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Polish & Slavic

Credit Union•New York, NYHQ•Direct•Reviews near you on Google

Polish & Slavic has 143 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
Strong
4/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Acceptable
2/5
Conventional
Place
Sound
3/5
Multi-Region · 2 mkts

Safe Rate Summary

What They Do Well

  • Offers rates 44.90 basis points below market average
  • Lower than average lender fees

Things to Think About

  • Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Polish & Slavic performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 44.9 bps below market avg
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Bottom 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Acceptable
Bottom 40% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 2 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Acceptable
Pricing
Strong
Pull Through
Acceptable
Volume140
Mix97.9%
Spread
-0.442%Below
Fees
$980Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Acceptable
Pricing
Sound
Pull Through
Acceptable
Volume131
Mix91.6%
Spread
-0.439%Below
Fees
$1,067Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing—
Pull Through
Mediocre
Volume12
Mix8.4%
Spread
-0.548%Below
Fees
$578Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
143
Applications
234
Volume
$46 million
Pricing & Closing
Avg Rate Spread
-0.449%
vs. market APOR
Avg Net Fees
$1,023
Origination − Credits
Pullthrough Rate
61.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$325,839
Avg Borrower Income
$125,930
Avg Property Value
$496,538

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

7
7 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast4
CTNJNYPA
Midwest2
ILIN
South1
FL

Top Metro Areas by Place Specialization Score

1© John Picken · CC BY 2.0
Chicago, ILMetro
Volume 67Mix 46.85% of portfolio
65/100
Strong
2© Dllu · CC BY-SA 4.0
New York, NY-NJMetro
Volume 17Mix 11.89% of portfolio
50/100
Sound

Top States by Place Specialization Score

Illinois
Illinois
1
IllinoisState
Volume 73Mix 51.05% of portfolio
64/100
Strong
New Jersey
New Jersey
2
New JerseyState
Volume 19Mix 13.29% of portfolio
50/100
Sound
New York
New York
3
New YorkState
Volume 19Mix 13.29% of portfolio
49/100
Sound
Florida
Florida
4
FloridaState
Volume 14Mix 9.79% of portfolio
41/100
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.

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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.