Town & Country Federal Credit Union mortgage approval rate & lending review
Town & Country Federal Credit Union decided 1,900 mortgage applications and funded 1,507 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Town & Country Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Town & Country Federal Credit Union at a glance
Approval is 15.3 points above the 68.7% 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 | 91% | 243 / 267 | 93% | $345K | 227 |
| Home improvement loans | 81% | 706 / 875 | 94% | $65K | 664 |
| Cash-out refinance | 86% | 495 / 574 | 97% | $105K | 480 |
| Refinance | 95% | 61 / 64 | 92% | $95K | 56 |
| Investment property purchase | 79% | 34 / 43 | 88% | $375K | 30 |
| Investment home improvement | 73% | 40 / 55 | 92% | $105K | 37 |
Town & Country Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Maine | 84% | $105K | 1,899 | 1,507 |
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 Town & Country Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Cumberland County, ME | Home improvement loans | 86% | 554 | 446 |
| Cumberland County, ME | Cash-out refinance | 85% | 371 | 307 |
| York County, ME | Home improvement loans | 73% | 279 | 193 |
| York County, ME | Cash-out refinance | 88% | 187 | 158 |
| Cumberland County, ME | Mortgage lenders | 91% | 166 | 140 |
| York County, ME | Mortgage lenders | 88% | 74 | 61 |
| Cumberland County, ME | Refinance | 98% | 41 | 37 |
| Cumberland County, ME | Investment home improvement | 73% | 37 | 27 |
| Androscoggin County, ME | Home improvement loans | 71% | 31 | 19 |
| Cumberland County, ME | Investment property purchase | 92% | 24 | 19 |
| York County, ME | Refinance | 90% | 21 | 17 |
The county markets where Town & Country Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Town & Country Federal Credit Union
What is Town & Country Federal Credit Union's mortgage approval rate?
Town & Country Federal Credit Union approved 83.9% of the 1,900 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 15.3 points above the 68.7% national rate for the same mix of loan types.
How often do borrowers take the loan Town & Country Federal Credit Union offers?
Borrowers accepted 94% of the loans Town & Country 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 Town & Country Federal Credit Union make?
The typical home improvement loan loan Town & Country Federal Credit Union made was $65K; across all loan types its typical loan ran from $65K to $375K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Town & Country Federal Credit Union lend?
Town & Country Federal 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 Town & Country Federal Credit Union directly?
Yes. Town & Country Federal 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 Town & Country 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 Town & Country Federal Credit Union treats applications, then get a rate quote from the lender.