Citizens Bank in Maine vs the state
22.8%Denial rate+6.49 pts vs state
26.0%Decision denial rate+5.96 pts vs state
61.9%Origination rate-0.28 pts vs state
7.40%Median rate+0.53 pts vs state
0.31Rate spread (pts)-0.02 pts vs state
$124kMedian applicant income
255Loans originated
94Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 477 | 255 | 35.6% | 8.50% | #28 |
| 2024 | 440 | 250 | 32.7% | 8.65% | #31 |
| 2025 | 412 | 255 | 22.8% | 7.40% | #41 |
What Citizens Bank lends in Maine
By loan purpose
By loan type
Why it denied Maine applicants
Where in Maine
Counties with the most Citizens Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| York County | 175 | 112 | 36 | 20.6% |
| Cumberland County | 88 | 58 | 12 | 13.6% |
| Oxford County | 33 | 23 | 7 | 21.2% |
| Penobscot County | 19 | 10 | 7 | 36.8% |
| Kennebec County | 17 | 7 | 7 | 41.2% |
| Androscoggin County | 15 | 8 | 4 | 26.7% |
| Knox County | 14 | 8 | 3 | 21.4% |
| Sagadahoc County | 10 | 8 | 2 | 20.0% |
| Lincoln County | 9 | 5 | 4 | 44.4% |
| Hancock County | 9 | 5 | 2 | 22.2% |
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: 412 applications in 2025, of which 255 were originated and 94 denied.
22.8% of all applications, or 26.0% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
The median rate on loans Citizens Bank originated in Maine in 2025 was 7.40%, against a statewide median of 6.88%.
About this data. Figures are Citizens Bank'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