University Credit Union in Maine vs the state
11.6%Denial rate-4.70 pts vs state
15.1%Decision denial rate-4.99 pts vs state
64.5%Origination rate+2.28 pts vs state
6.88%Median rate0.00 pts vs state
0.63Rate spread (pts)+0.31 pts vs state
$100kMedian applicant income
194Loans originated
35Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 387 | 240 | 11.6% | 7.13% | #34 |
| 2024 | 349 | 197 | 11.8% | 7.50% | #44 |
| 2025 | 301 | 194 | 11.6% | 6.88% | #50 |
What University Credit Union lends in Maine
By loan purpose
By loan type
Why it denied Maine applicants
Where in Maine
Counties with the most University Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Penobscot County | 103 | 73 | 9 | 8.7% |
| Cumberland County | 58 | 40 | 5 | 8.6% |
| Franklin County | 27 | 15 | 4 | 14.8% |
| York County | 21 | 14 | 4 | 19.0% |
| Kennebec County | 20 | 11 | 0 | 0.0% |
| Waldo County | 14 | 9 | 2 | 14.3% |
| Hancock County | 13 | 9 | 0 | 0.0% |
| Aroostook County | 12 | 4 | 4 | 33.3% |
| Androscoggin County | 6 | 3 | 3 | 50.0% |
| Lincoln County | 6 | 6 | 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: 301 applications in 2025, of which 194 were originated and 35 denied.
11.6% of all applications, or 15.1% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
The median rate on loans University Credit Union originated in Maine in 2025 was 6.88%, against a statewide median of 6.88%.
About this data. Figures are University 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