EVERGREEN CREDIT UNION
EVERGREEN CREDIT UNION received 978 applications in 2025 and made 544 mortgages, in 17 counties across 2 states. The median rate its borrowers got was 6.500% on a median loan of $105,000. Of 851 decisions, 299 were denials — 35.1%, most often for debt-to-income ratio. 220 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 54930064FQE21RHEG647 |
|---|---|
| Applications received | 978 |
| Mortgages made | 544 |
| Denied | 299 |
| Approved, not taken up | 8 |
| Withdrawn or incomplete | 127 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.79 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 83 | 6.250% | $365,000 | 11.7% |
| Refinancing | 38 | 6.250% | $205,000 | 38.7% |
| Cash-out refinancing | 117 | 6.500% | $105,000 | 25.3% |
| Other purposes | 306 | 6.500% | $65,000 | 41.7% |
Where EVERGREEN CREDIT UNION lends most
The 17 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Cumberland County, ME | 409 | 6.500% | 17.4% |
| York County, ME | 70 | 6.500% | 26.5% |
| Oxford County, ME | 20 | 6.500% | 34.4% |
| Androscoggin County, ME | 17 | 6.500% | 10.5% |
| Sagadahoc County, ME | 8 | Under 10 loans | 33.3% |
| Franklin County, ME | 4 | Under 10 loans | 0.0% |
| Kennebec County, ME | 4 | Under 10 loans | 33.3% |
| Knox County, ME | 2 | Under 10 loans | 0.0% |
| Lincoln County, ME | 2 | Under 10 loans | 0.0% |
| Penobscot County, ME | 2 | Under 10 loans | 33.3% |
| Aroostook County, ME | 1 | Under 10 loans | 0.0% |
| Somerset County, ME | 1 | Under 10 loans | 0.0% |
| Waldo County, ME | 1 | Under 10 loans | 0.0% |
| Washington County, ME | 1 | Under 10 loans | 0.0% |
| Rockingham County, NH | 1 | Under 10 loans | 0.0% |
| Hancock County, ME | 0 | Under 10 loans | Not published |
| Piscataquis County, ME | 0 | Under 10 loans | Not published |
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When EVERGREEN CREDIT UNION’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.