Cardinal Financial Company, Limited Partnership in Maine vs the state
28.6%Denial rate+12.24 pts vs state
30.0%Decision denial rate+9.92 pts vs state
47.6%Origination rate-14.55 pts vs state
6.25%Median rate-0.63 pts vs state
0.36Rate spread (pts)+0.03 pts vs state
$94kMedian applicant income
10Loans originated
6Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 22 | 12 | 9.1% | 6.56% | #155 |
| 2024 | 16 | 10 | 18.8% | 6.44% | #183 |
| 2025 | 21 | 10 | 28.6% | 6.25% | #174 |
What Cardinal Financial Company, Limited Partnership lends in Maine
By loan purpose
By loan type
Why it denied Maine applicants
Where in Maine
Counties with the most Cardinal Financial Company, Limited Partnership applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| York County | 8 | 4 | 4 | 50.0% |
| Cumberland County | 3 | 2 | 0 | 0.0% |
| Aroostook County | 2 | 1 | 0 | 0.0% |
| Kennebec County | 2 | 0 | 1 | 50.0% |
| Androscoggin County | 2 | 1 | 0 | 0.0% |
| Franklin County | 2 | 1 | 0 | 0.0% |
| Waldo County | 1 | 0 | 1 | 100.0% |
| Penobscot County | 1 | 1 | 0 | 0.0% |
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: 21 applications in 2025, of which 10 were originated and 6 denied.
28.6% of all applications, or 30.0% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
The median rate on loans Cardinal Financial Company, Limited Partnership originated in Maine in 2025 was 6.25%, against a statewide median of 6.88%.
About this data. Figures are Cardinal Financial Company, Limited Partnership'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