SEBASTICOOK VALLEY Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
92nd1.4% deniedProcesswithdrawn + incomplete share, weight 15%
95th0.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 135 | 128 | 2.2% | 2.3% | — | $14M |
| 2024 | 154 | 148 | 1.3% | 1.3% | — | $15M |
| 2025 | 141 | 139 | 1.4% | 1.4% | — | $19M |
What SEBASTICOOK VALLEY Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 31 manufactured homes, 3 investment properties.
Who gets approved at SEBASTICOOK VALLEY Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 22 | 21 | 4.6% |
| $50k – $100k | 53 | 52 | 1.9% |
| $100k – $150k | 40 | 40 | 0.0% |
| $150k – $250k | 23 | 23 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 26 | 26 | 0.0% |
| 35–44 | 29 | 29 | 0.0% |
| 45–54 | 38 | 37 | 2.6% |
| 55–64 | 25 | 25 | 0.0% |
Where SEBASTICOOK VALLEY Federal Credit Union lends
1 states and 7 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Maine | 141 | 139 | 1.4% | — | #77 |
Frequently asked questions
SEBASTICOOK VALLEY Federal Credit Union denied 1.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 92nd percentile of small mortgage lenders.
In 2025, 8% of its applications were for home purchases, 53% for refinancing (including cash-out), and 39% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.