Applications / Mortgage Analytics / Lenders / Michigan / Polish-Am Federal Credit Union
Troy, MI · Credit union · NCUA · $183 million assets · 102 loans in 2025
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102
loans originated, 2025
113
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Polish-Am Federal Credit Union, a Detroit-area lender, makes more than half its home loans to low- and moderate-income (LMI) borrowers, a higher share than almost any credit union its size.
LMI borrowers took 57.8% of its loans, against 29.9% at similar lenders (credit unions making between half and twice as many loans), higher than nearly all of them. LMI neighborhoods took 31.1%, against 17.2%, higher than nearly nine in ten. This is no one-off: the borrower share was 62.1% in 2020.
Its typical rate was 6.25%, against 6.75% at peers, lower than about four in five. None of its loans was higher-priced (a rate well above the average for similar loans), against 3.3% at peers.
Its typical loan was $145,000, against $95,000, larger than about four in five similar credit unions. Home purchases made up 63.7% of its lending, and every loan was conventional.
It made 102 loans, down 14% from 118 and from 150 in 2023, while peers grew 8%. The figures do not show why. It made 93 in 2021, so 2025 may be closer to its usual level than 2023 was. It first reported in 1991.
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
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Polish-Am Federal Credit Union took 113 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 63.7% · Refinance 32.4% · Other 3.9%
Conventional 100.0% · of 102 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
| State | Loans | Share |
|---|---|---|
| Michigan | 90 | 88.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Warren-Troy-Farmington Hills | 75 |
| Detroit-Dearborn-Livonia | 12 |
| Ann Arbor | 1 |
| Flint | 1 |
| Muskegon-Norton Shores | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900V7ZAKK6Z6SQ303 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 508887 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 522280 | 1990–2017 |
Established 1 January 1976. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Polish-Am Federal Credit Union's data.
Polish-Am Federal Credit Union's data
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Polish-Am Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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