# POLISH NATIONAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/polish-national-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


POLISH NATIONAL CREDIT UNION is a credit union, headquartered in Chicopee, MA, serving borrowers across 3 states, with 163 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 12% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 25% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300FQS3UXEAID1Q88
- **Headquarters:** Chicopee, MA
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** CT, MA, NH
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 88/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 75/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.235%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $606
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 163
- **Dollar Volume:** $44 million
- **Applications Received:** 203
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $269,356
- **Average Borrower Income:** $136,160
- **Average Property Value:** $422,975

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (71%)
- ⭐ **Purchase Gold Superstar** (71%)
- ⭐ **Refinance Gold Superstar** (78%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 56/100 | 163 | -0.235% | $606 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 120 loans, Score: 53/100 (Sound)
- Refinance: 43 loans, Score: 60/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 51/100 | 120 | $36M | -0.248% | Sound ☺️ |
| Refinance | 60/100 | 43 | $8M | -0.197% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MA | 150 | 0.25% | 73/100 |
| CT | 12 | 0.03% | 45/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Springfield, MA | MA | 108 | 87/100 |
| Amherst Town | MA | 34 | 76/100 |
| Hartford | CT | 12 | 46/100 |

## Where This Lender Ranks

POLISH NATIONAL CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Springfield, MA Credit Unions
  - [View Full Rankings](https://saferate.com/springfield-ma/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Springfield, MA for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/springfield-ma/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Massachusetts Credit Unions
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Springfield, MA
  - [View Full Rankings](https://saferate.com/springfield-ma/best-mortgage-lenders)
- 🥈 **#2** in Amherst Town
  - [View Full Rankings](https://saferate.com/amherst-town/best-mortgage-lenders)
- 🥉 **#3** in Massachusetts for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Springfield, MA for Conventional Loans
  - [View Full Rankings](https://saferate.com/springfield-ma/best-mortgage-lenders/conventional-loans)
- 🏆 **#8** in Amherst Town for Conventional Loans
  - [View Full Rankings](https://saferate.com/amherst-town/best-mortgage-lenders/conventional-loans)
- 🏆 **#16** in Massachusetts
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does POLISH NATIONAL CREDIT UNION offer?

POLISH NATIONAL CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does POLISH NATIONAL CREDIT UNION offer mortgages?

POLISH NATIONAL CREDIT UNION offers mortgages in 3 states: CT, MA, NH.

### How competitive are POLISH NATIONAL CREDIT UNION's mortgage rates?

POLISH NATIONAL CREDIT UNION has a pricing score of 88/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.235% below market average.

### What type of lender is POLISH NATIONAL CREDIT UNION?

POLISH NATIONAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Chicopee, MA.

### What is POLISH NATIONAL CREDIT UNION's loan approval success rate?

POLISH NATIONAL CREDIT UNION has a pull-through score of 75/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/polish-national-credit-union

### How to Cite

> "POLISH NATIONAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/polish-national-credit-union

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