Navy Federal Credit Union in Maine vs the state
17.1%Denial rate+0.74 pts vs state
24.8%Decision denial rate+4.74 pts vs state
50.6%Origination rate-11.61 pts vs state
7.25%Median rate+0.38 pts vs state
0.42Rate spread (pts)+0.09 pts vs state
$124kMedian applicant income
314Loans originated
106Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 507 | 246 | 20.7% | 7.48% | #24 |
| 2024 | 565 | 305 | 17.4% | 7.38% | #24 |
| 2025 | 621 | 314 | 17.1% | 7.25% | #26 |
What Navy Federal Credit Union lends in Maine
By loan purpose
By loan type
Why it denied Maine applicants
Where in Maine
Counties with the most Navy Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| York County | 148 | 72 | 24 | 16.2% |
| Cumberland County | 102 | 51 | 18 | 17.6% |
| Kennebec County | 55 | 26 | 13 | 23.6% |
| Penobscot County | 54 | 33 | 8 | 14.8% |
| Androscoggin County | 38 | 20 | 7 | 18.4% |
| Aroostook County | 31 | 16 | 6 | 19.4% |
| Waldo County | 31 | 17 | 3 | 9.7% |
| Knox County | 26 | 9 | 6 | 23.1% |
| Oxford County | 25 | 13 | 4 | 16.0% |
| Lincoln County | 23 | 16 | 1 | 4.3% |
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: 621 applications in 2025, of which 314 were originated and 106 denied.
17.1% of all applications, or 24.8% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
The median rate on loans Navy Federal Credit Union originated in Maine in 2025 was 7.25%, against a statewide median of 6.88%.
About this data. Figures are Navy 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