Applications / Mortgage Analytics / Lenders / Maine / Lincoln Maine Federal Credit Union
Lincoln, ME · Credit union · NCUA · $147 million assets · 68 loans in 2025
Lincoln Maine Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
68
loans originated, 2025
91
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Lincoln Maine Federal Credit Union makes 83.8% of its loans in poorer neighborhoods (low- and moderate-income, or LMI, tracts), more than any similar lender.
Similar lenders (credit unions making between half and twice as many loans) put 17.2% of their loans in LMI tracts; none matched its share. That says more about where it lends than about whom. Its share of borrowers with low or moderate incomes, 33.8%, is close to peers' 30.9%.
Refinances made up 55.9% of its 68 loans and purchases 33.8%. Manufactured homes took 17.6%, while the typical similar lender made none. All of its loans were conventional, and its typical loan, $105,000, was close to peers'.
Bangor is its largest market. It ranks 18 of 182 lenders there, with 1.2% of lending, down 0.2 points; Bangor Savings Bank leads. Its loans fell 13%, to 68 from 78, while similar lenders grew 7%. For a lender this size ten loans is a big swing, so one year says little.
It first reported in 2012 and filed no report for 2020 to 2022; those are gaps, not years without lending. Its 2025 total was above the 45 to 50 loans it made in 2018 and 2019.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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. Lincoln Maine Federal Credit Union took 91 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 55.9% · Purchase 33.8% · Home improvement 8.8% · Not applicable 1.5%
Conventional 100.0% · of 68 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 | 68 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Bangor | 59 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MINSIGQJB44L41 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 7287 | 2012–2023 |
| Respondent ID (the HMDA filer code before 2018) | 517362 | 2012–2017 |
Established 1 January 1966. Reported under HMDA 2012-2025.
Mergers, name changes, data editions and corrections: Lincoln Maine Federal Credit Union's data.
Lincoln Maine Federal Credit Union's data
$215
Lincoln Maine 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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