Maine Savings Federal Credit Union mortgage approval rate & lending review
Maine Savings Federal Credit Union decided 1,089 mortgage applications and funded 750 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Maine Savings Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Maine Savings Federal Credit Union at a glance
Approval is 8.0 points above the 72.4% 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% | 236 / 307 | 85% | $175K | 200 |
| Home improvement loans | 77% | 361 / 466 | 83% | $55K | 301 |
| Cash-out refinance | 86% | 188 / 218 | 89% | $105K | 167 |
| Refinance | 92% | 23 / 25 | 87% | $105K | 20 |
| Investment property purchase | 92% | 49 / 53 | 96% | $195K | 47 |
Maine Savings Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Maine | 80% | $105K | 1,083 | 744 |
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 Maine Savings Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Penobscot County, ME | Home improvement loans | 79% | 385 | 254 |
| Penobscot County, ME | Mortgage lenders | 76% | 242 | 160 |
| Penobscot County, ME | Cash-out refinance | 88% | 185 | 145 |
| Penobscot County, ME | Investment property purchase | 90% | 42 | 37 |
| Kennebec County, ME | Mortgage lenders | 78% | 36 | 22 |
| Cumberland County, ME | Home improvement loans | 67% | 36 | 21 |
| Kennebec County, ME | Home improvement loans | 71% | 35 | 21 |
The county markets where Maine Savings Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Maine Savings Federal Credit Union
What is Maine Savings Federal Credit Union's mortgage approval rate?
Maine Savings Federal Credit Union approved 80.3% of the 1,089 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.0 points above the 72.4% national rate for the same mix of loan types.
How often do borrowers take the loan Maine Savings Federal Credit Union offers?
Borrowers accepted 86% of the loans Maine Savings 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 Maine Savings Federal Credit Union make?
The typical home improvement loan loan Maine Savings 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 Maine Savings Federal Credit Union lend?
Maine Savings Federal Credit Union decided applications in 2 of the states Fat Boy Data covers, most of them in Maine and Florida.
Can I apply to Maine Savings Federal Credit Union directly?
Yes. Maine Savings 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 Maine Savings 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 Maine Savings Federal Credit Union treats applications, then get a rate quote from the lender.