Applications / Mortgage Analytics / Lenders / Maine / Seaboard Federal Credit Union
Bucksport, ME · Credit union · NCUA · $238 million assets · 143 loans in 2025
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143
loans originated, 2025
197
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Seaboard Federal Credit Union is a refinance lender with a sideline in manufactured homes that few credit unions its size share.
Refinances made up 85.3% of its loans. Manufactured homes took 18.9%; at the typical similar lender (credit unions making between half and twice as many loans) the share was 0.0%, and it was higher than at nearly all of them. Its typical loan was $75,000, against $105,000.
Its typical rate was 7.50%, against 6.75% at similar lenders, higher than at about four in five of them. Manufactured-home loans usually carry higher rates, which may be one reason.
Low- and moderate-income (LMI) borrowers took 33.3% of its loans, up from 27.5% in 2024. At similar lenders the share was 28.9%, and it was higher than at about three in five of them.
Its 143 loans were 6% fewer than in 2024, and it has made between 97 and 178 a year since 2018. It ranked 55 of 346 lenders in non-metro Maine and 36 of 182 in Bangor, ME, where Bangor Savings Bank leads.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Seaboard Federal Credit Union took 197 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 85.3% · Purchase 14.7%
Conventional 100.0% · of 143 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 | 143 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Bangor | 36 |
| Portland-South Portland | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300043MOZCJ4RK371 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 274874 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 54118 | 2009–2017 |
Established 1 January 1940. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: Seaboard Federal Credit Union's data.
Seaboard Federal Credit Union's data
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Seaboard 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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