Lenders › Sebasticook Valley FCU › Maine
Sebasticook Valley FCU 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, Sebasticook Valley FCU reported 154 applications and 148 originations for 2024, $15m in all.
Its denial rate in the state was 1.3%, below the Maine rate of 20.9% across all lenders and compared with the lender's national rate of 1.3%.
Applications in the state were up 14% on 2023.
Compared with the state and the lender's national record
| Measure | In Maine | Maine, all lenders | Sebasticook Valley FCU, all states | United States |
|---|---|---|---|---|
| Denial rate | 1.3% | 20.9% | 1.3% | 24.3% |
| Median rate spread, pp | — | 0.4 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 16.1% | — | 15.6% |
| Average originated loan | $104k | $263k | $104k | $329k |
| Home purchase share | 10.1% | 49.0% | 10.1% | 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 10% (15)Home improvement 34% (50)Refinancing 15% (22)Cash-out refinancing 40% (59)Other purpose 1% (2)
By type
Conventional 100% (148)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Maine
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Somerset County | 74 | 70 | $6.5m | 1.4% |
| Penobscot County | 62 | 60 | $7.1m | 1.6% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Sebasticook Valley FCU originate in Maine in 2024?
148 loans totalling $15m, from 154 applications reported for properties in Maine.
What is Sebasticook Valley FCU's denial rate in Maine?
1.3% of decided applications in Maine were denied, against 20.9% for all lenders in the state and 1.3% 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 Sebasticook Valley FCU lend in most?
By originations: Somerset County (70), Penobscot County (60).
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.