POLISH NATIONAL CREDIT UNION
POLISH NATIONAL CREDIT UNION received 471 applications in 2025 and made 355 mortgages, in 14 counties across 3 states. The median rate its borrowers got was 6.375% on a median loan of $155,000. Of 408 decisions, 41 were denials — 10.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300FQS3UXEAID1Q88 |
|---|---|
| Applications received | 471 |
| Mortgages made | 355 |
| Denied | 41 |
| Approved, not taken up | 12 |
| Withdrawn or incomplete | 63 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.146 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 | 159 | 5.625% | $295,000 | 5.2% |
| Refinancing | 18 | 5.625% | $210,000 | 4.8% |
| Cash-out refinancing | 70 | 6.750% | $105,000 | 9.0% |
| Other purposes | 108 | 7.000% | $55,000 | 17.7% |
Where POLISH NATIONAL CREDIT UNION lends most
The 14 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Hampden County, MA | 257 | 6.500% | 9.3% |
| Hampshire County, MA | 66 | 6.313% | 11.5% |
| Capitol Planning Region, CT | 13 | 5.750% | 23.5% |
| Berkshire County, MA | 5 | Under 10 loans | 0.0% |
| Barnstable County, MA | 3 | Under 10 loans | 0.0% |
| Franklin County, MA | 3 | Under 10 loans | 0.0% |
| Naugatuck Valley Planning Region, CT | 2 | Under 10 loans | 0.0% |
| Northeastern Connecticut Planning Region, CT | 2 | Under 10 loans | 33.3% |
| Lower Connecticut River Valley Planning Region, CT | 1 | Under 10 loans | 0.0% |
| Suffolk County, MA | 1 | Under 10 loans | 0.0% |
| Worcester County, MA | 1 | Under 10 loans | 0.0% |
| Washington County, RI | 1 | Under 10 loans | 0.0% |
| Essex County, MA | 0 | Under 10 loans | Not published |
| Middlesex County, MA | 0 | Under 10 loans | Not published |
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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.