Third in Bangor, share edging up
Its share in Bangor rose 0.4 points to 5.2%, behind Bangor Savings Bank and United Wholesale Mortgage, which rank first and second. It has lent there since 1991. It ranked 21 of 346 lenders in non-metro Maine.
Applications / Mortgage Analytics / Lenders / Maine / Maine Savings Federal Credit Union
Maine Savings Federal Credit Union
Hampden, ME · Credit union · NCUA · $846 million assets · 564 loans in 2025
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564
loans originated, 2025
895
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Maine Savings Federal Credit Union is a Maine credit union whose lending is spread across home improvement, refinance, purchase and other loans, with many manufactured homes, and it ranked 3 of 182 lenders in Bangor in 2025.
A home-improvement and manufactured-home lender
Home-improvement loans were 28.5% of its lending and other-purpose loans 20.7%, with purchase at 25.0%. Manufactured homes were 12.9% of its loans, against 0.3% at similar lenders (credit unions making between half and twice as many loans), higher than nearly all of them. Its typical loan, $105,000, matched theirs.
Higher-priced loans follow that mix
Higher-priced loans (a rate well above the average for similar loans) were 17.3% of its lending, against 1.7%, down from 24.1% in 2024. Manufactured-home loans and home-improvement and other-purpose loans, which together make up most of its lending, are often priced this way and could account for most of the difference.
Growing faster than the typical peer
Originations rose 11% to 564, against 6% at similar lenders and 10% for the whole market. It made 544 loans in 2020, so its volume has held steady over five years.
Questions the data can answer next
- How does its pricing on manufactured-home loans compare with other lenders in Bangor?
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
564 loans in 2025, its most in any year since 2018.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Maine Savings Federal Credit Union took 895 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
28.5% of its 2025 loans were home improvement loans; 100.0% were Conventional.
Home improvement 28.5% · Refinance 25.7% · Purchase 25.0% · Other 20.7%
Conventional 100.0% · of 564 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
2 states, 6 metros, 19 counties
| State | Loans | Share |
|---|---|---|
| Maine | 561 | 99.5% |
| Florida | 3 | 0.5% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Bangor | 321 |
| Portland-South Portland | 26 |
| Lewiston-Auburn | 5 |
| Cape Coral-Fort Myers | 1 |
| Orlando-Kissimmee-Sanford | 1 |
| St. Petersburg-Clearwater-Largo | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ZDIZM7Y1MHKG98 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 18788 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 514565 | 1991–2017 |
Established 1 January 1961. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Maine Savings Federal Credit Union's data.
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