Evergreen Credit Union mortgage approval rate & lending review
Evergreen Credit Union decided 985 mortgage applications and funded 786 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Evergreen Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Evergreen Credit Union at a glance
Approval is 11.1 points above the 69.6% 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 | 88% | 106 / 121 | 100% | $375K | 106 |
| Home improvement loans | 81% | 367 / 453 | 98% | $55K | 359 |
| Cash-out refinance | 83% | 193 / 232 | 99% | $65K | 192 |
| Refinance | 59% | 70 / 118 | 100% | $185K | 70 |
| Investment property purchase | 96% | 26 / 27 | 100% | $355K | 26 |
Evergreen Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Maine | 81% | $65K | 983 | 784 |
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 Evergreen Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Cumberland County, ME | Home improvement loans | 81% | 372 | 295 |
| Cumberland County, ME | Cash-out refinance | 86% | 204 | 174 |
| Cumberland County, ME | Refinance | 66% | 97 | 64 |
| Cumberland County, ME | Mortgage lenders | 85% | 66 | 56 |
| York County, ME | Home improvement loans | 77% | 62 | 47 |
| York County, ME | Mortgage lenders | 88% | 33 | 29 |
| York County, ME | Cash-out refinance | 70% | 23 | 16 |
The county markets where Evergreen Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Evergreen Credit Union
What is Evergreen Credit Union's mortgage approval rate?
Evergreen Credit Union approved 80.7% of the 985 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.1 points above the 69.6% national rate for the same mix of loan types.
How often do borrowers take the loan Evergreen Credit Union offers?
Borrowers accepted 99% of the loans Evergreen 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 Evergreen Credit Union make?
The typical home improvement loan loan Evergreen Credit Union made was $55K; across all loan types its typical loan ran from $55K to $375K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Evergreen Credit Union lend?
Evergreen Credit Union decided applications in 2 of the states Fat Boy Data covers, most of them in Maine and New Hampshire.
Can I apply to Evergreen Credit Union directly?
Yes. Evergreen Credit Union is a bank or credit union with 7 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Evergreen 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 Evergreen Credit Union treats applications, then get a rate quote from the lender.