Applications / Mortgage Analytics / Lenders / Maine / Maine State Credit Union
Augusta, ME · Credit union · NCUA · $779 million assets · 446 loans in 2025
Maine State Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
446
loans originated, 2025
645
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Maine State Credit Union first reported in 2023 and has grown fast since, lifting its loans 43% to 446 in 2025.
Originations rose 43% to 446, against 6% for similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market. That was faster than at nearly nine in ten of them. It reported 67 loans in 2023 and 311 in 2024. It filed no report before 2023, a gap in the record rather than a sign that it made no loans.
Home purchases were 36.1% of its loans, home improvement 27.8% and other purposes 20.0%. Its typical loan, $135,000, was larger than peers' $105,000 and than at about seven in ten of them.
It lends only in Maine. Its share rose 0.3 points to 0.6% in Lewiston-Auburn, where it ranks 34 of 166, and 0.1 points in Portland-South Portland and Bangor. In non-metro Maine, its largest market, it ranks 12 of 346; Bangor Savings Bank leads there.
Low- and moderate-income (LMI) borrowers took 19.7% of its loans, against 27.5% at similar lenders, and LMI areas 11.7%, against 15.4%. Both are lower than at about four in five peers. Its focus on non-metro Maine and its loan mix may explain part of this. It made no loans in majority-minority areas, which a lender serving only Maine may simply have few of.
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, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Maine State Credit Union took 645 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 36.1% · Home improvement 27.8% · Other 20.0% · Refinance 16.1%
Conventional 100.0% · of 446 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 | 446 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Portland-South Portland | 69 |
| Lewiston-Auburn | 17 |
| Bangor | 8 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900PP57SEJJCWLI44 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 568395 | 2023–2023 |
Established 1 January 1935. Reported under HMDA 2023-2025.
Mergers, name changes, data editions and corrections: Maine State Credit Union's data.
Maine State Credit Union's data
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Maine State 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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