SACO VALLEY CREDIT UNION
SACO VALLEY CREDIT UNION received 81 applications in 2025 and made 70 mortgages, in 8 counties across 2 states. The median rate its borrowers got was 6.750% on a median loan of $120,000. Of 76 decisions, 6 were denials — 7.9%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900PZD34K8KYJD223 |
|---|---|
| Applications received | 81 |
| Mortgages made | 70 |
| Denied | 6 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 5 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.622 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 | 12 | 6.650% | $285,000 | 0.0% |
| Refinancing | 21 | 6.500% | $105,000 | 12.5% |
| Cash-out refinancing | 28 | 6.750% | $110,000 | 6.7% |
| Other purposes | 9 | Under 10 loans | Under 10 loans | 10.0% |
Where SACO VALLEY 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 |
|---|---|---|---|
| York County, ME | 55 | 6.750% | 8.3% |
| Cumberland County, ME | 6 | Under 10 loans | 14.3% |
| Lee County, FL | 2 | Under 10 loans | 0.0% |
| Aroostook County, ME | 2 | Under 10 loans | 0.0% |
| Oxford County, ME | 2 | Under 10 loans | 0.0% |
| Androscoggin County, ME | 1 | Under 10 loans | 0.0% |
| Kennebec County, ME | 1 | Under 10 loans | 0.0% |
| Somerset County, ME | 1 | Under 10 loans | 0.0% |
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When SACO VALLEY 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.