Applications / Mortgage Analytics / Lenders / Maine / Evergreen Credit Union
Portland, ME · Credit union · NCUA · $627 million assets · 544 loans in 2025
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544
loans originated, 2025
978
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Evergreen Credit Union is a Maine credit union focused on home-improvement loans, whose originations rose 155% in 2025, to 544 from 213.
Originations rose 155%, against 6% for the typical similar lender (credit unions making between half and twice as many loans) and 10% for the whole market, faster than nearly all peers. Its dollar volume rose to $79.9 million from $30.8 million. Its earlier high since 2018 was 334, in 2021; the record shows no merger in 2025.
Home improvement made up 41.5% of its loans, refinances 28.5% and purchases 15.3%. All were conventional and none was jumbo (larger than the conforming limit). Its typical loan, $105,000, matched peers'.
It ranks 21 of 364 lenders in Portland-South Portland, with 1.2% of the dollars against 0.6% a year earlier, in a market led by United Wholesale Mortgage, Bangor Savings Bank and CMG Mortgage.
32.8% of its loans went to low- and moderate-income (LMI) borrowers, against 27.3% for peers, more than about seven in ten, though down from 48.6% in 2024. None was in a majority-minority tract, against 10.5% for peers; one possible reason is the population of the 15 counties where it lends.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Evergreen Credit Union took 978 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 41.5% · Refinance 28.5% · Purchase 15.3% · Other 13.6% · Not applicable 1.1%
Conventional 100.0% · of 544 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Maine | 543 | 99.8% |
| New Hampshire | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Portland-South Portland | 487 |
| Lewiston-Auburn | 18 |
| Bangor | 2 |
| Rockingham County-Strafford County | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930064FQE21RHEG647 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 365987 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568038 | 1994–2017 |
Established 1 January 1951. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Evergreen Credit Union's data.
Evergreen Credit Union's data
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Evergreen Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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