# University Credit Union

> **Canonical URL:** https://saferate.com/lenders/university-credit-union-me


> **📋 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


University Credit Union is a credit union, headquartered in AUGUSTA, ME, with 79 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 59% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 74% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900QH6Q6RHDLHEC77
- **Headquarters:** AUGUSTA, ME
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** ME
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 41/100
- Rating: ●●●○○ (3/5)

### Pull Through: Acceptable 🙂
- Score: 26/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.573%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,644
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 79
- **Dollar Volume:** $20 million
- **Applications Received:** 143
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $253,481
- **Average Borrower Income:** $129,000
- **Average Property Value:** $340,641

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 44/100 | 76 | +0.602% | $1,595 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 65 loans, Score: 44/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 44/100 | 68 | $18M | +0.541% | Sound ☺️ |
| Refinance | 28/100 | 11 | $2M | +0.821% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| ME | 79 | 0.52% | 72/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 34 | 46/100 |
| Bangor, ME | ME | 25 | 65/100 |
| Portland | ME | 15 | 53/100 |

## Where This Lender Ranks

University Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Bangor, ME for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/bangor-me/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#8** in Maine Credit Unions
  - [View Full Rankings](https://saferate.com/maine/best-mortgage-lenders/credit-unions)
- 🏆 **#8** in Maine for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/maine/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#8** in Portland for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#15** in Bangor, ME
  - [View Full Rankings](https://saferate.com/bangor-me/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does University Credit Union offer?

University 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 University Credit Union offer mortgages?

University Credit Union offers mortgages in 1 states: ME.

### How competitive are University Credit Union's mortgage rates?

University Credit Union has a pricing score of 41/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.573% above market average.

### What type of lender is University Credit Union?

University Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in AUGUSTA, ME.

### What is University Credit Union's loan approval success rate?

University Credit Union has a pull-through score of 26/100 (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/university-credit-union-me

### How to Cite

> "University Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/university-credit-union-me

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