TRUCHOICE FEDERAL CREDIT UNION
TRUCHOICE FEDERAL CREDIT UNION received 308 applications in 2025 and made 220 mortgages, in 11 counties across 1 state. The median rate its borrowers got was 7.500% on a median loan of $75,000. Of 248 decisions, 22 were denials — 8.9%, most often for debt-to-income ratio. 36 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300LGD38SS4PVFC71 |
|---|---|
| Applications received | 308 |
| Mortgages made | 220 |
| Denied | 22 |
| Approved, not taken up | 6 |
| Withdrawn or incomplete | 60 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.055 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 | 24 | 7.188% | $235,000 | 7.1% |
| Refinancing | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 187 | 7.500% | $65,000 | 9.5% |
Where TRUCHOICE FEDERAL CREDIT UNION lends most
The 11 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Cumberland County, ME | 110 | 7.500% | 3.5% |
| York County, ME | 85 | 7.625% | 6.4% |
| Androscoggin County, ME | 7 | Under 10 loans | 0.0% |
| Oxford County, ME | 6 | Under 10 loans | 0.0% |
| Aroostook County, ME | 3 | Under 10 loans | 0.0% |
| Franklin County, ME | 3 | Under 10 loans | 0.0% |
| Kennebec County, ME | 2 | Under 10 loans | 0.0% |
| Sagadahoc County, ME | 2 | Under 10 loans | 0.0% |
| Somerset County, ME | 1 | Under 10 loans | 0.0% |
| Waldo County, ME | 1 | Under 10 loans | 0.0% |
| Lincoln County, ME | 0 | Under 10 loans | 100.0% |
Get told when this changes
When TRUCHOICE FEDERAL CREDIT UNION’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.