Dirigo Federal Credit Union mortgage approval rate & lending review
Dirigo Federal Credit Union decided 547 mortgage applications and funded 385 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Dirigo Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Dirigo Federal Credit Union at a glance
Approval is 3.3 points above the 73.3% 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 | 78% | 141 / 180 | 85% | $105K | 120 |
| Home improvement loans | 78% | 152 / 195 | 96% | $65K | 146 |
| Cash-out refinance | 72% | 97 / 134 | 94% | $85K | 91 |
Dirigo Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Maine | 77% | $85K | 547 | 385 |
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 Dirigo Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Androscoggin County, ME | Home improvement loans | 77% | 167 | 124 |
| Androscoggin County, ME | Mortgage lenders | 80% | 123 | 84 |
| Androscoggin County, ME | Cash-out refinance | 71% | 112 | 78 |
| Cumberland County, ME | Mortgage lenders | 79% | 29 | 18 |
The county markets where Dirigo Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Dirigo Federal Credit Union
What is Dirigo Federal Credit Union's mortgage approval rate?
Dirigo Federal Credit Union approved 76.6% of the 547 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.3 points above the 73.3% national rate for the same mix of loan types.
How often do borrowers take the loan Dirigo Federal Credit Union offers?
Borrowers accepted 92% of the loans Dirigo 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 Dirigo Federal Credit Union make?
The typical home improvement loan loan Dirigo Federal Credit Union made was $65K; across all loan types its typical loan ran from $65K to $105K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Dirigo Federal Credit Union lend?
Dirigo Federal Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Maine.
Can I apply to Dirigo Federal Credit Union directly?
Yes. Dirigo Federal Credit Union is a bank or credit union with 5 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Dirigo 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 Dirigo Federal Credit Union treats applications, then get a rate quote from the lender.