University Credit Union
University Credit Union received 301 applications in 2025 and made 194 mortgages, in 16 counties across 1 state. The median rate its borrowers got was 6.875% on a median loan of $115,000. Of 232 decisions, 35 were denials — 15.1%, most often for credit history.
| Legal Entity Identifier | 254900QH6Q6RHDLHEC77 |
|---|---|
| Applications received | 301 |
| Mortgages made | 194 |
| Denied | 35 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 69 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.6335 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 | 73 | 7.000% | $215,000 | 11.8% |
| Refinancing | 90 | 6.750% | $75,000 | 2.2% |
| Cash-out refinancing | 11 | 7.500% | $115,000 | 66.7% |
| Other purposes | 20 | 6.500% | $55,000 | 4.6% |
Where University Credit Union lends most
The 16 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 | 73 | 6.875% | 10.8% |
| Cumberland County, ME | 40 | 6.625% | 11.1% |
| Franklin County, ME | 15 | 6.875% | 19.1% |
| York County, ME | 14 | 6.938% | 22.2% |
| Kennebec County, ME | 11 | 7.000% | 0.0% |
| Hancock County, ME | 9 | Under 10 loans | 0.0% |
| Waldo County, ME | 9 | Under 10 loans | 18.2% |
| Lincoln County, ME | 6 | Under 10 loans | 0.0% |
| Aroostook County, ME | 4 | Under 10 loans | 50.0% |
| Androscoggin County, ME | 3 | Under 10 loans | 50.0% |
| Piscataquis County, ME | 3 | Under 10 loans | 25.0% |
| Somerset County, ME | 3 | Under 10 loans | 0.0% |
| Knox County, ME | 1 | Under 10 loans | 0.0% |
| Oxford County, ME | 1 | Under 10 loans | 66.7% |
| Sagadahoc County, ME | 1 | Under 10 loans | 0.0% |
| Washington County, ME | 1 | Under 10 loans | 50.0% |
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When University 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.