Applications / Mortgage Analytics / Lenders / Maine / Town & Country Federal Credit Union
Scarborough, ME · Credit union · NCUA · $624 million assets · 648 loans in 2025
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648
loans originated, 2025
937
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Town & Country Federal Credit Union is a southern Maine credit union lending mostly to existing homeowners, for home improvement and refinancing, with more of its loans going to low- and moderate-income borrowers than at most similar credit unions.
Home improvement made up 36.0% of its loans, refinance 31.6%, other purposes 18.8% and home purchase 13.6%. Every loan was conventional. Its typical loan, $105,000, is the same as at similar lenders (credit unions making between half and twice as many loans).
Low- and moderate-income (LMI) borrowers took 35.9% of its loans, against 26.9% at similar lenders, more than about five in six of them. LMI areas took 18.1%, against 15.1%. It made no loans in majority-minority areas, against 10.9% at similar lenders; one possible reason is that its 15 Maine counties, around Portland, Lewiston-Auburn and Bangor, may hold few or none.
Originations fell 9% to 648 while similar lenders rose 6%, lower than about four in five of them. The 2024 count of 710 was the highest since 2018, and 2025 is the second highest in that time, well above the 490 of five years before.
In Portland-South Portland it ranks 16 of 364 lenders with 1.4% of the market, a market where United Wholesale Mortgage and Bangor Savings Bank lead. It has lent there since before 1990. Its share was 1.9% a year earlier, a change that may reflect its smaller count of loans in 2025.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Town & Country Federal Credit Union took 937 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 36.0% · Refinance 31.6% · Other 18.8% · Purchase 13.6%
Conventional 100.0% · of 648 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 | 648 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Portland-South Portland | 588 |
| Lewiston-Auburn | 25 |
| Bangor | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BKCQISE9PR4J88 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 233086 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 58486 | 1990–2017 |
Established 1 January 1953. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Town & Country Federal Credit Union's data.
Town & Country Federal Credit Union's data
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Town & Country Federal 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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