Lenders › Lighthouse Federal Credit Union › Maine
Lighthouse Federal 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, Lighthouse Federal Credit Union reported 703 applications and 387 originations for 2024, $63m in all.
Its denial rate in the state was 35.1%, above the Maine rate of 20.9% across all lenders and compared with the lender's national rate of 36.0%.
The median rate spread on its Maine originations was 0.5 percentage points (state median 0.4).
Applications in the state were up 12% on 2023.
Compared with the state and the lender's national record
| Measure | In Maine | Maine, all lenders | Lighthouse Federal Credit Union, all states | United States |
|---|---|---|---|---|
| Denial rate | 35.1% | 20.9% | 36.0% | 24.3% |
| Median rate spread, pp | 0.5 | 0.4 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 15.0% | 16.1% | 14.4% | 15.6% |
| Average originated loan | $164k | $263k | $138k | $329k |
| Home purchase share | 20.2% | 49.0% | 15.4% | 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 20% (78)Home improvement 45% (173)Refinancing 3% (13)Cash-out refinancing 14% (54)Other purpose 18% (69)
By type
Conventional 100% (387)
Denial reasons as coded
Share of 230 denials in Maine by first denial reason coded (outlined bar: all lenders in the state).
Counties in Maine
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| York County | 522 | 288 | $42m | 33.6% |
| Cumberland County | 91 | 53 | $11m | 37.4% |
| Oxford County | 36 | 18 | $3.7m | 47.1% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Lighthouse Federal Credit Union originate in Maine in 2024?
387 loans totalling $63m, from 703 applications reported for properties in Maine.
What is Lighthouse Federal Credit Union's denial rate in Maine?
35.1% of decided applications in Maine were denied, against 20.9% for all lenders in the state and 36.0% 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 Lighthouse Federal Credit Union lend in most?
By originations: York County (288), Cumberland County (53), Oxford County (18).
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 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.