Evergreen Credit Union in Maine vs the state
30.6%Denial rate+14.31 pts vs state
35.2%Decision denial rate+15.10 pts vs state
55.6%Origination rate-6.53 pts vs state
6.50%Median rate-0.38 pts vs state
0.79Rate spread (pts)+0.46 pts vs state
$105kMedian applicant income
543Loans originated
299Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 516 | 314 | 21.1% | 6.50% | #22 |
| 2024 | 377 | 212 | 26.8% | 7.16% | #40 |
| 2025 | 976 | 543 | 30.6% | 6.50% | #10 |
What Evergreen Credit Union lends in Maine
By loan purpose
By loan type
Why it denied Maine applicants
Where in Maine
Counties with the most Evergreen Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cumberland County | 550 | 409 | 87 | 15.8% |
| York County | 106 | 70 | 26 | 24.5% |
| Oxford County | 39 | 20 | 11 | 28.2% |
| Androscoggin County | 19 | 17 | 2 | 10.5% |
| Sagadahoc County | 13 | 8 | 4 | 30.8% |
| Kennebec County | 9 | 4 | 2 | 22.2% |
| Franklin County | 5 | 4 | 0 | 0.0% |
| Penobscot County | 3 | 2 | 1 | 33.3% |
| Lincoln County | 2 | 2 | 0 | 0.0% |
| Waldo County | 2 | 1 | 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% |
| Town & Country Federal Credit Union | C | 935 | 17.0% | 7.24% |
Frequently asked questions
Maine: 976 applications in 2025, of which 543 were originated and 299 denied.
30.6% of all applications, or 35.2% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
The median rate on loans Evergreen Credit Union originated in Maine in 2025 was 6.50%, against a statewide median of 6.88%.
About this data. Figures are Evergreen 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