First Federal Savings and Loan Association of Bath in Maine vs the state
2.5%Denial rate-13.87 pts vs state
2.7%Decision denial rate-17.40 pts vs state
85.3%Origination rate+23.08 pts vs state
—Median rate
—Rate spread (pts)
$115kMedian applicant income
104Loans originated
3Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 133 | 111 | 2.3% | — | #81 |
| 2024 | 109 | 92 | 5.5% | — | #83 |
| 2025 | 122 | 104 | 2.5% | — | #81 |
What First Federal Savings and Loan Association of Bath lends in Maine
By loan purpose
By loan type
Where in Maine
Counties with the most First Federal Savings and Loan Association of Bath applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lincoln County | 58 | 48 | 1 | 1.7% |
| Sagadahoc County | 43 | 39 | 0 | 0.0% |
| Cumberland County | 12 | 9 | 2 | 16.7% |
| Androscoggin County | 3 | 3 | 0 | 0.0% |
| Piscataquis County | 2 | 1 | 0 | 0.0% |
| Kennebec County | 2 | 2 | 0 | 0.0% |
| Knox County | 1 | 1 | 0 | 0.0% |
| 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: 122 applications in 2025, of which 104 were originated and 3 denied.
2.5% of all applications, or 2.7% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are First Federal Savings and Loan Association of Bath'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