A manufactured-home lender
Manufactured homes took 22.3% of its loans in 2025, a higher share than at almost every similar lender (credit unions making between half and twice as many loans); most of them made none. All its loans were conventional.
Applications / Mortgage Analytics / Lenders / Maine / Sebasticook Valley Federal Credit Union
Sebasticook Valley Federal Credit Union
Pittsfield, ME · Credit union · NCUA · $186 million assets · 139 loans in 2025
Sebasticook Valley Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
139
loans originated, 2025
141
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Sebasticook Valley Federal Credit Union, of Pittsfield, Maine, is a lender for manufactured homes and home repairs, and more of its loans go to poorer neighborhoods than at most similar credit unions.
Refinance and repair, rarely purchase
Refinances made up 52.5% of its loans and home improvement 38.8%; only 7.9% financed a purchase. Its typical loan, $95,000, was a little below the $105,000 at similar lenders, as befits a book heavy with improvement loans and manufactured homes.
Reaching poorer neighborhoods
Of its loans, 29.5% went to homes in low- and moderate-income (LMI) neighborhoods, against 17.3% at similar lenders, more than at nearly nine in ten of them. In 2020 the share was 11.2%. Borrowers with low or moderate incomes took 35.2% of its loans, against 28.9%.
A fixture in Bangor
It entered the Bangor market in 2006 and ranked 19 of 182 lenders there in 2025, with a 1.1% share, unchanged from the year before; Bangor Savings Bank led. Its loans slipped 6% to 139 while similar lenders grew 9%, but that followed a strong 2024 and remains well above the 98 loans of 2020.
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
139 loans in 2025, against a peak of 190 in 2021.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Sebasticook Valley Federal Credit Union took 141 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
52.5% of its 2025 loans were refinance loans; all were conventional loans.
Refinance 52.5% · Home improvement 38.8% · Purchase 7.9% · Other 0.7%
Conventional 100.0% · of 139 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
1 state, 2 metros, 7 counties
| State | Loans | Share |
|---|---|---|
| Maine | 139 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Bangor | 61 |
| Portland-South Portland | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300AKQUNB6HFB7W73 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 365585 | 2006–2023 |
| Respondent ID (the HMDA filer code before 2018) | 58936 | 2006–2017 |
Established 1 January 1953. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: Sebasticook Valley Federal Credit Union's data.
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Sebasticook Valley Federal Credit Union's data
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