Maine Highlands Federal Credit Union in Maine vs the state
3.5%Denial rate-12.80 pts vs state
3.6%Decision denial rate-16.51 pts vs state
95.3%Origination rate+33.12 pts vs state
6.75%Median rate-0.13 pts vs state
0.80Rate spread (pts)+0.47 pts vs state
$70kMedian applicant income
81Loans originated
3Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 45 | 41 | 8.9% | 8.13% | #116 |
| 2024 | 46 | 38 | 13.0% | 7.63% | #120 |
| 2025 | 85 | 81 | 3.5% | 6.75% | #98 |
What Maine Highlands Federal Credit Union lends in Maine
By loan purpose
By loan type
Why it denied Maine applicants
Where in Maine
Counties with the most Maine Highlands Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Piscataquis County | 41 | 39 | 2 | 4.9% |
| Penobscot County | 30 | 29 | 1 | 3.3% |
| Somerset County | 8 | 8 | 0 | 0.0% |
| Androscoggin County | 1 | 1 | 0 | 0.0% |
| Waldo County | 1 | 1 | 0 | 0.0% |
| Hancock County | 1 | 1 | 0 | 0.0% |
| Aroostook 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: 85 applications in 2025, of which 81 were originated and 3 denied.
3.5% of all applications, or 3.6% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
The median rate on loans Maine Highlands Federal Credit Union originated in Maine in 2025 was 6.75%, against a statewide median of 6.88%.
About this data. Figures are Maine Highlands 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