Downeast Credit Union
Downeast Credit Union received 40 applications in 2025 and made 25 mortgages, in 7 counties across 1 state. The median rate its borrowers got was 7.000% on a median loan of $155,000. Of 38 decisions, 13 were denials — 34.2%, most often for debt-to-income ratio. 2 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 254900IHSZUFLA4J1Q14 |
|---|---|
| Applications received | 40 |
| Mortgages made | 25 |
| Denied | 13 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 2 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.682 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 | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Refinancing | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Cash-out refinancing | 10 | 7.315% | $120,000 | 41.2% |
| Other purposes | 3 | Under 10 loans | Under 10 loans | 57.1% |
Where Downeast Credit Union lends most
The 7 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Washington County, ME | 11 | 7.130% | 21.4% |
| Waldo County, ME | 8 | Under 10 loans | 38.5% |
| Penobscot County, ME | 2 | Under 10 loans | 0.0% |
| Sagadahoc County, ME | 2 | Under 10 loans | 33.3% |
| Aroostook County, ME | 1 | Under 10 loans | 0.0% |
| Kennebec County, ME | 1 | Under 10 loans | 66.7% |
| Hancock County, ME | 0 | Under 10 loans | 100.0% |
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When Downeast Credit Union’s figures are published for the next year, or restated.
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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.