American Financing in Maine vs the state
39.5%Denial rate+23.20 pts vs state
57.3%Decision denial rate+37.22 pts vs state
20.9%Origination rate-41.24 pts vs state
6.13%Median rate-0.75 pts vs state
0.03Rate spread (pts)-0.30 pts vs state
$86kMedian applicant income
27Loans originated
51Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 73 | 21 | 31.5% | 6.50% | #94 |
| 2024 | 85 | 16 | 49.4% | 5.75% | #89 |
| 2025 | 129 | 27 | 39.5% | 6.13% | #79 |
What American Financing lends in Maine
By loan purpose
By loan type
Why it denied Maine applicants
Where in Maine
Counties with the most American Financing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Penobscot County | 26 | 7 | 15 | 57.7% |
| Cumberland County | 14 | 5 | 3 | 21.4% |
| Oxford County | 13 | 1 | 4 | 30.8% |
| Androscoggin County | 12 | 3 | 2 | 16.7% |
| York County | 12 | 2 | 3 | 25.0% |
| Kennebec County | 10 | 2 | 4 | 40.0% |
| Lincoln County | 7 | 3 | 3 | 42.9% |
| Waldo County | 6 | 2 | 2 | 33.3% |
| Sagadahoc County | 5 | 0 | 2 | 40.0% |
| Somerset County | 5 | 1 | 1 | 20.0% |
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: 129 applications in 2025, of which 27 were originated and 51 denied.
39.5% of all applications, or 57.3% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
The median rate on loans American Financing originated in Maine in 2025 was 6.13%, against a statewide median of 6.88%.
About this data. Figures are American Financing'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