Empeople Credit Union in Maine vs the state
33.4%Denial rate+17.07 pts vs state
38.5%Decision denial rate+18.40 pts vs state
53.0%Origination rate-9.18 pts vs state
6.49%Median rate-0.38 pts vs state
-0.60Rate spread (pts)-0.93 pts vs state
$102kMedian applicant income
257Loans originated
162Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 539 | 292 | 34.3% | 6.99% | #20 |
| 2024 | 427 | 219 | 36.1% | 6.99% | #33 |
| 2025 | 485 | 257 | 33.4% | 6.49% | #32 |
What Empeople Credit Union lends in Maine
By loan purpose
By loan type
Why it denied Maine applicants
Where in Maine
Counties with the most Empeople Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cumberland County | 246 | 144 | 73 | 29.7% |
| York County | 99 | 47 | 38 | 38.4% |
| Penobscot County | 72 | 33 | 29 | 40.3% |
| Androscoggin County | 15 | 5 | 8 | 53.3% |
| Oxford County | 13 | 5 | 5 | 38.5% |
| Kennebec County | 12 | 7 | 1 | 8.3% |
| Sagadahoc County | 7 | 5 | 1 | 14.3% |
| Hancock County | 6 | 2 | 3 | 50.0% |
| Waldo County | 5 | 2 | 3 | 60.0% |
| Aroostook County | 3 | 2 | 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: 485 applications in 2025, of which 257 were originated and 162 denied.
33.4% of all applications, or 38.5% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
The median rate on loans Empeople Credit Union originated in Maine in 2025 was 6.49%, against a statewide median of 6.88%.
About this data. Figures are Empeople 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