Seaboard Federal Credit Union in Maine vs the state
24.3%Denial rate+8.01 pts vs state
24.3%Decision denial rate+4.26 pts vs state
75.7%Origination rate+13.49 pts vs state
7.50%Median rate+0.63 pts vs state
0.99Rate spread (pts)+0.66 pts vs state
$84kMedian applicant income
143Loans originated
46Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 135 | 97 | 28.2% | 7.75% | #79 |
| 2024 | 186 | 152 | 18.3% | 8.00% | #68 |
| 2025 | 189 | 143 | 24.3% | 7.50% | #71 |
What Seaboard Federal Credit Union lends in Maine
By loan purpose
By loan type
Why it denied Maine applicants
Where in Maine
Counties with the most Seaboard Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hancock County | 97 | 76 | 21 | 21.6% |
| Penobscot County | 49 | 36 | 13 | 26.5% |
| Waldo County | 32 | 23 | 9 | 28.1% |
| Washington County | 4 | 3 | 1 | 25.0% |
| Knox County | 2 | 1 | 1 | 50.0% |
| Cumberland County | 2 | 2 | 0 | 0.0% |
| Piscataquis County | 2 | 1 | 1 | 50.0% |
| Aroostook 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: 189 applications in 2025, of which 143 were originated and 46 denied.
24.3% of all applications, or 24.3% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
The median rate on loans Seaboard Federal Credit Union originated in Maine in 2025 was 7.50%, against a statewide median of 6.88%.
About this data. Figures are Seaboard 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