Polish & Slavic Federal Credit Mortgage Lending & HMDA Data, 2019
In 2019, Polish & Slavic Federal Credit of Brooklyn, NY reported 973 mortgage applications totaling $251.4 million, up 12% from 2018. The average application was for $258,350, and applicants reported an average income of $90,503. 66% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Chicago-Naperville, IL (492), New York-Jersey City-White Plains, NY-NJ (213) and New York-Newark, NY (41) (applications in parentheses).
| Mortgage Company & Address | Polish & Slavic Federal Credit 100 McGuinness Blvd Brooklyn, NY 11222 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 973 |
| Total Mortgage Loan Application Amount | $251,375,000 |
| Average Mortgage Loan Application Amount | $258,350 |
| Highest Mortgage Loan Application Amount | $2,205,000 |
| Average Applicant Income | $90,503 |
| Highest Applicant Income | $1,144,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Polish & Slavic Federal Credit filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cook, Illinois | 380 | $ 66,980,000 | $ 176,263 | $ 72,000 |
| Queens, New York | 67 | $ 34,735,000 | $ 518,432 | $ 121,000 |
| DuPage, Illinois | 63 | $ 12,985,000 | $ 206,111 | $ 89,000 |
| Kings, New York | 53 | $ 45,975,000 | $ 867,452 | $ 168,000 |
| Bergen, New Jersey | 47 | $ 13,195,000 | $ 280,744 | $ 121,000 |
| Will, Illinois | 37 | $ 6,645,000 | $ 179,594 | $ 70,000 |
| Monroe, Pennsylvania | 25 | $ 3,175,000 | $ 127,000 | $ 102,000 |
| Lake, Illinois | 19 | $ 4,245,000 | $ 223,421 | $ 80,000 |
| Middlesex, New Jersey | 19 | $ 4,665,000 | $ 245,526 | $ 95,000 |
| Passaic, New Jersey | 19 | $ 4,835,000 | $ 254,473 | $ 92,000 |
| McHenry, Illinois | 12 | $ 2,350,000 | $ 195,833 | $ 70,000 |
| Mercer, New Jersey | 12 | $ 2,090,000 | $ 174,166 | $ 59,000 |
| Suffolk, New York | 12 | $ 3,420,000 | $ 285,000 | $ 89,000 |
| Bucks, Pennsylvania | 11 | $ 2,835,000 | $ 257,727 | $ 93,000 |
| Kane, Illinois | 10 | $ 1,670,000 | $ 167,000 | $ 73,000 |
| Union, New Jersey | 10 | $ 2,680,000 | $ 268,000 | $ 99,000 |
| Essex, New Jersey | 9 | $ 3,645,000 | $ 405,000 | $ 225,000 |
| Morris, New Jersey | 9 | $ 2,555,000 | $ 283,888 | $ 117,000 |
| Fairfield, Connecticut | 8 | $ 2,230,000 | $ 278,750 | $ 116,000 |
| Richmond, New York | 8 | $ 2,040,000 | $ 255,000 | $ 109,000 |
| Ocean, New Jersey | 7 | $ 685,000 | $ 97,857 | $ 77,000 |
| Somerset, New Jersey | 7 | $ 1,395,000 | $ 199,285 | $ 110,000 |
| Nassau, New York | 7 | $ 3,125,000 | $ 446,428 | $ 197,000 |
| Philadelphia, Pennsylvania | 7 | $ 1,055,000 | $ 150,714 | $ 53,000 |
| Hartford, Connecticut | 6 | $ 850,000 | $ 141,666 | $ 56,000 |
| Sarasota, Florida | 6 | $ 720,000 | $ 120,000 | $ 48,000 |
| Burlington, New Jersey | 6 | $ 730,000 | $ 121,666 | $ 51,000 |
| Hudson, New Jersey | 6 | $ 1,410,000 | $ 235,000 | $ 92,000 |
| Monmouth, New Jersey | 5 | $ 915,000 | $ 183,000 | $ 125,000 |
| Pike, Pennsylvania | 5 | $ 585,000 | $ 117,000 | $ 108,000 |
| Flagler, Florida | 4 | $ 650,000 | $ 162,500 | $ 84,000 |
| Palm Beach, Florida | 4 | $ 330,000 | $ 82,500 | $ 77,000 |
| Sussex, New Jersey | 4 | $ 690,000 | $ 172,500 | $ 58,000 |
| Bronx, New York | 4 | $ 1,080,000 | $ 270,000 | $ 103,000 |
| Sullivan, New York | 4 | $ 460,000 | $ 115,000 | $ 133,000 |
| Pinellas, Florida | 3 | $ 475,000 | $ 158,333 | $ 85,000 |
| Rockland, New York | 3 | $ 645,000 | $ 215,000 | $ 92,000 |
| Montgomery, Pennsylvania | 3 | $ 685,000 | $ 228,333 | $ 71,000 |
| Manatee, Florida | 2 | $ 550,000 | $ 275,000 | $ 369,000 |
| Kendall, Illinois | 2 | $ 390,000 | $ 195,000 | $ 58,000 |
| Delaware, New York | 2 | $ 220,000 | $ 110,000 | $ 97,000 |
| New York, New York | 2 | $ 830,000 | $ 415,000 | $ 450,000 |
| Orange, New York | 2 | $ 410,000 | $ 205,000 | $ 109,000 |
| Putnam, New York | 2 | $ 550,000 | $ 275,000 | $ 84,000 |
| Westchester, New York | 2 | $ 760,000 | $ 380,000 | $ 72,000 |
| Northampton, Pennsylvania | 2 | $ 490,000 | $ 245,000 | $ 171,000 |
| New Haven, Connecticut | 1 | $ 245,000 | $ 245,000 | $ 56,000 |
| New London, Connecticut | 1 | $ 375,000 | $ 375,000 | $ 90,000 |
| Collier, Florida | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Lee, Florida | 1 | $ 245,000 | $ 245,000 | $ 82,000 |
| Martin, Florida | 1 | $ 145,000 | $ 145,000 | $ 34,000 |
| Miami-Dade, Florida | 1 | $ 225,000 | $ 225,000 | $ 60,000 |
| Orange, Florida | 1 | $ 155,000 | $ 155,000 | $ 223,000 |
| Pasco, Florida | 1 | $ 105,000 | $ 105,000 | $ 162,000 |
| Seminole, Florida | 1 | $ 215,000 | $ 215,000 | $ 201,000 |
| LaSalle, Illinois | 1 | $ 65,000 | $ 65,000 | $ 39,000 |
| Camden, New Jersey | 1 | $ 55,000 | $ 55,000 | $ 61,000 |
| Gloucester, New Jersey | 1 | $ 115,000 | $ 115,000 | $ 59,000 |
| Hunterdon, New Jersey | 1 | $ 305,000 | $ 305,000 | $ 81,000 |
| Dutchess, New York | 1 | $ 255,000 | $ 255,000 | $ 90,000 |
| Essex, New York | 1 | $ 175,000 | $ 175,000 | $ 221,000 |
| Onondaga, New York | 1 | $ 135,000 | $ 135,000 | $ 41,000 |
| Ulster, New York | 1 | $ 175,000 | $ 175,000 | $ 103,000 |
| Wayne, Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 122,000 |
Mortgage Loan Application Detail Totals for Polish & Slavic Federal Credit in 2019
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 464 | $116,920,000 | $251,000 | $2,035,000 | $86,000 | $742,000 |
| Refinancing | 276 | $55,090,000 | $199,000 | $1,425,000 | $84,000 | $600,000 |
| Cash-out Refinancing | 228 | $78,210,000 | $343,000 | $2,205,000 | $108,000 | $1,144,000 |
| Home Improvement | 4 | $910,000 | $227,000 | $355,000 | $63,000 | $106,000 |
| Other Purpose | 1 | $245,000 | $245,000 | $245,000 | $96,000 | $96,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 891 | $196,375,000 | $220,000 | $1,355,000 | $89,000 | $1,144,000 |
| Not applicable | 51 | $46,525,000 | $912,000 | $2,205,000 | $0 | $0 |
| Not Provided | 21 | $5,885,000 | $280,000 | $745,000 | $163,000 | $863,000 |
| Hispanic | 8 | $2,140,000 | $267,000 | $675,000 | $73,000 | $121,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 973 | $251,375,000 | $258,000 | $2,205,000 | $90,000 | $1,144,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 642 | $165,280,000 | $257,000 | $2,205,000 | $90,000 | $1,144,000 |
| Application Withdrawn By Applicant | 188 | $48,540,000 | $258,000 | $1,355,000 | $93,000 | $742,000 |
| Application Denied By Financial Institution | 102 | $24,050,000 | $235,000 | $1,755,000 | $71,000 | $259,000 |
| File Closed For Incompleteness | 24 | $9,470,000 | $394,000 | $1,195,000 | $166,000 | $863,000 |
| Application Approved But Not Accepted | 17 | $4,035,000 | $237,000 | $795,000 | $90,000 | $364,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 871 | $227,325,000 | $260,000 | $2,205,000 | $92,000 | $1,144,000 |
| Debt-To-Income Ratio | 47 | $11,045,000 | $235,000 | $645,000 | $54,000 | $167,000 |
| Credit History | 22 | $5,260,000 | $239,000 | $555,000 | $90,000 | $259,000 |
| Collateral | 16 | $2,810,000 | $175,000 | $335,000 | $84,000 | $180,000 |
| Other | 11 | $1,965,000 | $178,000 | $355,000 | $95,000 | $177,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $2,820,000 | $705,000 | $1,755,000 | $72,000 | $113,000 |
| Unverifiable Information | 1 | $115,000 | $115,000 | $115,000 | $24,000 | $24,000 |
| Employment History | 1 | $35,000 | $35,000 | $35,000 | $42,000 | $42,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Polish & Slavic Federal Credit's 2019 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Polish & Slavic Federal Credit's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in New York, download the full spreadsheet
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