Polish National Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B 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%
48th10.1% deniedPricingmedian rate spread over APOR, weight 30%
67th0.15 ptsProcesswithdrawn + incomplete share, weight 15%
42nd13.4%Closing coststotal loan costs ÷ loan amount, weight 10%
53rd1.84% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 378 | 253 | 19.6% | 22.2% | 6.50% | $28M |
| 2024 | 490 | 366 | 13.3% | 14.8% | 6.50% | $58M |
| 2025 | 471 | 355 | 8.7% | 10.1% | 6.38% | $73M |
What Polish National Credit Union 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, 26 investment properties.
Why Polish National Credit Union denies applications
Primary reason reported for each of the 41 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Polish National Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 31 | 20 | 25.9% |
| $50k – $100k | 165 | 123 | 12.9% |
| $100k – $150k | 116 | 88 | 9.1% |
| $150k – $250k | 111 | 81 | 5.7% |
| Over $250k | 31 | 28 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 92 | 66 | 4.2% |
| 35–44 | 82 | 67 | 10.7% |
| 45–54 | 93 | 70 | 7.8% |
| 55–64 | 100 | 81 | 10.8% |
| 65–74 | 59 | 40 | 12.0% |
Where Polish National Credit Union lends
3 states and 14 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Massachusetts | 441 | 336 | 8.2% | 6.38% | #92 |
| Connecticut | 29 | 18 | 17.2% | 5.94% | #260 |
Frequently asked questions
Polish National Credit Union denied 10.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 48th percentile of small mortgage lenders.
The most common reason Polish National Credit Union gave in 2025 was "debt-to-income ratio", cited on 43.9% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Polish National Credit Union originated in 2025 was 6.38%, and its median rate spread over the average prime offer rate was 0.15 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 45% of its applications were for home purchases, 24% for refinancing (including cash-out), and 31% 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.