Applications / Mortgage Analytics / Lenders / Maine / Dirigo Federal Credit Union
Lewiston, ME · Credit union · NCUA · $473 million assets · 240 loans in 2025
Dirigo Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
240
loans originated, 2025
349
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Dirigo Federal Credit Union, a Maine lender, finances manufactured homes far more than other credit unions its size, and ranks 11 of 166 lenders in Lewiston-Auburn.
Manufactured homes made up 27.5% of its loans, against 0.2% at similar lenders (credit unions making between half and twice as many loans), higher than at nearly all of them. Its purposes were evenly spread: home improvement 33.8%, purchases 31.7%, refinances 21.3% and other purposes 13.3%. All were conventional.
Low- and moderate-income (LMI) borrowers took 35.6% of its loans, against 27.8% at similar lenders, higher than at about seven in ten. Poorer neighborhoods (LMI tracts) took 14.6%, near the middle. It made no loans in majority-minority areas, against 11.8% at peers, which may reflect the areas it serves, all in Maine.
It has lent in Lewiston-Auburn since at least 1990. Its share there slipped to 2.1% from 2.3%; Guild Mortgage Company leads. Its originations rose 3% while the whole market grew 10%, which is one possible reason.
It made 240 loans in 2025, up from 232 in 2024 and 165 in 2023, though below the 367 of 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Dirigo Federal Credit Union took 349 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 33.8% · Purchase 31.7% · Refinance 21.3% · Other 13.3%
Conventional 100.0% · of 240 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 | 240 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lewiston-Auburn | 136 |
| Portland-South Portland | 28 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001JAQD8VVV8SM40 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 643582 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 511144 | 1990–2017 |
Established 1 January 1956. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Dirigo Federal Credit Union's data.
Dirigo Federal Credit Union's data
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Dirigo 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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