Maine State Credit Union in Maine vs the state
22.0%Denial rate+5.69 pts vs state
23.9%Decision denial rate+3.83 pts vs state
69.2%Origination rate+6.98 pts vs state
—Median rate
—Rate spread (pts)
$102kMedian applicant income
446Loans originated
142Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 118 | 67 | 14.4% | — | #82 |
| 2024 | 453 | 311 | 18.5% | — | #30 |
| 2025 | 645 | 446 | 22.0% | — | #24 |
What Maine State Credit Union lends in Maine
By loan purpose
By loan type
Where in Maine
Counties with the most Maine State Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kennebec County | 314 | 232 | 59 | 18.8% |
| Cumberland County | 59 | 42 | 10 | 16.9% |
| Knox County | 59 | 34 | 17 | 28.8% |
| Somerset County | 41 | 29 | 9 | 22.0% |
| Waldo County | 36 | 21 | 11 | 30.6% |
| Lincoln County | 33 | 19 | 12 | 36.4% |
| Androscoggin County | 24 | 17 | 7 | 29.2% |
| Sagadahoc County | 19 | 13 | 3 | 15.8% |
| York County | 17 | 14 | 3 | 17.6% |
| Penobscot County | 17 | 8 | 7 | 41.2% |
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: 645 applications in 2025, of which 446 were originated and 142 denied.
22.0% of all applications, or 23.9% 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 Maine State 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