Polish-American Federal Credit Union
Polish-American Federal Credit Union received 94 applications in 2025 and made 89 mortgages, in 6 counties across 1 state. The median rate its borrowers got was 6.250% on a median loan of $135,000. Of 93 decisions, 3 were denials — 3.2%, most often for debt-to-income ratio. 7 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 254900V7ZAKK6Z6SQ303 |
|---|---|
| Applications received | 94 |
| Mortgages made | 89 |
| Denied | 3 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 1 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.5665 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 | 52 | 6.250% | $165,000 | 1.8% |
| Refinancing | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Cash-out refinancing | 25 | 6.000% | $135,000 | 3.9% |
| Other purposes | 4 | Under 10 loans | Under 10 loans | 0.0% |
Where Polish-American Federal Credit Union lends most
The 6 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Macomb County, MI | 51 | 6.250% | 3.8% |
| Oakland County, MI | 19 | 6.000% | 0.0% |
| Wayne County, MI | 11 | 6.750% | 0.0% |
| Genesee County, MI | 1 | Under 10 loans | 0.0% |
| Muskegon County, MI | 1 | Under 10 loans | 0.0% |
| Washtenaw County, MI | 1 | Under 10 loans | 0.0% |
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When Polish-American Federal Credit Union’s figures are published for the next year, or restated.
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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.