First National Bank in Maine vs the state
8.8%Denial rate-7.53 pts vs state
9.9%Decision denial rate-10.19 pts vs state
79.3%Origination rate+17.15 pts vs state
7.50%Median rate+0.63 pts vs state
0.30Rate spread (pts)-0.03 pts vs state
$104kMedian applicant income
721Loans originated
80Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 935 | 784 | 7.0% | 7.75% | #11 |
| 2024 | 861 | 690 | 8.7% | 8.25% | #13 |
| 2025 | 909 | 721 | 8.8% | 7.50% | #13 |
What First National Bank lends in Maine
By loan purpose
By loan type
Why it denied Maine applicants
Where in Maine
Counties with the most First National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lincoln County | 250 | 206 | 18 | 7.2% |
| Knox County | 203 | 154 | 26 | 12.8% |
| Hancock County | 140 | 117 | 9 | 6.4% |
| Waldo County | 77 | 65 | 5 | 6.5% |
| Penobscot County | 76 | 59 | 5 | 6.6% |
| Washington County | 64 | 45 | 9 | 14.1% |
| Kennebec County | 34 | 27 | 2 | 5.9% |
| Sagadahoc County | 16 | 14 | 2 | 12.5% |
| Cumberland County | 14 | 11 | 1 | 7.1% |
| Somerset County | 7 | 5 | 1 | 14.3% |
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: 909 applications in 2025, of which 721 were originated and 80 denied.
8.8% of all applications, or 9.9% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
The median rate on loans First National Bank originated in Maine in 2025 was 7.50%, against a statewide median of 6.88%.
About this data. Figures are First National 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