Applications / Mortgage Analytics / Lenders / Maine / The County Federal Credit Union
Presque Isle, ME · Credit union · NCUA · $502 million assets · 185 loans in 2025
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185
loans originated, 2025
362
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The County Federal Credit Union is a Maine lender of small loans, most of them refinances, with manufactured homes making up a share of its book that similar credit unions rarely match.
Refinances made up 69.2% of its loans, purchases only 18.9% and home improvement 10.8%. Its typical loan was $65,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), smaller than about nine in ten of them. Manufactured homes took 13.0% of its loans, against almost none at the typical peer.
It made 185 loans, down 13%, while similar lenders grew 7% and the whole market 10%; its growth was lower than about four in five peers'. A book this heavy in refinancing may rise and fall with borrowers' reasons to refinance. It first reported in 2022, when it made 295 loans, the year after it merged with Penobscot County Federal Credit Union.
All of its lending is in eight Maine counties. Non-metro Maine is its largest market, where it ranks 46 of 346 lenders behind Bangor Savings Bank. In Bangor it ranks 30 of 182 and its share edged up from 0.6% to 0.7%.
Some 20.5% of its loans were in low- and moderate-income neighborhoods, against 17.0% at similar lenders. It made no loans in majority-minority neighborhoods, which may reflect its small footprint: eight counties, mostly outside metro areas.
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, 2022–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. The County Federal Credit Union took 362 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 69.2% · Purchase 18.9% · Home improvement 10.8% · Other 1.1%
Conventional 99.5% · USDA (RHS or FSA) 0.5% · of 185 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 | 185 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Bangor | 27 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900199XCNE3LN5660 | 2022–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 805586 | 2022–2023 |
Established 1 January 1956. Reported under HMDA 2022-2025.
Mergers, name changes, data editions and corrections: The County Federal Credit Union's data.
The County Federal Credit Union's data
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The County 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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