Ocean State Credit Union in Maine vs the state
40.0%Denial rate+23.67 pts vs state
44.4%Decision denial rate+24.36 pts vs state
50.0%Origination rate-12.17 pts vs state
6.75%Median rate-0.13 pts vs state
1.16Rate spread (pts)+0.83 pts vs state
$64kMedian applicant income
5Loans originated
4Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 5 | 50.0% | 6.75% | #197 |
| 2024 | 24 | 17 | 20.8% | 7.00% | #154 |
| 2025 | 10 | 5 | 40.0% | 6.75% | #221 |
What Ocean State Credit Union lends in Maine
By loan purpose
By loan type
Why it denied Maine applicants
Where in Maine
Counties with the most Ocean State Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| York County | 5 | 2 | 3 | 60.0% |
| Cumberland County | 4 | 2 | 1 | 25.0% |
| Androscoggin 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: 10 applications in 2025, of which 5 were originated and 4 denied.
40.0% of all applications, or 44.4% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
The median rate on loans Ocean State Credit Union originated in Maine in 2025 was 6.75%, against a statewide median of 6.88%.
About this data. Figures are Ocean 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