Town & Country 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 C 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%
22nd18.7% deniedPricingmedian rate spread over APOR, weight 30%
16th0.81 ptsProcesswithdrawn + incomplete share, weight 15%
67th8.1%Closing coststotal loan costs ÷ loan amount, weight 10%
98th0.32% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 827 | 579 | 13.2% | 15.3% | 7.24% | $66M |
| 2024 | 1,013 | 710 | 15.4% | 17.2% | 6.99% | $97M |
| 2025 | 937 | 648 | 17.2% | 18.7% | 7.24% | $90M |
What Town & Country 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: 430 home-equity lines, 0 reverse mortgages, 14 manufactured homes, 40 investment properties.
Why Town & Country Federal Credit Union denies applications
Primary reason reported for each of the 161 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Town & Country 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 | 99 | 51 | 36.5% |
| $50k – $100k | 302 | 203 | 20.6% |
| $100k – $150k | 231 | 159 | 17.1% |
| $150k – $250k | 217 | 167 | 13.1% |
| Over $250k | 76 | 57 | 12.2% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 96 | 62 | 23.3% |
| 35–44 | 203 | 140 | 18.0% |
| 45–54 | 224 | 157 | 19.4% |
| 55–64 | 222 | 163 | 15.9% |
| 65–74 | 134 | 90 | 17.7% |
| Over 74 | 52 | 33 | 25.5% |
Where Town & Country Federal Credit Union lends
2 states and 16 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Maine | 935 | 648 | 17.0% | 7.24% | #11 |
Frequently asked questions
Town & Country Federal Credit Union denied 18.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 22nd percentile of small mortgage lenders.
The most common reason Town & Country Federal Credit Union gave in 2025 was "debt-to-income ratio", cited on 44.7% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Town & Country Federal Credit Union originated in 2025 was 7.24%, and its median rate spread over the average prime offer rate was 0.81 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 14% of its applications were for home purchases, 30% for refinancing (including cash-out), and 56% 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.