MAINE HIGHLANDS FEDERAL CREDIT UNION
MAINE HIGHLANDS FEDERAL CREDIT UNION received 85 applications in 2025 and made 81 mortgages, in 8 counties across 1 state. The median rate its borrowers got was 6.750% on a median loan of $155,000. Of 84 decisions, 3 were denials — 3.6%, most often for collateral. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300ZY55MYW2FNSA48 |
|---|---|
| Applications received | 85 |
| Mortgages made | 81 |
| Denied | 3 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 1 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.8 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 | 52 | 6.750% | $165,000 | 3.7% |
| Refinancing | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 16 | 6.875% | $155,000 | 0.0% |
| Other purposes | 7 | Under 10 loans | Under 10 loans | 12.5% |
Where MAINE HIGHLANDS FEDERAL CREDIT UNION lends most
The 8 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Piscataquis County, ME | 39 | 6.875% | 4.9% |
| Penobscot County, ME | 29 | 6.750% | 3.3% |
| Somerset County, ME | 8 | Under 10 loans | 0.0% |
| Androscoggin County, ME | 1 | Under 10 loans | 0.0% |
| Aroostook County, ME | 1 | Under 10 loans | 0.0% |
| Hancock County, ME | 1 | Under 10 loans | 0.0% |
| Waldo County, ME | 1 | Under 10 loans | 0.0% |
| Knox County, ME | 0 | Under 10 loans | Not published |
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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.