Lenders › Empeople Credit Union › Maine
Empeople Credit Union in Maine
HMDA record for properties in Maine, calendar year 2024. National record · Maine overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Maine, Empeople Credit Union reported 427 applications and 219 originations for 2024, $34m in all.
Its denial rate in the state was 41.1%, above the Maine rate of 20.9% across all lenders and compared with the lender's national rate of 22.7%.
The median rate spread on its Maine originations was -0.8 percentage points (state median 0.4).
Applications in the state were down 21% on 2023.
Compared with the state and the lender's national record
| Measure | In Maine | Maine, all lenders | Empeople Credit Union, all states | United States |
|---|---|---|---|---|
| Denial rate | 41.1% | 20.9% | 22.7% | 24.3% |
| Median rate spread, pp | -0.8 | 0.4 | -0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 0.9% | 16.1% | 1.5% | 15.6% |
| Average originated loan | $157k | $263k | $174k | $329k |
| Home purchase share | 10.5% | 49.0% | 34.8% | 57.0% |
| FHA-insured share | 0.0% | 8.7% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 6.3% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMaine, all lenders
Loan purpose and loan type in Maine
By purpose
Home purchase 11% (23)Home improvement 22% (49)Refinancing 40% (87)Cash-out refinancing 7% (16)Other purpose 20% (44)
By type
Conventional 100% (219)
Denial reasons as coded
Share of 154 denials in Maine by first denial reason coded (outlined bar: all lenders in the state).
Counties in Maine
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Cumberland County | 241 | 125 | $20m | 42.0% |
| York County | 70 | 43 | $6.5m | 28.3% |
| Penobscot County | 48 | 21 | $2.8m | 48.8% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Empeople Credit Union originate in Maine in 2024?
219 loans totalling $34m, from 427 applications reported for properties in Maine.
What is Empeople Credit Union's denial rate in Maine?
41.1% of decided applications in Maine were denied, against 20.9% for all lenders in the state and 22.7% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Maine counties does Empeople Credit Union lend in most?
By originations: Cumberland County (125), York County (43), Penobscot County (21).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Maine. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.