SEABOARD FEDERAL CREDIT UNION
SEABOARD FEDERAL CREDIT UNION received 189 applications in 2025 and made 143 mortgages, in 8 counties across 1 state. The median rate its borrowers got was 7.500% on a median loan of $75,000. Of 189 decisions, 46 were denials — 24.3%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300043MOZCJ4RK371 |
|---|---|
| Applications received | 189 |
| Mortgages made | 143 |
| Denied | 46 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 0 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.99 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 | 21 | 7.250% | $85,000 | 40.0% |
| Refinancing | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Cash-out refinancing | 117 | 7.500% | $65,000 | 20.4% |
Where SEABOARD FEDERAL CREDIT UNION lends most
The 8 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Hancock County, ME | 76 | 7.500% | 21.7% |
| Penobscot County, ME | 36 | 7.495% | 26.5% |
| Waldo County, ME | 23 | 7.500% | 28.1% |
| Washington County, ME | 3 | Under 10 loans | 25.0% |
| Cumberland County, ME | 2 | Under 10 loans | 0.0% |
| Aroostook County, ME | 1 | Under 10 loans | 0.0% |
| Knox County, ME | 1 | Under 10 loans | 50.0% |
| Piscataquis County, ME | 1 | Under 10 loans | 50.0% |
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When SEABOARD 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.