Polish National Credit Union in Massachusetts vs the state
8.2%Denial rate-8.05 pts vs state
9.4%Decision denial rate-10.57 pts vs state
76.2%Origination rate+13.59 pts vs state
6.38%Median rate-0.25 pts vs state
0.23Rate spread (pts)+0.14 pts vs state
$109kMedian applicant income
336Loans originated
36Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 364 | 243 | 19.8% | 6.63% | #103 |
| 2024 | 463 | 346 | 13.2% | 6.50% | #82 |
| 2025 | 441 | 336 | 8.2% | 6.38% | #92 |
What Polish National Credit Union lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Polish National Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hampden County | 330 | 257 | 27 | 8.2% |
| Hampshire County | 93 | 66 | 9 | 9.7% |
| Berkshire County | 6 | 5 | 0 | 0.0% |
| Franklin County | 4 | 3 | 0 | 0.0% |
| Barnstable County | 4 | 3 | 0 | 0.0% |
| Essex County | 1 | 0 | 0 | 0.0% |
| Suffolk County | 1 | 1 | 0 | 0.0% |
| Worcester County | 1 | 1 | 0 | 0.0% |
| Middlesex County | 1 | 0 | 0 | 0.0% |
Other large lenders in Massachusetts
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 17,476 | 29.0% | 7.40% |
| Rocket Mortgage | C | 8,698 | 15.9% | 6.75% |
| Bank of America | F | 7,784 | 30.1% | 5.99% |
| Guaranteed Rate | B | 7,313 | 4.5% | 6.50% |
| Eastern Bank | B | 6,216 | 31.8% | 6.99% |
| Rockland Trust | C | 5,990 | 28.6% | 6.99% |
| Leader Bank | A | 5,913 | 1.8% | 6.25% |
| United Shore Financial Services | B | 5,898 | 12.8% | 6.50% |
| Crosscountry Mortgage | B | 5,634 | 3.8% | 6.63% |
| TD Bank | D | 3,778 | 26.9% | 7.44% |
Frequently asked questions
Massachusetts: 441 applications in 2025, of which 336 were originated and 36 denied.
8.2% of all applications, or 9.4% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Polish National Credit Union originated in Massachusetts in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Polish National Credit Union's own HMDA filing for properties located in Massachusetts, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology