Applications / Mortgage Analytics / Lenders / Maine / Atlantic Federal Credit Union
South Portland, ME · Credit union · NCUA · $1.1 billion assets · 396 loans in 2025
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396
loans originated, 2025
665
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Atlantic Federal Credit Union lends heavily on manufactured homes and home improvements, and more than half of its borrowers have low or moderate incomes.
Manufactured homes made up 30.3% of its loans, against 0.3% at similar lenders (credit unions making between half and twice as many loans). Home improvement was its biggest purpose, at 36.9%, ahead of purchases at 28.0%. Its typical loan was small, $75,000, against $105,000 at peers.
Low- and moderate-income (LMI) borrowers took 57.3% of its loans, against 27.3% at similar lenders, a higher share than at all or nearly all of them. Poorer neighborhoods (LMI tracts) took 25.8%, against 15.3%. It made no loans in majority-minority areas, against 11.8% at peers; the makeup of the Maine markets it serves may explain that.
Higher-priced loans (a rate well above the average for similar loans) were 39.5% of its lending, against 1.7% at peers. Its typical rate was 7.99%, against 6.99%. Manufactured-home loans are commonly priced this way, and at 30.3% of its loans they could account for most of the difference.
It ranks 38 of 364 lenders in Portland-South Portland and 35 of 166 in Lewiston-Auburn, with 0.6% of each market, unchanged from a year earlier. It has lent in both since 1991. Its loans rose 11%, against 6% at peers, but remain well below the 927 it made in 2020.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Atlantic Federal Credit Union took 665 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 36.9% · Purchase 28.0% · Refinance 24.0% · Other 11.1%
Conventional 100.0% · of 396 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 | 394 | 99.5% |
| New Hampshire | 2 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Portland-South Portland | 329 |
| Lewiston-Auburn | 32 |
| Rockingham County-Strafford County | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493009JEKX81THMLH86 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 169578 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 54281 | 1991–2017 |
Established 1 January 1941. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Atlantic Federal Credit Union's data.
Atlantic Federal Credit Union's data
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Atlantic 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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