Applications / Mortgage Analytics / Lenders / Maine / Cumberland County Federal Credit Union
Falmouth, ME · Credit union · NCUA · $480 million assets · 230 loans in 2025
Cumberland County Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
230
loans originated, 2025
310
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cumberland County Federal Credit Union, which makes few home-purchase loans, grew by a third in 2025 and gained share in Portland-South Portland, ME.
It made 230 loans, up 34% from 172, a faster rise than at nearly four in five similar lenders (credit unions making between half and twice as many loans). Their typical rise was 6%. Its dollar volume rose to $32.3 million from $17.6 million.
In Portland-South Portland, ME it ranks 49 of 364 lenders, with 0.5% of lending, up from 0.3%. United Wholesale Mortgage and Bangor Savings Bank lead the market. In Lewiston-Auburn, ME its share held at 0.3%.
Other purposes made up 37.0% of its loans, refinances 28.3% and home improvement 19.6%. Purchases were only 14.8%. Its typical loan, $85,000, was smaller than at about three-quarters of similar lenders, which may reflect that mix.
Borrowers with low or moderate incomes took 36.2% of its loans, against 27.7% at similar lenders. Only 0.9% of its loans were higher-priced (a rate well above the average for similar loans), against 2.0% at similar lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Cumberland County Federal Credit Union took 310 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 37.0% · Refinance 28.3% · Home improvement 19.6% · Purchase 14.8% · Not applicable 0.4%
Conventional 100.0% · of 230 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 | 230 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Portland-South Portland | 199 |
| Lewiston-Auburn | 14 |
| Bangor | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300U3NIUGN9OO4407 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 50180 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 59500 | 1993–2017 |
Established 1 January 1954. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Cumberland County Federal Credit Union's data.
Cumberland County Federal Credit Union's data
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Cumberland County 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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