Polish-American Federal Credit Union in Michigan vs the state
3.2%Denial rate-15.33 pts vs state
3.2%Decision denial rate-19.35 pts vs state
94.7%Origination rate+34.79 pts vs state
6.25%Median rate-0.50 pts vs state
-0.57Rate spread (pts)-0.97 pts vs state
$76kMedian applicant income
89Loans originated
3Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 150 | 144 | 0.0% | 5.50% | #219 |
| 2024 | 109 | 108 | 0.9% | 6.38% | #259 |
| 2025 | 94 | 89 | 3.2% | 6.25% | #282 |
What Polish-American Federal Credit Union lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Polish-American Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Macomb County | 54 | 51 | 2 | 3.7% |
| Oakland County | 19 | 19 | 0 | 0.0% |
| Wayne County | 11 | 11 | 0 | 0.0% |
| Genesee County | 1 | 1 | 0 | 0.0% |
| Washtenaw County | 1 | 1 | 0 | 0.0% |
| Muskegon County | 1 | 1 | 0 | 0.0% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 94 applications in 2025, of which 89 were originated and 3 denied.
3.2% of all applications, or 3.2% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Polish-American Federal Credit Union originated in Michigan in 2025 was 6.25%, against a statewide median of 6.75%.
About this data. Figures are Polish-American Federal Credit Union's own HMDA filing for properties located in Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology