Applications / Mortgage Analytics / Lenders / Maine / Downeast Credit Union
Baileyville, ME · Credit union · NCUA · $314 million assets · 25 loans in 2025
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25
loans originated, 2025
40
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Downeast Credit Union, a Maine credit union that has reported since 2007, made 25 home loans in 2025, too few to compare closely with its peers.
Its 25 loans were up from 20 the year before. Similar lenders, credit unions making between half and twice as many loans, made 30 at the middle of the group. With so few loans, a handful of borrowers can swing any share, so little can be read into its mix of loan types, neighborhoods or prices.
It made 83 loans in 2020 and 69 in 2022. Since 2023 it has made between 20 and 26 a year. Its typical rate was 3.13% in 2020 and 7.00% in 2025; higher rates may have cut demand for refinancing, which is still about half its lending. In dollars, its $3.8 million of lending matched the typical peer's.
All its lending is in Maine, across 6 counties, and it has reported since 2007. Its largest markets are non-metro Maine, where it ranks 110 of 346 lenders, and Bangor, where it ranks 109 of 182 with 0.1% of lending. Bangor Savings Bank leads both. In Portland-South Portland it ranks 345 of 364.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Downeast Credit Union took 40 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 52.0% · Purchase 36.0% · Other 12.0%
Conventional 100.0% · of 25 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 | 25 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Bangor | 2 |
| Portland-South Portland | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900IHSZUFLA4J1Q14 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 474478 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568563 | 2007–2017 |
Established 1 January 1941. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: Downeast Credit Union's data.
Downeast Credit Union's data
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Downeast 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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