Maine Savings Federal Credit Union
Maine Savings Federal Credit Union received 893 applications in 2025 and made 564 mortgages, in 19 counties across 2 states. The median rate its borrowers got was 7.250% on a median loan of $105,000. Of 829 decisions, 167 were denials — 20.1%, most often for debt-to-income ratio. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300ZDIZM7Y1MHKG98 |
|---|---|
| Applications received | 893 |
| Mortgages made | 564 |
| Denied | 167 |
| Approved, not taken up | 98 |
| Withdrawn or incomplete | 64 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.437 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 | 141 | 7.500% | $175,000 | 22.5% |
| Refinancing | 13 | 7.250% | $165,000 | 9.5% |
| Cash-out refinancing | 132 | 7.250% | $120,000 | 13.3% |
| Other purposes | 278 | 7.250% | $65,000 | 22.2% |
Where Maine Savings Federal Credit Union lends most
The 19 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Penobscot County, ME | 321 | 7.375% | 16.0% |
| Hancock County, ME | 100 | 7.250% | 25.5% |
| Waldo County, ME | 36 | 7.688% | 22.4% |
| Piscataquis County, ME | 25 | 7.250% | 16.7% |
| Kennebec County, ME | 22 | 7.318% | 29.7% |
| Cumberland County, ME | 19 | 7.250% | 26.5% |
| Washington County, ME | 10 | 7.125% | 42.9% |
| Somerset County, ME | 6 | Under 10 loans | 23.1% |
| York County, ME | 6 | Under 10 loans | 45.5% |
| Androscoggin County, ME | 5 | Under 10 loans | 12.5% |
| Aroostook County, ME | 3 | Under 10 loans | 0.0% |
| Franklin County, ME | 3 | Under 10 loans | 0.0% |
| Knox County, ME | 2 | Under 10 loans | 20.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Osceola County, FL | 1 | Under 10 loans | 0.0% |
| Pinellas County, FL | 1 | Under 10 loans | 0.0% |
| Lincoln County, ME | 1 | Under 10 loans | 0.0% |
| Oxford County, ME | 1 | Under 10 loans | 0.0% |
| Sagadahoc County, ME | 1 | Under 10 loans | 0.0% |
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When Maine Savings Federal 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.