21st Mortgage in Maine vs the state
45.1%Denial rate+28.74 pts vs state
68.1%Decision denial rate+48.01 pts vs state
20.4%Origination rate-41.75 pts vs state
10.51%Median rate+3.64 pts vs state
4.99Rate spread (pts)+4.67 pts vs state
$65kMedian applicant income
29Loans originated
64Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 167 | 33 | 53.9% | 9.20% | #69 |
| 2024 | 150 | 43 | 40.7% | 9.07% | #74 |
| 2025 | 142 | 29 | 45.1% | 10.51% | #76 |
What 21st Mortgage lends in Maine
By loan purpose
By loan type
Why it denied Maine applicants
Where in Maine
Counties with the most 21st Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| York County | 23 | 4 | 10 | 43.5% |
| Cumberland County | 22 | 1 | 16 | 72.7% |
| Penobscot County | 22 | 7 | 7 | 31.8% |
| Kennebec County | 16 | 5 | 4 | 25.0% |
| Androscoggin County | 15 | 3 | 5 | 33.3% |
| Somerset County | 10 | 4 | 5 | 50.0% |
| Waldo County | 7 | 1 | 4 | 57.1% |
| Oxford County | 5 | 1 | 3 | 60.0% |
| Sagadahoc County | 4 | 1 | 1 | 25.0% |
| Knox County | 3 | 0 | 2 | 66.7% |
Other large lenders in Maine
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Bangor Savings Bank | B | 4,518 | 17.2% | 7.25% |
| United Shore Financial Services | B | 2,675 | 9.1% | 6.50% |
| Rocket Mortgage | C | 2,628 | 22.9% | 6.75% |
| The Camden National Bank | A | 2,559 | 13.2% | 6.99% |
| CMG Mortgage | A | 2,251 | 4.2% | 6.63% |
| Guild Mortgage | A | 1,838 | 5.3% | 6.63% |
| Kennebec Savings Bank | B | 1,493 | 9.6% | 7.00% |
| TD Bank | D | 1,244 | 20.2% | 7.35% |
| Mortgage Research Center | C | 1,104 | 17.6% | 6.25% |
| Evergreen Credit Union | D | 976 | 30.6% | 6.50% |
Frequently asked questions
Maine: 142 applications in 2025, of which 29 were originated and 64 denied.
45.1% of all applications, or 68.1% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
The median rate on loans 21st Mortgage originated in Maine in 2025 was 10.51%, against a statewide median of 6.88%.
About this data. Figures are 21st Mortgage's own HMDA filing for properties located in Maine, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology