POLICE & FIRE
POLICE & FIRE received 12,906 applications in 2025 and made 6,267 mortgages, in 100 counties across 5 states. The median rate its borrowers got was 6.240% on a median loan of $85,000. Of 10,675 decisions, 4,305 were denials — 40.3%, most often for debt-to-income ratio.
| Legal Entity Identifier | 54930063XGNMIXS57091 |
|---|---|
| Applications received | 12,906 |
| Mortgages made | 6,267 |
| Denied | 4,305 |
| Approved, not taken up | 103 |
| Withdrawn or incomplete | 2,231 |
| Loans bought from other lenders | 37 |
| Median rate spread over the prime offer rate | -0.0805 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 188 | 6.500% | $305,000 | 7.7% |
| Refinancing | 241 | 5.240% | $315,000 | 15.5% |
| Cash-out refinancing | 3,787 | 6.250% | $85,000 | 42.1% |
| Other purposes | 2,051 | 6.490% | $75,000 | 40.9% |
Where POLICE & FIRE lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Philadelphia County, PA | 1,439 | 6.490% | 54.2% |
| Bucks County, PA | 1,014 | 6.240% | 29.0% |
| Montgomery County, PA | 841 | 6.240% | 30.0% |
| Camden County, NJ | 641 | 6.490% | 38.7% |
| Burlington County, NJ | 564 | 6.240% | 31.6% |
| Gloucester County, NJ | 459 | 6.375% | 36.1% |
| Delaware County, PA | 324 | 6.240% | 43.3% |
| Chester County, PA | 187 | 6.240% | 25.7% |
| Atlantic County, NJ | 130 | 6.240% | 35.4% |
| Cape May County, NJ | 116 | 6.240% | 33.7% |
| New Castle County, DE | 79 | 6.490% | 47.4% |
| Ocean County, NJ | 48 | 6.240% | 41.0% |
| Berks County, PA | 40 | 6.740% | 40.6% |
| Mercer County, NJ | 37 | 6.240% | 34.5% |
| Salem County, NJ | 27 | 6.740% | 38.6% |
| Cumberland County, NJ | 26 | 6.240% | 43.8% |
| Monmouth County, NJ | 23 | 6.240% | 36.1% |
| Lehigh County, PA | 23 | 6.000% | 30.3% |
| Lancaster County, PA | 18 | 5.990% | 21.7% |
| Monroe County, PA | 16 | 6.240% | 23.8% |
| Sussex County, DE | 14 | 5.870% | 39.1% |
| Northampton County, PA | 14 | 6.745% | 12.5% |
| Middlesex County, NJ | 11 | 6.490% | 45.0% |
| Union County, NJ | 11 | 6.240% | 31.3% |
| Kent County, DE | 9 | Under 10 loans | 71.9% |
| Hunterdon County, NJ | 9 | Under 10 loans | 35.7% |
| Morris County, NJ | 9 | Under 10 loans | 23.1% |
| Somerset County, NJ | 9 | Under 10 loans | 43.8% |
| Carbon County, PA | 9 | Under 10 loans | 35.7% |
| Dauphin County, PA | 8 | Under 10 loans | 18.2% |
| Luzerne County, PA | 8 | Under 10 loans | 11.1% |
| Lee County, FL | 6 | Under 10 loans | 57.1% |
| Manatee County, FL | 5 | Under 10 loans | 16.7% |
| Palm Beach County, FL | 5 | Under 10 loans | 44.4% |
| Essex County, NJ | 5 | Under 10 loans | 58.3% |
| Lackawanna County, PA | 5 | Under 10 loans | 28.6% |
| Bergen County, NJ | 4 | Under 10 loans | 55.6% |
| Warren County, NJ | 4 | Under 10 loans | 20.0% |
| Lebanon County, PA | 4 | Under 10 loans | 0.0% |
| Brevard County, FL | 3 | Under 10 loans | 25.0% |
| Indian River County, FL | 3 | Under 10 loans | 25.0% |
| Pinellas County, FL | 3 | Under 10 loans | 0.0% |
| Seminole County, FL | 3 | Under 10 loans | 25.0% |
| Cumberland County, PA | 3 | Under 10 loans | 57.1% |
| Pike County, PA | 3 | Under 10 loans | 0.0% |
| Schuylkill County, PA | 3 | Under 10 loans | 25.0% |
| Citrus County, FL | 2 | Under 10 loans | 0.0% |
| Clay County, FL | 2 | Under 10 loans | 33.3% |
| Flagler County, FL | 2 | Under 10 loans | 33.3% |
| Hillsborough County, FL | 2 | Under 10 loans | 50.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.