Service Federal Credit Union in Maine vs the state
23.2%Denial rate+6.82 pts vs state
26.3%Decision denial rate+6.18 pts vs state
62.1%Origination rate-0.10 pts vs state
6.49%Median rate-0.38 pts vs state
-0.69Rate spread (pts)-1.01 pts vs state
$124kMedian applicant income
126Loans originated
47Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 244 | 130 | 31.6% | 6.00% | #54 |
| 2024 | 245 | 129 | 27.8% | 6.49% | #57 |
| 2025 | 203 | 126 | 23.2% | 6.49% | #70 |
What Service Federal Credit Union lends in Maine
By loan purpose
By loan type
Why it denied Maine applicants
Where in Maine
Counties with the most Service Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| York County | 155 | 101 | 34 | 21.9% |
| Cumberland County | 11 | 8 | 2 | 18.2% |
| Kennebec County | 8 | 4 | 0 | 0.0% |
| Somerset County | 4 | 4 | 0 | 0.0% |
| Lincoln County | 4 | 1 | 1 | 25.0% |
| Oxford County | 4 | 3 | 1 | 25.0% |
| Waldo County | 3 | 2 | 1 | 33.3% |
| Aroostook County | 3 | 0 | 2 | 66.7% |
| Penobscot County | 3 | 1 | 1 | 33.3% |
| Franklin County | 3 | 1 | 2 | 66.7% |
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: 203 applications in 2025, of which 126 were originated and 47 denied.
23.2% of all applications, or 26.3% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
The median rate on loans Service Federal Credit Union originated in Maine in 2025 was 6.49%, against a statewide median of 6.88%.
About this data. Figures are Service 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