Strong
3
Hartford, CTMSA
Volume: 12Mix: 7.36%
Place Specialization
Sound
Top States by Place Specialization Score
1
MAState
Volume: 150Mix: 92.02%
Place Specialization
Strong
2
CTState
Volume: 12Mix: 7.36%
Place Specialization
Sound
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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