Commerce Home Mortgage in Maine vs the state
20.0%Denial rate+3.67 pts vs state
30.0%Decision denial rate+9.92 pts vs state
46.7%Origination rate-15.50 pts vs state
6.88%Median rate0.00 pts vs state
1.04Rate spread (pts)+0.71 pts vs state
$202kMedian applicant income
7Loans originated
3Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 11 | 4 | 9.1% | 8.13% | #195 |
| 2025 | 15 | 7 | 20.0% | 6.88% | #186 |
What Commerce Home Mortgage lends in Maine
By loan purpose
By loan type
Why it denied Maine applicants
Where in Maine
Counties with the most Commerce Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cumberland County | 4 | 2 | 2 | 50.0% |
| York County | 4 | 0 | 0 | 0.0% |
| Oxford County | 2 | 1 | 0 | 0.0% |
| Penobscot County | 2 | 1 | 1 | 50.0% |
| Somerset County | 1 | 1 | 0 | 0.0% |
| Lincoln County | 1 | 1 | 0 | 0.0% |
| Knox 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: 15 applications in 2025, of which 7 were originated and 3 denied.
20.0% 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 Commerce Home Mortgage originated in Maine in 2025 was 6.88%, against a statewide median of 6.88%.
About this data. Figures are Commerce Home 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