Central One Federal Credit Union in Maine vs the state
14.3%Denial rate-2.04 pts vs state
16.7%Decision denial rate-3.41 pts vs state
71.4%Origination rate+9.26 pts vs state
6.50%Median rate-0.38 pts vs state
-0.52Rate spread (pts)-0.85 pts vs state
$264kMedian applicant income
5Loans originated
1Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 11 | 7 | 18.2% | 7.25% | #190 |
| 2024 | 8 | 5 | 25.0% | 6.38% | #210 |
| 2025 | 7 | 5 | 14.3% | 6.50% | #246 |
What Central One Federal Credit Union lends in Maine
By loan purpose
By loan type
Why it denied Maine applicants
Where in Maine
Counties with the most Central One Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cumberland County | 2 | 2 | 0 | 0.0% |
| York County | 2 | 2 | 0 | 0.0% |
| Penobscot County | 1 | 0 | 1 | 100.0% |
| Somerset County | 1 | 1 | 0 | 0.0% |
| Oxford County | 1 | 0 | 0 | 0.0% |
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: 7 applications in 2025, of which 5 were originated and 1 denied.
14.3% of all applications, or 16.7% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
The median rate on loans Central One Federal Credit Union originated in Maine in 2025 was 6.50%, against a statewide median of 6.88%.
About this data. Figures are Central One 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