SEBASTICOOK VALLEY Federal Credit Union in Maine vs the state
1.4%Denial rate-14.91 pts vs state
1.4%Decision denial rate-18.66 pts vs state
98.6%Origination rate+36.41 pts vs state
—Median rate
—Rate spread (pts)
$89kMedian applicant income
139Loans originated
2Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 135 | 128 | 2.2% | — | #78 |
| 2024 | 154 | 148 | 1.3% | — | #73 |
| 2025 | 141 | 139 | 1.4% | — | #77 |
What SEBASTICOOK VALLEY Federal Credit Union lends in Maine
By loan purpose
By loan type
Where in Maine
Counties with the most SEBASTICOOK VALLEY Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Somerset County | 63 | 63 | 0 | 0.0% |
| Penobscot County | 62 | 61 | 1 | 1.6% |
| Waldo County | 10 | 10 | 0 | 0.0% |
| Piscataquis County | 2 | 2 | 0 | 0.0% |
| Aroostook County | 1 | 1 | 0 | 0.0% |
| Cumberland County | 1 | 1 | 0 | 0.0% |
| Kennebec 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: 141 applications in 2025, of which 139 were originated and 2 denied.
1.4% of all applications, or 1.4% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are SEBASTICOOK VALLEY 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