Lighthouse Federal Credit Union in Maine vs the state
30.3%Denial rate+13.99 pts vs state
33.2%Decision denial rate+13.07 pts vs state
54.8%Origination rate-7.40 pts vs state
7.49%Median rate+0.62 pts vs state
0.47Rate spread (pts)+0.14 pts vs state
$111kMedian applicant income
327Loans originated
181Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 626 | 345 | 32.0% | 6.63% | #19 |
| 2024 | 703 | 387 | 32.7% | 7.50% | #18 |
| 2025 | 597 | 327 | 30.3% | 7.49% | #28 |
What Lighthouse Federal Credit Union lends in Maine
By loan purpose
By loan type
Why it denied Maine applicants
Where in Maine
Counties with the most Lighthouse Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| York County | 437 | 246 | 125 | 28.6% |
| Cumberland County | 70 | 39 | 22 | 31.4% |
| Oxford County | 42 | 21 | 14 | 33.3% |
| Androscoggin County | 12 | 5 | 6 | 50.0% |
| Kennebec County | 10 | 3 | 6 | 60.0% |
| Franklin County | 6 | 1 | 5 | 83.3% |
| Somerset County | 4 | 2 | 0 | 0.0% |
| Knox County | 3 | 2 | 1 | 33.3% |
| Washington County | 2 | 0 | 1 | 50.0% |
| Aroostook 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% |
| Evergreen Credit Union | D | 976 | 30.6% | 6.50% |
Frequently asked questions
Maine: 597 applications in 2025, of which 327 were originated and 181 denied.
30.3% of all applications, or 33.2% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
The median rate on loans Lighthouse Federal Credit Union originated in Maine in 2025 was 7.49%, against a statewide median of 6.88%.
About this data. Figures are Lighthouse 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