Atlantic Regional Federal Credit Union mortgage approval rate & lending review
Atlantic Regional Federal Credit Union decided 1,274 mortgage applications and funded 996 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Atlantic Regional Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Atlantic Regional Federal Credit Union at a glance
Approval is 5.4 points above the 74.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 77% | 350 / 455 | 98% | $85K | 342 |
| Home improvement loans | 84% | 392 / 467 | 97% | $55K | 381 |
| Cash-out refinance | 78% | 124 / 159 | 98% | $65K | 121 |
| Refinance | 80% | 113 / 141 | 100% | $85K | 113 |
| Investment property purchase | 65% | 17 / 26 | 100% | $195K | 17 |
Atlantic Regional Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Maine | 80% | $65K | 1,267 | 993 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Atlantic Regional Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| York County, ME | Home improvement loans | 86% | 325 | 270 |
| York County, ME | Mortgage lenders | 78% | 177 | 137 |
| Cumberland County, ME | Mortgage lenders | 78% | 156 | 119 |
| York County, ME | Refinance | 81% | 93 | 75 |
| Cumberland County, ME | Home improvement loans | 81% | 94 | 74 |
| York County, ME | Cash-out refinance | 76% | 86 | 64 |
| Androscoggin County, ME | Mortgage lenders | 79% | 81 | 61 |
| Cumberland County, ME | Cash-out refinance | 90% | 49 | 42 |
| Cumberland County, ME | Refinance | 79% | 34 | 27 |
| Androscoggin County, ME | Home improvement loans | 75% | 36 | 26 |
| Kennebec County, ME | Mortgage lenders | 66% | 35 | 23 |
The county markets where Atlantic Regional Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Atlantic Regional Federal Credit Union
What is Atlantic Regional Federal Credit Union's mortgage approval rate?
Atlantic Regional Federal Credit Union approved 79.9% of the 1,274 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.4 points above the 74.5% national rate for the same mix of loan types.
How often do borrowers take the loan Atlantic Regional Federal Credit Union offers?
Borrowers accepted 98% of the loans Atlantic Regional Federal Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Atlantic Regional Federal Credit Union make?
The typical home improvement loan loan Atlantic Regional Federal Credit Union made was $55K; across all loan types its typical loan ran from $55K to $195K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Atlantic Regional Federal Credit Union lend?
Atlantic Regional Federal Credit Union decided applications in 3 of the states Fat Boy Data covers, most of them in Maine, New Hampshire and Florida.
Can I apply to Atlantic Regional Federal Credit Union directly?
Yes. Atlantic Regional Federal Credit Union is a bank or credit union with 12 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Atlantic Regional Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Atlantic Regional Federal Credit Union treats applications, then get a rate quote from the lender.