Applications / Mortgage Analytics / Lenders / Maine / Saco Valley Credit Union
Saco, ME · Credit union · NCUA · $191 million assets · 70 loans in 2025
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70
loans originated, 2025
81
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Saco Valley Credit Union lends more to low- and moderate-income borrowers and neighborhoods than most similar lenders, though its loans fell by 29% in 2025.
Low- and moderate-income (LMI) borrowers took 43.1% of its loans, against 30.9% at similar lenders (credit unions making between half and twice as many loans), a higher share than at about four in five. Poorer neighborhoods took 34.3%, about double its peers' 17.2% and higher than at nine in ten.
Refinances make up 70.0% of its loans and purchases 17.1%. Its typical rate, 6.75%, matches its peers'. Only 1.5% of its loans were higher-priced (a rate well above the average for similar loans), against 3.3% at similar lenders.
Its loans fell 29%, to 70, a steeper fall than at more than nine in ten similar lenders. Its typical loan rose to $120,000, above its peers' $95,000. The count swings from year to year: it was 49 in 2020 and 126 in 2021.
Portland-South Portland is its largest market, where it has lent since 2004. Its share slipped from 0.4% to 0.3% as its loans fell, and it ranks 65 of 364. United Wholesale Mortgage and Bangor Savings Bank lead.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Saco Valley Credit Union took 81 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 70.0% · Purchase 17.1% · Home improvement 10.0% · Other 2.9%
Conventional 100.0% · of 70 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 | 97.1% |
| Florida | 2 | 2.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Portland-South Portland | 61 |
| Cape Coral-Fort Myers | 2 |
| Lewiston-Auburn | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900PZD34K8KYJD223 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 978770 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568324 | 2004–2017 |
Established 1 January 1947. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Saco Valley Credit Union's data.
Saco Valley Credit Union's data
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Saco Valley 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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