Applications / Mortgage Analytics / Lenders / Maine / Katahdin Federal Credit Union
Millinocket, ME · Credit union · NCUA · $108 million assets · 28 loans in 2025
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28
loans originated, 2025
46
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Katahdin Federal Credit Union, a small Maine lender serving four counties, made more loans in 2025 while similar credit unions made fewer.
It made 28 loans in 2025, up from 22. That rise of 27% compares with a 3% fall at similar lenders, credit unions making between half and twice as many loans, and was faster than about four in five of them. It made 49 loans in 2022; it filed no report for 2020 or 2021, gaps in the record rather than years without lending.
It lends in four counties of Maine. In Bangor, where it has lent since 2005, it ranks 42 of 182, and its share rose from 0.3% to 0.4%. Bangor Savings Bank leads that market. In non-metro Maine it ranks 255 of 346.
Some 78.6% of its loans went to low- and moderate-income (LMI) neighborhoods, against 17.6% for similar credit unions, the highest share in the group. The year before the figure was 59.1%. Its share of LMI borrowers, 46.4%, was also higher than about four in five peers. On so few loans these shares move a lot, but the pattern held in both years, which may reflect the four counties it serves.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Katahdin Federal Credit Union took 46 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 50.0% · Refinance 50.0%
Conventional 100.0% · of 28 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 | 28 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Bangor | 24 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SJYSEN2J8N3I32 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 411286 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 59348 | 2005–2017 |
Established 1 January 1954. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: Katahdin Federal Credit Union's data.
Katahdin Federal Credit Union's data
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Katahdin 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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