Atlantic Regional Federal Credit Union in Maine vs the state
16.2%Denial rate-0.10 pts vs state
21.0%Decision denial rate+0.87 pts vs state
60.3%Origination rate-1.83 pts vs state
7.99%Median rate+1.12 pts vs state
1.90Rate spread (pts)+1.58 pts vs state
$80kMedian applicant income
394Loans originated
106Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 785 | 524 | 17.3% | 7.49% | #14 |
| 2024 | 604 | 357 | 24.0% | 8.50% | #21 |
| 2025 | 653 | 394 | 16.2% | 7.99% | #23 |
What Atlantic Regional Federal Credit Union lends in Maine
By loan purpose
By loan type
Why it denied Maine applicants
Where in Maine
Counties with the most Atlantic Regional Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| York County | 327 | 219 | 45 | 13.8% |
| Cumberland County | 154 | 77 | 26 | 16.9% |
| Androscoggin County | 62 | 32 | 13 | 21.0% |
| Sagadahoc County | 55 | 33 | 8 | 14.5% |
| Kennebec County | 22 | 14 | 6 | 27.3% |
| Oxford County | 9 | 7 | 1 | 11.1% |
| Lincoln County | 8 | 7 | 1 | 12.5% |
| Penobscot County | 6 | 0 | 1 | 16.7% |
| Waldo County | 4 | 2 | 2 | 50.0% |
| Piscataquis County | 2 | 1 | 1 | 50.0% |
Other large lenders in Maine
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Bangor Savings Bank | B | 4,518 | 17.2% | 7.25% |
| United Shore Financial Services | B | 2,675 | 9.1% | 6.50% |
| Rocket Mortgage | C | 2,628 | 22.9% | 6.75% |
| The Camden National Bank | A | 2,559 | 13.2% | 6.99% |
| CMG Mortgage | A | 2,251 | 4.2% | 6.63% |
| Guild Mortgage | A | 1,838 | 5.3% | 6.63% |
| Kennebec Savings Bank | B | 1,493 | 9.6% | 7.00% |
| TD Bank | D | 1,244 | 20.2% | 7.35% |
| Mortgage Research Center | C | 1,104 | 17.6% | 6.25% |
| Evergreen Credit Union | D | 976 | 30.6% | 6.50% |
Frequently asked questions
Maine: 653 applications in 2025, of which 394 were originated and 106 denied.
16.2% of all applications, or 21.0% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
The median rate on loans Atlantic Regional Federal Credit Union originated in Maine in 2025 was 7.99%, against a statewide median of 6.88%.
About this data. Figures are Atlantic Regional Federal Credit Union's own HMDA filing for properties located in Maine, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology