Acadia Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
94th0.9% deniedProcesswithdrawn + incomplete share, weight 15%
90th1.7%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 239 | 206 | 3.4% | 3.7% | 7.50% | $25M |
| 2024 | 138 | 131 | 0.7% | 0.8% | 7.25% | $15M |
| 2025 | 237 | 231 | 0.8% | 0.9% | 7.75% | $30M |
What Acadia Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 46 manufactured homes, 23 investment properties.
Who gets approved at Acadia Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 27 | 27 | 0.0% |
| $50k – $100k | 84 | 81 | 1.2% |
| $100k – $150k | 75 | 72 | 1.4% |
| $150k – $250k | 41 | 41 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 44 | 43 | 0.0% |
| 35–44 | 41 | 41 | 0.0% |
| 45–54 | 59 | 57 | 3.4% |
| 55–64 | 60 | 59 | 0.0% |
Where Acadia Federal Credit Union lends
2 states and 10 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Maine | 235 | 229 | 0.9% | 7.75% | #63 |
Frequently asked questions
Acadia Federal Credit Union denied 0.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 94th percentile of small mortgage lenders.
The median interest rate on loans Acadia Federal Credit Union originated in 2025 was 7.75%, and its median rate spread over the average prime offer rate was 0.00 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 30% of its applications were for home purchases, 17% for refinancing (including cash-out), and 53% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.