Polish & Slavic Federal Credit Mortgage Lending & HMDA Data, 2022
In 2022, Polish & Slavic Federal Credit of Brooklyn, NY reported 1,692 mortgage applications totaling $436.6 million, up 34% from 2021. The average application was for $258,026, and applicants reported an average income of $100,829. 70% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Chicago-Naperville, IL (775), New York-Jersey City-White Plains, NY-NJ (351) and Newark, NJ-PA (97) (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 | 1,692 |
| Total Mortgage Loan Application Amount | $436,580,000 |
| Average Mortgage Loan Application Amount | $258,026 |
| Highest Mortgage Loan Application Amount | $4,455,000 |
| Average Applicant Income | $100,829 |
| Highest Applicant Income | $3,547,000 |
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records Polish & Slavic Federal Credit filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 605 | $ 127,885,000 | $ 211,380 | $ 87,000 |
| Queens, New York | 114 | $ 48,790,000 | $ 427,982 | $ 152,000 |
| DuPage, Illinois | 84 | $ 15,190,000 | $ 180,833 | $ 110,000 |
| Bergen, New Jersey | 80 | $ 21,030,000 | $ 262,875 | $ 111,000 |
| Will, Illinois | 58 | $ 11,010,000 | $ 189,827 | $ 72,000 |
| Kings, New York | 50 | $ 39,640,000 | $ 792,800 | $ 151,000 |
| Middlesex, New Jersey | 49 | $ 10,245,000 | $ 209,081 | $ 92,000 |
| Monroe, Pennsylvania | 46 | $ 8,190,000 | $ 178,043 | $ 78,000 |
| Passaic, New Jersey | 42 | $ 9,660,000 | $ 230,000 | $ 94,000 |
| Mercer, New Jersey | 38 | $ 6,770,000 | $ 178,157 | $ 77,000 |
| Suffolk, New York | 36 | $ 10,170,000 | $ 282,500 | $ 111,000 |
| Lake, Illinois | 34 | $ 9,030,000 | $ 265,588 | $ 85,000 |
| Morris, New Jersey | 30 | $ 8,550,000 | $ 285,000 | $ 111,000 |
| McHenry, Illinois | 28 | $ 6,270,000 | $ 223,928 | $ 84,000 |
| Richmond, New York | 27 | $ 9,195,000 | $ 340,555 | $ 99,000 |
| Union, New Jersey | 26 | $ 6,580,000 | $ 253,076 | $ 159,000 |
| Somerset, New Jersey | 24 | $ 6,770,000 | $ 282,083 | $ 131,000 |
| Fairfield, Connecticut | 23 | $ 7,455,000 | $ 324,130 | $ 119,000 |
| Sarasota, Florida | 18 | $ 5,350,000 | $ 297,222 | $ 108,000 |
| Nassau, New York | 17 | $ 7,965,000 | $ 468,529 | $ 263,000 |
| Kane, Illinois | 16 | $ 3,780,000 | $ 236,250 | $ 127,000 |
| Hudson, New Jersey | 13 | $ 3,245,000 | $ 249,615 | $ 81,000 |
| Bucks, Pennsylvania | 13 | $ 3,085,000 | $ 237,307 | $ 104,000 |
| Pike, Pennsylvania | 13 | $ 1,565,000 | $ 120,384 | $ 74,000 |
| Essex, New Jersey | 12 | $ 3,270,000 | $ 272,500 | $ 156,000 |
| Sussex, New Jersey | 11 | $ 3,515,000 | $ 319,545 | $ 131,000 |
| Westchester, New York | 11 | $ 3,415,000 | $ 310,454 | $ 129,000 |
| Pinellas, Florida | 10 | $ 1,820,000 | $ 182,000 | $ 65,000 |
| Hartford, Connecticut | 8 | $ 1,760,000 | $ 220,000 | $ 75,000 |
| Monmouth, New Jersey | 7 | $ 1,975,000 | $ 282,142 | $ 112,000 |
| Philadelphia, Pennsylvania | 7 | $ 1,445,000 | $ 206,428 | $ 94,000 |
| Manatee, Florida | 6 | $ 1,400,000 | $ 233,333 | $ 111,000 |
| Delaware, Pennsylvania | 6 | $ 1,720,000 | $ 286,666 | $ 58,000 |
| Northampton, Pennsylvania | 6 | $ 1,190,000 | $ 198,333 | $ 103,000 |
| Broward, Florida | 5 | $ 995,000 | $ 199,000 | $ 124,000 |
| Lee, Florida | 5 | $ 1,265,000 | $ 253,000 | $ 84,000 |
| Palm Beach, Florida | 5 | $ 1,415,000 | $ 283,000 | $ 182,000 |
| Pasco, Florida | 5 | $ 815,000 | $ 163,000 | $ 87,000 |
| Lake, Indiana | 5 | $ 895,000 | $ 179,000 | $ 63,000 |
| Hunterdon, New Jersey | 5 | $ 1,025,000 | $ 205,000 | $ 75,000 |
| Rockland, New York | 5 | $ 1,105,000 | $ 221,000 | $ 76,000 |
| Kendall, Illinois | 4 | $ 740,000 | $ 185,000 | $ 61,000 |
| Putnam, New York | 4 | $ 850,000 | $ 212,500 | $ 90,000 |
| Sullivan, New York | 4 | $ 530,000 | $ 132,500 | $ 95,000 |
| Ulster, New York | 4 | $ 980,000 | $ 245,000 | $ 98,000 |
| Carbon, Pennsylvania | 4 | $ 510,000 | $ 127,500 | $ 68,000 |
| Flagler, Florida | 3 | $ 555,000 | $ 185,000 | $ 77,000 |
| St. Johns, Florida | 3 | $ 1,235,000 | $ 411,666 | $ 246,000 |
| Burlington, New Jersey | 3 | $ 515,000 | $ 171,666 | $ 53,000 |
| Ocean, New Jersey | 3 | $ 595,000 | $ 198,333 | $ 74,000 |
| Bronx, New York | 3 | $ 1,425,000 | $ 475,000 | $ 96,000 |
| Orange, New York | 3 | $ 825,000 | $ 275,000 | $ 99,000 |
| Lehigh, Pennsylvania | 3 | $ 675,000 | $ 225,000 | $ 54,000 |
| Luzerne, Pennsylvania | 3 | $ 305,000 | $ 101,666 | $ 124,000 |
| Charlotte, Florida | 2 | $ 540,000 | $ 270,000 | $ 147,000 |
| Collier, Florida | 2 | $ 310,000 | $ 155,000 | $ 58,000 |
| Duval, Florida | 2 | $ 300,000 | $ 150,000 | $ 55,000 |
| Porter, Indiana | 2 | $ 440,000 | $ 220,000 | $ 105,000 |
| Starke, Indiana | 2 | $ 350,000 | $ 175,000 | $ 70,000 |
| Dutchess, New York | 2 | $ 470,000 | $ 235,000 | $ 106,000 |
| New York, New York | 2 | $ 550,000 | $ 275,000 | $ 103,000 |
| Wayne, Pennsylvania | 2 | $ 450,000 | $ 225,000 | $ 131,000 |
| Litchfield, Connecticut | 1 | $ 175,000 | $ 175,000 | $ 59,000 |
| Middlesex, Connecticut | 1 | $ 165,000 | $ 165,000 | $ 93,000 |
| New Haven, Connecticut | 1 | $ 225,000 | $ 225,000 | $ 82,000 |
| Hernando, Florida | 1 | $ 145,000 | $ 145,000 | $ 45,000 |
| Hillsborough, Florida | 1 | $ 55,000 | $ 55,000 | $ 59,000 |
| Indian River, Florida | 1 | $ 145,000 | $ 145,000 | $ 51,000 |
| Martin, Florida | 1 | $ 525,000 | $ 525,000 | $ 132,000 |
| Miami-Dade, Florida | 1 | $ 335,000 | $ 335,000 | $ 76,000 |
| Santa Rosa, Florida | 1 | $ 275,000 | $ 275,000 | $ 153,000 |
| Champaign, Illinois | 1 | $ 195,000 | $ 195,000 | $ 110,000 |
| Putnam, Illinois | 1 | $ 105,000 | $ 105,000 | $ 66,000 |
| St. Joseph, Indiana | 1 | $ 535,000 | $ 535,000 | $ 90,000 |
| Steuben, Indiana | 1 | $ 205,000 | $ 205,000 | $ 35,000 |
| Gloucester, New Jersey | 1 | $ 105,000 | $ 105,000 | $ 28,000 |
| Warren, New Jersey | 1 | $ 305,000 | $ 305,000 | $ 69,000 |
| Essex, New York | 1 | $ 105,000 | $ 105,000 | $ 28,000 |
| Lewis, New York | 1 | $ 125,000 | $ 125,000 | $ 56,000 |
| Oneida, New York | 1 | $ 385,000 | $ 385,000 | $ 249,000 |
| Oswego, New York | 1 | $ 45,000 | $ 45,000 | $ 32,000 |
| Allegheny, Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 47,000 |
| Berks, Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 73,000 |
| Chester, Pennsylvania | 1 | $ 255,000 | $ 255,000 | $ 60,000 |
| Dauphin, Pennsylvania | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Lebanon, Pennsylvania | 1 | $ 215,000 | $ 215,000 | $ 106,000 |
| Montgomery, Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 53,000 |
| Schuylkill, Pennsylvania | 1 | $ 485,000 | $ 485,000 | $ 118,000 |
| York, Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 141,000 |
Mortgage Loan Application Detail Totals for Polish & Slavic Federal Credit in 2022
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 | 799 | $234,415,000 | $293,000 | $4,455,000 | $110,000 | $1,239,000 |
| Cash-out Refinancing | 427 | $110,675,000 | $259,000 | $3,005,000 | $86,000 | $460,000 |
| Refinancing | 240 | $53,500,000 | $222,000 | $1,255,000 | $90,000 | $1,316,000 |
| Home Improvement | 184 | $31,600,000 | $171,000 | $1,055,000 | $86,000 | $359,000 |
| Other Purpose | 42 | $6,390,000 | $152,000 | $255,000 | $204,000 | $3,547,000 |
| 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 | 1,535 | $346,825,000 | $225,000 | $2,045,000 | $100,000 | $3,547,000 |
| Not applicable | 80 | $65,720,000 | $821,000 | $4,455,000 | $0 | $0 |
| Hispanic | 50 | $15,940,000 | $318,000 | $745,000 | $85,000 | $164,000 |
| Not Provided | 17 | $5,805,000 | $341,000 | $725,000 | $263,000 | $1,316,000 |
| Black or African American | 3 | $355,000 | $118,000 | $255,000 | $72,000 | $111,000 |
| Asian | 2 | $650,000 | $325,000 | $545,000 | $181,000 | $300,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 1,692 | $436,580,000 | $258,000 | $4,455,000 | $101,000 | $3,547,000 |
| 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 | 1,179 | $301,135,000 | $255,000 | $3,005,000 | $106,000 | $3,547,000 |
| Application Denied By Financial Institution | 250 | $56,940,000 | $227,000 | $1,165,000 | $63,000 | $276,000 |
| Application Withdrawn By Applicant | 175 | $58,645,000 | $335,000 | $4,455,000 | $109,000 | $474,000 |
| File Closed For Incompleteness | 47 | $11,285,000 | $240,000 | $1,255,000 | $165,000 | $1,316,000 |
| Application Approved But Not Accepted | 41 | $8,575,000 | $209,000 | $905,000 | $76,000 | $178,000 |
| 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 | 1,442 | $379,640,000 | $263,000 | $4,455,000 | $108,000 | $3,547,000 |
| Debt-To-Income Ratio | 147 | $32,235,000 | $219,000 | $845,000 | $58,000 | $230,000 |
| Other | 42 | $12,300,000 | $292,000 | $1,165,000 | $78,000 | $276,000 |
| Credit History | 28 | $5,380,000 | $192,000 | $415,000 | $75,000 | $144,000 |
| Collateral | 19 | $2,945,000 | $155,000 | $295,000 | $79,000 | $190,000 |
| Employment History | 7 | $1,185,000 | $169,000 | $255,000 | $12,000 | $59,000 |
| Unverifiable Information | 4 | $1,040,000 | $260,000 | $435,000 | $40,000 | $94,000 |
| Credit Application Incomplete | 1 | $1,125,000 | $1,125,000 | $1,125,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $465,000 | $465,000 | $465,000 | $138,000 | $138,000 |
| Mortgage Insurance Denied | 1 | $265,000 | $265,000 | $265,000 | $64,000 | $64,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Polish & Slavic Federal Credit's 2022 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.
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