Applications / Mortgage Analytics / Lenders / Maine / Ancorum Credit Union
Bath, ME · Credit union · NCUA · $395 million assets · 37 loans in 2025
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37
loans originated, 2025
78
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Ancorum Credit Union, a small Maine lender, does a good part of its business in manufactured homes, which most similar credit unions do not finance at all.
Manufactured homes made up 27.0% of its 37 loans in 2025. The typical similar lender (credit unions making between half and twice as many loans) made none, and the credit union's share was higher than at nearly all of them. Its other lending was spread across purchases (45.9%), refinances (37.8%) and home improvement (13.5%).
Of its loans, 17.9% were higher-priced (a rate well above the average for similar loans), against 2.9% at peers. Loans on manufactured homes usually carry higher rates, and they could account for most of that difference. Its typical rate, 7.00%, was close to peers' 6.75%.
Low- and moderate-income borrowers took 43.3% of its loans, against 31.5% at similar lenders, more than at about four in five of them. On fewer than 40 loans, that share can move a lot from year to year: it was 59.1% in 2024.
The credit union, which has reported since 1994 and lends only in Maine, made 111 loans in 2021. It made 49 in 2023, 40 in 2024 and 37 in 2025, a fall of 8% last year while similar lenders held steady.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Ancorum Credit Union took 78 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 45.9% · Refinance 37.8% · Home improvement 13.5% · Other 2.7%
Conventional 100.0% · of 37 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 | 37 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Portland-South Portland | 12 |
| Lewiston-Auburn | 9 |
| Bangor | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001LCNCF6Z3ZQ632 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 637581 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567993 | 1994–2017 |
Established 1 January 1956. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Ancorum Credit Union's data.
Ancorum Credit Union's data
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Ancorum 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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