# TOWN & COUNTRY FEDERAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/town-country-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


TOWN & COUNTRY FEDERAL CREDIT UNION is a credit union, headquartered in Scarborough, ME, with 153 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 8% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 24% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300BKCQISE9PR4J88
- **Headquarters:** Scarborough, ME
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** ME
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 92/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 76/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.052%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $473
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 153
- **Dollar Volume:** $47 million
- **Applications Received:** 191
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $307,876
- **Average Borrower Income:** $146,438
- **Average Property Value:** $508,072

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (71%)
- ⭐ **Purchase Gold Superstar** (71%)
- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 51/100 | 151 | -0.053% | $468 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 95 loans, Score: 45/100 (Sound)
- Refinance: 56 loans, Score: 61/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 45/100 | 97 | $36M | -0.049% | Sound ☺️ |
| Refinance | 60/100 | 56 | $11M | -0.056% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| ME | 153 | 1.00% | 79/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Portland | ME | 129 | 86/100 |
| Non |  | 13 | 27/100 |

## Where This Lender Ranks

TOWN & COUNTRY FEDERAL CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Maine Credit Unions
  - [View Full Rankings](https://saferate.com/maine/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Portland Credit Unions
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Portland for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Maine for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/maine/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Portland
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders)
- 🏆 **#4** in Maine
  - [View Full Rankings](https://saferate.com/maine/best-mortgage-lenders)
- 🏆 **#4** in Portland for Conventional Loans
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/conventional-loans)
- 🏆 **#12** in Maine for Conventional Loans
  - [View Full Rankings](https://saferate.com/maine/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does TOWN & COUNTRY FEDERAL CREDIT UNION offer?

TOWN & COUNTRY 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 TOWN & COUNTRY FEDERAL CREDIT UNION offer mortgages?

TOWN & COUNTRY FEDERAL CREDIT UNION offers mortgages in 1 states: ME.

### How competitive are TOWN & COUNTRY FEDERAL CREDIT UNION's mortgage rates?

TOWN & COUNTRY FEDERAL CREDIT UNION has a pricing score of 92/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.052% below market average.

### What type of lender is TOWN & COUNTRY FEDERAL CREDIT UNION?

TOWN & COUNTRY FEDERAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Scarborough, ME.

### What is TOWN & COUNTRY FEDERAL CREDIT UNION's loan approval success rate?

TOWN & COUNTRY FEDERAL CREDIT UNION has a pull-through score of 76/100 (Strong). 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/town-country-federal-credit-union

### How to Cite

> "TOWN & COUNTRY FEDERAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/town-country-federal-credit-union

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