Maine Savings Federal Credit Union in Maine vs the state
18.8%Denial rate+2.46 pts vs state
20.2%Decision denial rate+0.14 pts vs state
63.1%Origination rate+0.93 pts vs state
7.25%Median rate+0.38 pts vs state
0.46Rate spread (pts)+0.13 pts vs state
$96kMedian applicant income
561Loans originated
167Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 750 | 500 | 19.2% | 8.13% | #16 |
| 2024 | 856 | 505 | 24.3% | 8.25% | #14 |
| 2025 | 889 | 561 | 18.8% | 7.25% | #14 |
What Maine Savings 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 Savings Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Penobscot County | 477 | 321 | 71 | 14.9% |
| Hancock County | 163 | 100 | 38 | 23.3% |
| Waldo County | 63 | 36 | 13 | 20.6% |
| Kennebec County | 39 | 22 | 11 | 28.2% |
| Piscataquis County | 37 | 25 | 6 | 16.2% |
| Cumberland County | 36 | 19 | 9 | 25.0% |
| Washington County | 23 | 10 | 9 | 39.1% |
| Somerset County | 13 | 6 | 3 | 23.1% |
| York County | 11 | 6 | 5 | 45.5% |
| Androscoggin County | 10 | 5 | 1 | 10.0% |
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: 889 applications in 2025, of which 561 were originated and 167 denied.
18.8% of all applications, or 20.2% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
The median rate on loans Maine Savings Federal Credit Union originated in Maine in 2025 was 7.25%, against a statewide median of 6.88%.
About this data. Figures are Maine Savings 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