Cumberland County in Maine vs the state
11.6%Denial rate-4.72 pts vs state
13.0%Decision denial rate-7.13 pts vs state
74.2%Origination rate+12.02 pts vs state
6.63%Median rate-0.25 pts vs state
0.46Rate spread (pts)+0.13 pts vs state
$109kMedian applicant income
230Loans originated
36Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 274 | 226 | 11.7% | 6.50% | #43 |
| 2024 | 232 | 172 | 12.1% | 7.15% | #59 |
| 2025 | 310 | 230 | 11.6% | 6.63% | #47 |
What Cumberland County lends in Maine
By loan purpose
By loan type
Why it denied Maine applicants
Where in Maine
Counties with the most Cumberland County applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cumberland County | 241 | 179 | 27 | 11.2% |
| Androscoggin County | 20 | 14 | 2 | 10.0% |
| York County | 19 | 17 | 0 | 0.0% |
| Oxford County | 8 | 4 | 4 | 50.0% |
| Somerset County | 5 | 3 | 1 | 20.0% |
| Sagadahoc County | 4 | 3 | 1 | 25.0% |
| Kennebec County | 4 | 3 | 0 | 0.0% |
| Franklin County | 3 | 3 | 0 | 0.0% |
| Piscataquis County | 2 | 2 | 0 | 0.0% |
| Aroostook County | 1 | 0 | 1 | 100.0% |
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: 310 applications in 2025, of which 230 were originated and 36 denied.
11.6% of all applications, or 13.0% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
The median rate on loans Cumberland County originated in Maine in 2025 was 6.63%, against a statewide median of 6.88%.
About this data. Figures are Cumberland County'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