University Credit Union (Maine) mortgage approval rate & lending review
University Credit Union (Maine) decided 462 mortgage applications and funded 388 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions University Credit Union (Maine) reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
University Credit Union (Maine) at a glance
Approval is 10.1 points above the 76.0% 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 | 85% | 127 / 149 | 94% | $205K | 120 |
| Home improvement loans | 89% | 125 / 141 | 98% | $55K | 123 |
| Cash-out refinance | 52% | 17 / 33 | 100% | $65K | 17 |
| Refinance | 99% | 82 / 83 | 100% | $75K | 82 |
| Investment property purchase | 88% | 35 / 40 | 97% | $135K | 34 |
University Credit Union (Maine) lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Maine | 86% | $75K | 462 | 388 |
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 University Credit Union (Maine) lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Penobscot County, ME | Mortgage lenders | 88% | 75 | 65 |
| Penobscot County, ME | Home improvement loans | 88% | 64 | 54 |
| Cumberland County, ME | Home improvement loans | 89% | 57 | 51 |
| Penobscot County, ME | Refinance | 97% | 37 | 36 |
| Cumberland County, ME | Mortgage lenders | 87% | 39 | 30 |
| Cumberland County, ME | Refinance | 100% | 28 | 28 |
| Penobscot County, ME | Investment property purchase | 96% | 23 | 22 |
The county markets where University Credit Union (Maine) made the most loans. Each link opens that market with every lender ranked.
Questions about University Credit Union (Maine)
What is University Credit Union (Maine)'s mortgage approval rate?
University Credit Union (Maine) approved 86.1% of the 462 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.1 points above the 76.0% national rate for the same mix of loan types.
How often do borrowers take the loan University Credit Union (Maine) offers?
Borrowers accepted 97% of the loans University Credit Union (Maine) 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 University Credit Union (Maine) make?
The typical home purchase mortgage loan University Credit Union (Maine) made was $205K; across all loan types its typical loan ran from $55K to $205K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does University Credit Union (Maine) lend?
University Credit Union (Maine) decided applications in 1 of the states Fat Boy Data covers, most of them in Maine.
Can I apply to University Credit Union (Maine) directly?
Yes. University Credit Union (Maine) is a bank or credit union with 49 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show University Credit Union (Maine)'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 University Credit Union (Maine) treats applications, then get a rate quote from the lender.