Polish-American Federal Credit Union mortgage approval rate & lending review
Polish-American Federal Credit Union decided 301 mortgage applications and funded 299 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Polish-American Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Polish-American Federal Credit Union at a glance
Approval is 17.6 points above the 81.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 99% | 173 / 174 | 100% | $165K | 173 |
| Cash-out refinance | 99% | 70 / 71 | 100% | $145K | 70 |
Polish-American Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Michigan | 99% | $165K | 301 | 299 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Polish-American Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Macomb County, MI | Mortgage lenders | 99% | 122 | 121 |
| Macomb County, MI | Cash-out refinance | 97% | 36 | 35 |
The county markets where Polish-American Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Polish-American Federal Credit Union
What is Polish-American Federal Credit Union's mortgage approval rate?
Polish-American Federal Credit Union approved 99.3% of the 301 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 17.6 points above the 81.7% national rate for the same mix of loan types.
How often do borrowers take the loan Polish-American Federal Credit Union offers?
Borrowers accepted 100% of the loans Polish-American Federal Credit Union approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Polish-American Federal Credit Union make?
The typical home purchase mortgage loan Polish-American Federal Credit Union made was $165K; across all loan types its typical loan ran from $145K to $165K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Polish-American Federal Credit Union lend?
Polish-American Federal Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Michigan.
Can I apply to Polish-American Federal Credit Union directly?
Yes. Polish-American Federal Credit Union is a bank or credit union with 2 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Polish-American Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Polish-American Federal Credit Union treats applications, then get a rate quote from the lender.