Polish & Slavic Federal Credit Mortgage Lending & HMDA Data, 2025
In 2025, Polish & Slavic Federal Credit of Brooklyn, NY reported 1,008 mortgage applications totaling $309.5 million, up 20% from 2024. The average application was for $306,994, and applicants reported an average income of $200,069. 57% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Chicago-Naperville, IL (395), New York-Jersey City-White Plains, NY-NJ (230) and Lakewood-New Brunswick, NJ (66) (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 | 1,008 |
| Total Mortgage Loan Application Amount | $309,450,000 |
| Average Mortgage Loan Application Amount | $306,994 |
| Highest Mortgage Loan Application Amount | $4,005,000 |
| Average Applicant Income | $200,069 |
| Highest Applicant Income | $7,418,000 |
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records Polish & Slavic Federal Credit filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Chicago-Naperville, IL | 395 | $ 93,235,000 | $ 236,037 | $ 185,000 |
| New York-Jersey City-White Plains, NY-NJ | 230 | $ 115,680,000 | $ 502,956 | $ 202,086 |
| Lakewood-New Brunswick, NJ | 66 | $ 17,820,000 | $ 270,000 | $ 135,000 |
| Outside any metro area | 55 | $ 11,675,000 | $ 212,272 | $ 211,818 |
| Newark, NJ-PA | 53 | $ 13,435,000 | $ 253,490 | $ 185,000 |
| Nassau County-Suffolk County, NY | 39 | $ 14,415,000 | $ 369,615 | $ 236,000 |
| Hartford-West Hartford-East Hartford, CT | 21 | $ 5,095,000 | $ 242,619 | $ 132,000 |
| Elgin, IL | 19 | $ 3,965,000 | $ 208,684 | $ 155,000 |
| Lake County-Kenosha County, IL-WI | 19 | $ 4,255,000 | $ 223,947 | $ 396,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 13 | $ 3,015,000 | $ 231,923 | $ 336,153 |
| Trenton, NJ | 13 | $ 2,885,000 | $ 221,923 | $ 653,000 |
| Bridgeport-Stamford-Norwalk, CT | 9 | $ 3,115,000 | $ 346,111 | $ 121,000 |
| North Port-Sarasota-Bradenton, FL | 9 | $ 3,145,000 | $ 349,444 | $ 138,000 |
| Montgomery County-Bucks County-Chester County, PA | 7 | $ 2,145,000 | $ 306,428 | $ 149,000 |
| Philadelphia, PA | 7 | $ 945,000 | $ 135,000 | $ 92,000 |
| Camden, NJ | 6 | $ 1,310,000 | $ 218,333 | $ 90,000 |
| Jacksonville, FL | 4 | $ 1,240,000 | $ 310,000 | $ 148,000 |
| Tampa, FL | 4 | $ 570,000 | $ 142,500 | $ 109,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 4 | $ 980,000 | $ 245,000 | $ 81,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 615,000 | $ 205,000 | $ 292,000 |
| Lake County-Porter County-Jasper County, IN | 3 | $ 865,000 | $ 288,333 | $ 155,000 |
| Waterbury-Shelton, CT | 3 | $ 1,085,000 | $ 361,666 | $ 89,000 |
| Albany-Schenectady-Troy, NY | 2 | $ 290,000 | $ 145,000 | $ 277,000 |
| Kankakee, IL | 2 | $ 810,000 | $ 405,000 | $ 49,000 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 2 | $ 820,000 | $ 410,000 | $ 128,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 1,650,000 | $ 825,000 | $ 386,000 |
| Reading, PA | 2 | $ 530,000 | $ 265,000 | $ 41,000 |
| St. Louis, MO-IL | 2 | $ 500,000 | $ 250,000 | $ 105,000 |
| Utica-Rome, NY | 2 | $ 510,000 | $ 255,000 | $ 124,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 205,000 | $ 205,000 | $ 97,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 235,000 | $ 235,000 | $ 102,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 105,000 | $ 105,000 | $ 58,000 |
| Lakeland-Winter Haven, FL | 1 | $ 265,000 | $ 265,000 | $ 216,000 |
| Ocala, FL | 1 | $ 55,000 | $ 55,000 | $ 123,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 285,000 | $ 285,000 | $ 227,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 105,000 | $ 105,000 | $ 108,000 |
| Punta Gorda, FL | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Rockford, IL | 1 | $ 125,000 | $ 125,000 | $ 2,527,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 55,000 | $ 55,000 | $ 58,000 |
| Sebastian-Vero Beach, FL | 1 | $ 285,000 | $ 285,000 | $ 86,000 |
| St. Petersburg-Clearwater-Largo, FL | 1 | $ 775,000 | $ 775,000 | $ 159,000 |
Mortgage Loan Application Detail Totals for Polish & Slavic Federal Credit in 2025
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 | 489 | $180,225,000 | $368,000 | $2,645,000 | $161,000 | $3,250,000 |
| Home Improvement | 203 | $31,395,000 | $154,000 | $405,000 | $132,000 | $1,927,000 |
| Other Purpose | 137 | $20,735,000 | $151,000 | $1,005,000 | $335,000 | $7,418,000 |
| Cash-out Refinancing | 107 | $47,255,000 | $441,000 | $4,005,000 | $222,000 | $5,141,000 |
| Refinancing | 72 | $29,840,000 | $414,000 | $1,665,000 | $368,000 | $5,720,000 |
| 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 | 822 | $204,560,000 | $248,000 | $2,645,000 | $186,000 | $7,418,000 |
| Not applicable | 70 | $69,450,000 | $992,000 | $4,005,000 | $0 | $0 |
| Not Provided | 67 | $22,345,000 | $333,000 | $945,000 | $336,000 | $4,368,000 |
| Hispanic | 35 | $9,675,000 | $276,000 | $725,000 | $191,000 | $2,213,000 |
| Asian | 11 | $2,995,000 | $272,000 | $475,000 | $199,000 | $390,000 |
| Black or African American | 3 | $425,000 | $141,000 | $255,000 | $115,000 | $178,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 1,008 | $309,450,000 | $306,000 | $4,005,000 | $197,000 | $7,418,000 |
| 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 | 571 | $172,115,000 | $301,000 | $2,645,000 | $129,000 | $954,000 |
| Application Withdrawn By Applicant | 190 | $72,320,000 | $380,000 | $4,005,000 | $307,000 | $5,200,000 |
| Application Denied By Financial Institution | 159 | $38,325,000 | $241,000 | $2,005,000 | $113,000 | $2,527,000 |
| File Closed For Incompleteness | 75 | $22,215,000 | $296,000 | $1,665,000 | $645,000 | $7,418,000 |
| Application Approved But Not Accepted | 13 | $4,475,000 | $344,000 | $1,025,000 | $124,000 | $218,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 1,008 | $309,450,000 | $306,000 | $4,005,000 | $197,000 | $7,418,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Polish & Slavic Federal Credit's 2025 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
with aggregated HMDA statistics today.
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