# Maine Savings Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/maine-savings-federal-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Maine Savings Federal Credit Union is a credit union, headquartered in Hampden, ME, with 61 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 48% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 71% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300ZDIZM7Y1MHKG98
- **Headquarters:** Hampden, ME
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** ME
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 98%
- **Brokered/Wholesale:** 2%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 52/100
- Rating: ●●●○○ (3/5)

### Pull Through: Acceptable 🙂
- Score: 29/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.610%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,116
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 61
- **Dollar Volume:** $18 million
- **Applications Received:** 101
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $288,279
- **Average Borrower Income:** $164,607
- **Average Property Value:** $397,951

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 43/100 | 59 | +0.591% | $1,112 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 50 loans, Score: 43/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 42/100 | 52 | $17M | +0.527% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| ME | 61 | 0.40% | 70/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 29 | 45/100 |
| Bangor, ME | ME | 28 | 68/100 |

## Where This Lender Ranks

Maine Savings Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Bangor, ME for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/bangor-me/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Maine for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/maine/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#9** in Maine Credit Unions
  - [View Full Rankings](https://saferate.com/maine/best-mortgage-lenders/credit-unions)
- 🏆 **#14** in Bangor, ME
  - [View Full Rankings](https://saferate.com/bangor-me/best-mortgage-lenders)
- 🏆 **#16** in Bangor, ME for Conventional Loans
  - [View Full Rankings](https://saferate.com/bangor-me/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Maine Savings Federal Credit Union offer?

Maine Savings Federal Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Maine Savings Federal Credit Union offer mortgages?

Maine Savings Federal Credit Union offers mortgages in 1 states: ME.

### How competitive are Maine Savings Federal Credit Union's mortgage rates?

Maine Savings Federal Credit Union has a pricing score of 52/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.610% above market average.

### What type of lender is Maine Savings Federal Credit Union?

Maine Savings Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Hampden, ME.

### What is Maine Savings Federal Credit Union's loan approval success rate?

Maine Savings Federal Credit Union has a pull-through score of 29/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/maine-savings-federal-credit-union

### How to Cite

> "Maine Savings Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/maine-savings-federal-credit-union

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