Saco Valley Credit Union in Maine vs the state
7.6%Denial rate-8.74 pts vs state
8.1%Decision denial rate-11.97 pts vs state
86.1%Origination rate+23.91 pts vs state
6.75%Median rate-0.13 pts vs state
0.68Rate spread (pts)+0.36 pts vs state
$102kMedian applicant income
68Loans originated
6Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 109 | 91 | 7.3% | 6.50% | #85 |
| 2024 | 108 | 97 | 3.7% | 7.00% | #84 |
| 2025 | 79 | 68 | 7.6% | 6.75% | #105 |
What Saco Valley Credit Union lends in Maine
By loan purpose
By loan type
Why it denied Maine applicants
Where in Maine
Counties with the most Saco Valley Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| York County | 64 | 55 | 5 | 7.8% |
| Cumberland County | 8 | 6 | 1 | 12.5% |
| Aroostook County | 2 | 2 | 0 | 0.0% |
| Oxford County | 2 | 2 | 0 | 0.0% |
| Somerset County | 1 | 1 | 0 | 0.0% |
| Kennebec County | 1 | 1 | 0 | 0.0% |
| 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: 79 applications in 2025, of which 68 were originated and 6 denied.
7.6% of all applications, or 8.1% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
The median rate on loans Saco Valley Credit Union originated in Maine in 2025 was 6.75%, against a statewide median of 6.88%.
About this data. Figures are Saco Valley 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