ATLANTIC REGIONAL FEDERAL CREDIT UNION
ATLANTIC REGIONAL FEDERAL CREDIT UNION received 663 applications in 2025 and made 396 mortgages, in 20 counties across 4 states. The median rate its borrowers got was 7.990% on a median loan of $75,000. Of 514 decisions, 112 were denials — 21.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493009JEKX81THMLH86 |
|---|---|
| Applications received | 663 |
| Mortgages made | 396 |
| Denied | 112 |
| Approved, not taken up | 6 |
| Withdrawn or incomplete | 149 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.903 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 111 | 9.000% | $105,000 | 24.3% |
| Refinancing | 89 | 7.490% | $95,000 | 16.0% |
| Cash-out refinancing | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Other purposes | 190 | 7.490% | $65,000 | 22.6% |
Where ATLANTIC REGIONAL FEDERAL CREDIT UNION lends most
The 20 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| York County, ME | 219 | 7.990% | 16.8% |
| Cumberland County, ME | 77 | 7.990% | 25.0% |
| Sagadahoc County, ME | 33 | 7.490% | 19.5% |
| Androscoggin County, ME | 32 | 8.745% | 28.3% |
| Kennebec County, ME | 14 | 8.120% | 30.0% |
| Lincoln County, ME | 7 | Under 10 loans | 12.5% |
| Oxford County, ME | 7 | Under 10 loans | 12.5% |
| Waldo County, ME | 2 | Under 10 loans | 50.0% |
| Strafford County, NH | 2 | Under 10 loans | 50.0% |
| Hancock County, ME | 1 | Under 10 loans | 0.0% |
| Knox County, ME | 1 | Under 10 loans | 0.0% |
| Piscataquis County, ME | 1 | Under 10 loans | 50.0% |
| Charlotte County, FL | 0 | Under 10 loans | 100.0% |
| Citrus County, FL | 0 | Under 10 loans | Not published |
| Pasco County, FL | 0 | Under 10 loans | 100.0% |
| Franklin County, ME | 0 | Under 10 loans | 100.0% |
| Penobscot County, ME | 0 | Under 10 loans | 100.0% |
| Somerset County, ME | 0 | Under 10 loans | 100.0% |
| Coos County, NH | 0 | Under 10 loans | 100.0% |
| Union County, NJ | 0 | Under 10 loans | 100.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.