Polish & Slavic at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the F grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
17th21.4% deniedProcesswithdrawn + incomplete share, weight 15%
9th26.3%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 709 | 421 | 18.5% | 23.4% | 6.75% | $102M |
| 2024 | 837 | 476 | 16.1% | 21.4% | 6.50% | $140M |
| 2025 | 1,008 | 571 | 15.8% | 21.4% | — | $172M |
What Polish & Slavic lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 203 investment properties.
Who gets approved at Polish & Slavic
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 89 | 36 | 49.3% |
| $50k – $100k | 310 | 183 | 23.3% |
| $100k – $150k | 231 | 145 | 17.0% |
| $150k – $250k | 197 | 126 | 13.3% |
| Over $250k | 87 | 32 | 15.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 135 | 81 | 13.7% |
| 35–44 | 231 | 135 | 18.5% |
| 45–54 | 328 | 193 | 23.9% |
| 55–64 | 143 | 82 | 25.7% |
| 65–74 | 69 | 34 | 20.5% |
Where Polish & Slavic lends
8 states and 82 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Illinois | 438 | 252 | 18.5% | — | #145 |
| New Jersey | 259 | 146 | 12.7% | — | #172 |
| New York | 169 | 86 | 15.4% | — | #223 |
| Pennsylvania | 66 | 37 | 13.6% | — | #444 |
| Florida | 36 | 22 | 13.9% | — | #650 |
| Connecticut | 34 | 25 | 8.8% | — | #246 |
Frequently asked questions
Polish & Slavic denied 21.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 17th percentile of small mortgage lenders.
In 2025, 49% of its applications were for home purchases, 18% for refinancing (including cash-out), and 34% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.