Applications / Mortgage Analytics / Lenders / Maine / University Credit Union
Orono, ME · Credit union · NCUA · $527 million assets · 194 loans in 2025
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194
loans originated, 2025
301
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
University Credit Union is a Maine credit union that mostly refinances, and its lending held at 194 loans in 2025, a third of its 2020 total of 576.
Refinances made up 52.1% of its loans and home improvement 10.3%; purchases were 37.6%. Its typical loan, $115,000, is close to the $105,000 at similar lenders (credit unions making between half and twice as many loans). Nearly all its loans were conventional.
Its loans fell 2% to 194, while similar lenders' rose 7% and the whole market 10%. That followed a steady fall from 576 in 2020 to 197 in 2024. In dollars it lent $31.2 million, close to the $28.6 million of a typical peer.
It has lent in Bangor since 1991 and ranks 16 of 182 lenders there, with 1.3% of lending, up from 1.1%. Bangor Savings Bank leads that market. In Portland it holds 0.2%, unchanged on the year. All its lending is in Maine, across 16 counties.
Low- and moderate-income (LMI) borrowers took 28.7% of its loans, against 27.9% at similar lenders. LMI neighborhoods took 17.0%, against 16.9%. Both put it near the middle of its peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. University Credit Union took 301 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 52.1% · Purchase 37.6% · Home improvement 10.3%
Conventional 96.9% · USDA (RHS or FSA) 3.1% · of 194 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 | 194 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Bangor | 73 |
| Portland-South Portland | 55 |
| Lewiston-Auburn | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900QH6Q6RHDLHEC77 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 306597 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 563133 | 1991–2017 |
Established 1 January 1967. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: University Credit Union's data.
University Credit Union's data
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University 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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