Dirigo Federal Credit Union in Maine vs the state
19.5%Denial rate+3.15 pts vs state
21.5%Decision denial rate+1.44 pts vs state
68.8%Origination rate+6.60 pts vs state
—Median rate
—Rate spread (pts)
$85kMedian applicant income
240Loans originated
68Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 290 | 165 | 27.9% | — | #42 |
| 2024 | 378 | 232 | 27.0% | — | #37 |
| 2025 | 349 | 240 | 19.5% | — | #44 |
What Dirigo Federal Credit Union lends in Maine
By loan purpose
By loan type
Where in Maine
Counties with the most Dirigo Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Androscoggin County | 205 | 136 | 41 | 20.0% |
| Oxford County | 83 | 56 | 20 | 24.1% |
| Cumberland County | 26 | 22 | 0 | 0.0% |
| Kennebec County | 15 | 13 | 2 | 13.3% |
| Sagadahoc County | 7 | 4 | 3 | 42.9% |
| York County | 4 | 2 | 1 | 25.0% |
| Franklin County | 2 | 2 | 0 | 0.0% |
| Lincoln County | 2 | 2 | 0 | 0.0% |
| Piscataquis County | 1 | 1 | 0 | 0.0% |
| Knox 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: 349 applications in 2025, of which 240 were originated and 68 denied.
19.5% of all applications, or 21.5% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Dirigo 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