Maine State Credit Union mortgage approval rate & lending review
Maine State Credit Union decided 601 mortgage applications and funded 448 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Maine State Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Maine State Credit Union at a glance
Approval is 6.4 points above the 76.5% 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 | 94% | 219 / 233 | 85% | $245K | 186 |
| Home improvement loans | 74% | 142 / 192 | 97% | $45K | 138 |
| Cash-out refinance | 68% | 30 / 44 | 73% | $95K | 22 |
| Refinance | 67% | 43 / 64 | 98% | $115K | 42 |
| Investment property purchase | 93% | 41 / 44 | 93% | $195K | 38 |
Maine State Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Maine | 83% | $195K | 599 | 448 |
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 State Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Kennebec County, ME | Mortgage lenders | 95% | 171 | 137 |
| Kennebec County, ME | Home improvement loans | 74% | 141 | 102 |
| Kennebec County, ME | Refinance | 70% | 46 | 32 |
| Cumberland County, ME | Home improvement loans | 91% | 32 | 27 |
| Kennebec County, ME | Investment property purchase | 97% | 29 | 27 |
| Kennebec County, ME | Cash-out refinance | 73% | 37 | 19 |
The county markets where Maine State Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Maine State Credit Union
What is Maine State Credit Union's mortgage approval rate?
Maine State Credit Union approved 82.9% of the 601 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.4 points above the 76.5% national rate for the same mix of loan types.
How often do borrowers take the loan Maine State Credit Union offers?
Borrowers accepted 90% of the loans Maine State Credit Union approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Maine State Credit Union make?
The typical home purchase mortgage loan Maine State Credit Union made was $245K; across all loan types its typical loan ran from $45K to $245K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Maine State Credit Union lend?
Maine State Credit Union decided applications in 3 of the states Fat Boy Data covers, most of them in Maine, Arizona and Florida.
Can I apply to Maine State Credit Union directly?
Yes. Maine State 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 Maine State 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 State Credit Union treats applications, then get a rate quote from the lender.