Polish N.A.tional Credit Union mortgage approval rate & lending review
Polish N.A.tional Credit Union decided 944 mortgage applications and funded 802 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Polish N.A.tional Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Polish N.A.tional Credit Union at a glance
Approval is 13.5 points above the 74.0% 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 | 96% | 316 / 330 | 98% | $275K | 309 |
| Home improvement loans | 81% | 275 / 341 | 97% | $45K | 267 |
| Cash-out refinance | 87% | 160 / 183 | 97% | $75K | 155 |
| Refinance | 76% | 38 / 50 | 95% | $85K | 36 |
| Investment property purchase | 100% | 29 / 29 | 97% | $205K | 28 |
Polish N.A.tional Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 88% | $75K | 900 | 766 |
| Connecticut | 82% | $295K | 40 | 32 |
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 N.A.tional Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Hampden County, MA | Mortgage lenders | 97% | 238 | 226 |
| Hampden County, MA | Home improvement loans | 79% | 273 | 211 |
| Hampden County, MA | Cash-out refinance | 87% | 146 | 123 |
| Hampshire County, MA | Mortgage lenders | 95% | 62 | 56 |
| Hampshire County, MA | Home improvement loans | 88% | 57 | 49 |
| Hampshire County, MA | Cash-out refinance | 90% | 31 | 27 |
| Hampden County, MA | Refinance | 76% | 37 | 26 |
The county markets where Polish N.A.tional Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Polish N.A.tional Credit Union
What is Polish N.A.tional Credit Union's mortgage approval rate?
Polish N.A.tional Credit Union approved 87.5% of the 944 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.5 points above the 74.0% national rate for the same mix of loan types.
How often do borrowers take the loan Polish N.A.tional Credit Union offers?
Borrowers accepted 97% of the loans Polish N.A.tional Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Polish N.A.tional Credit Union make?
The typical home improvement loan loan Polish N.A.tional Credit Union made was $45K; across all loan types its typical loan ran from $45K to $275K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Polish N.A.tional Credit Union lend?
Polish N.A.tional Credit Union decided applications in 4 of the states Fat Boy Data covers, most of them in Massachusetts, Connecticut and Rhode Island.
Can I apply to Polish N.A.tional Credit Union directly?
Yes. Polish N.A.tional Credit Union is a bank or credit union with 8 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Polish N.A.tional 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 N.A.tional Credit Union treats applications, then get a rate quote from the lender.