Rising in Springfield
Its share of Springfield rose to 2.1% from 1.9%; Westfield Bank leads there. In Amherst Town-Northampton it ranks 14 of 199 with 2.2%, about the same as the 2.3% of 2024, behind Florence Bank and Greenfield Savings Bank.
Applications / Mortgage Analytics / Lenders / Massachusetts / Polish National Credit Union
Polish National Credit Union
Chicopee, MA · Credit union · NCUA · $759 million assets · 355 loans in 2025
Polish National Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
355
loans originated, 2025
471
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Polish National Credit Union ranks 11 of 322 lenders in Springfield, and in 2025 its loans got much bigger while their number barely moved.
Fewer loans, bigger ones
It made 355 loans, down 3%, while similar lenders (credit unions making between half and twice as many loans) grew 7%. Its typical loan rose to $155,000 from $85,000, higher than at about three in four similar lenders. It made 717 loans in 2020, when its typical rate was 3.12%; fewer refinances as rates rose may explain the fall since.
Buyers and renovators
Purchases were 44.8% of its loans and home improvement 21.1%. It made no higher-priced loans (a rate well above the average for similar loans), against 1.9% at similar lenders, and its typical rate, 6.38%, was lower than at about three in four of them.
Fewer purchase refusals
Its home-purchase denial rate was 4.8%, against 7.6% at similar lenders, lower than at about three in five of them.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
355 loans in 2025, against a peak of 920 in 2021.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Polish National Credit Union took 471 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
44.8% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 44.8% · Refinance 24.8% · Home improvement 21.1% · Other 9.3%
Conventional 100.0% · of 355 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
3 states, 8 metros, 12 counties
| State | Loans | Share |
|---|---|---|
| Massachusetts | 336 | 94.6% |
| Connecticut | 18 | 5.1% |
| Rhode Island | 1 | 0.3% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Springfield | 257 |
| Amherst Town-Northampton | 66 |
| Hartford-West Hartford-East Hartford | 16 |
| Pittsfield | 5 |
| Barnstable Town | 3 |
| Worcester | 3 |
| Boston | 1 |
| Providence-Warwick | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300FQS3UXEAID1Q88 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 485193 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 566597 | 1992–2017 |
Established 1 January 1921. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Polish National Credit Union's data.
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Polish National Credit Union's data
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