Freedom Mortgage in Maine vs the state
7.6%Denial rate-8.72 pts vs state
12.5%Decision denial rate-7.61 pts vs state
46.2%Origination rate-15.98 pts vs state
6.25%Median rate-0.63 pts vs state
0.11Rate spread (pts)-0.22 pts vs state
$92kMedian applicant income
346Loans originated
57Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 202 | 84 | 16.8% | 6.75% | #63 |
| 2024 | 490 | 213 | 10.4% | 6.38% | #26 |
| 2025 | 749 | 346 | 7.6% | 6.25% | #19 |
What Freedom Mortgage lends in Maine
By loan purpose
By loan type
Why it denied Maine applicants
Where in Maine
Counties with the most Freedom Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| York County | 154 | 68 | 15 | 9.7% |
| Androscoggin County | 104 | 54 | 9 | 8.7% |
| Penobscot County | 102 | 50 | 6 | 5.9% |
| Cumberland County | 93 | 35 | 5 | 5.4% |
| Kennebec County | 83 | 40 | 4 | 4.8% |
| Somerset County | 33 | 17 | 5 | 15.2% |
| Aroostook County | 33 | 11 | 1 | 3.0% |
| Lincoln County | 27 | 10 | 0 | 0.0% |
| Oxford County | 24 | 10 | 3 | 12.5% |
| Waldo County | 23 | 9 | 4 | 17.4% |
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: 749 applications in 2025, of which 346 were originated and 57 denied.
7.6% of all applications, or 12.5% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
The median rate on loans Freedom Mortgage originated in Maine in 2025 was 6.25%, against a statewide median of 6.88%.
About this data. Figures are Freedom 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