Lincoln Maine Federal Credit Union in Maine vs the state
14.3%Denial rate-2.04 pts vs state
15.9%Decision denial rate-4.23 pts vs state
74.7%Origination rate+12.56 pts vs state
—Median rate
—Rate spread (pts)
$98kMedian applicant income
68Loans originated
13Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 83 | 60 | 16.9% | — | #89 |
| 2024 | 90 | 78 | 8.9% | — | #87 |
| 2025 | 91 | 68 | 14.3% | — | #93 |
What Lincoln Maine Federal Credit Union lends in Maine
By loan purpose
By loan type
Why it denied Maine applicants
Where in Maine
Counties with the most Lincoln Maine Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Penobscot County | 80 | 59 | 12 | 15.0% |
| Aroostook County | 6 | 5 | 0 | 0.0% |
| Washington County | 2 | 2 | 0 | 0.0% |
| Somerset County | 1 | 1 | 0 | 0.0% |
| Waldo County | 1 | 0 | 1 | 100.0% |
| Piscataquis County | 1 | 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: 91 applications in 2025, of which 68 were originated and 13 denied.
14.3% of all applications, or 15.9% 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 Lincoln Maine 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