# SACO VALLEY CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/saco-valley-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


SACO VALLEY CREDIT UNION is a credit union, headquartered in Saco, ME, serving borrowers across 2 states, with 35 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 44% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 57% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900PZD34K8KYJD223
- **Headquarters:** Saco, ME
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** FL, ME
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 56/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 43/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.251%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $775
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 35
- **Dollar Volume:** $9 million
- **Applications Received:** 39
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $260,429
- **Average Borrower Income:** $132,429
- **Average Property Value:** $481,857

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 28/100 | 35 | +0.251% | $775 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Refinance: 27 loans, Score: 47/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Refinance | 46/100 | 27 | $6M | +0.301% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| ME | 34 | 0.22% | 64/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Portland | ME | 32 | 68/100 |

## Where This Lender Ranks

SACO VALLEY CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#5** in Portland for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#6** in Maine for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/maine/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#6** in Portland Credit Unions
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/credit-unions)
- 🏆 **#7** in Maine Credit Unions
  - [View Full Rankings](https://saferate.com/maine/best-mortgage-lenders/credit-unions)

## Frequently Asked Questions

### What loan types does SACO VALLEY CREDIT UNION offer?

SACO VALLEY 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 SACO VALLEY CREDIT UNION offer mortgages?

SACO VALLEY CREDIT UNION offers mortgages in 2 states: FL, ME.

### How competitive are SACO VALLEY CREDIT UNION's mortgage rates?

SACO VALLEY CREDIT UNION has a pricing score of 56/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.251% above market average.

### What type of lender is SACO VALLEY CREDIT UNION?

SACO VALLEY CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Saco, ME.

### What is SACO VALLEY CREDIT UNION's loan approval success rate?

SACO VALLEY CREDIT UNION has a pull-through score of 43/100 (Sound). 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/saco-valley-credit-union

### How to Cite

> "SACO VALLEY CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/saco-valley-credit-union

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