Guaranteed Rate in Maine vs the state
5.8%Denial rate-10.53 pts vs state
9.4%Decision denial rate-10.73 pts vs state
55.4%Origination rate-6.77 pts vs state
6.50%Median rate-0.38 pts vs state
0.27Rate spread (pts)-0.05 pts vs state
$128kMedian applicant income
277Loans originated
29Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 163 | 68 | 3.7% | 6.83% | #71 |
| 2024 | 225 | 145 | 8.0% | 6.85% | #62 |
| 2025 | 500 | 277 | 5.8% | 6.50% | #31 |
What Guaranteed Rate lends in Maine
By loan purpose
By loan type
Why it denied Maine applicants
Where in Maine
Counties with the most Guaranteed Rate applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cumberland County | 156 | 84 | 7 | 4.5% |
| York County | 95 | 53 | 6 | 6.3% |
| Androscoggin County | 51 | 26 | 2 | 3.9% |
| Kennebec County | 46 | 29 | 0 | 0.0% |
| Oxford County | 32 | 20 | 2 | 6.3% |
| Somerset County | 28 | 17 | 3 | 10.7% |
| Penobscot County | 27 | 14 | 3 | 11.1% |
| Lincoln County | 12 | 5 | 1 | 8.3% |
| Waldo County | 9 | 5 | 0 | 0.0% |
| Hancock County | 9 | 6 | 2 | 22.2% |
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: 500 applications in 2025, of which 277 were originated and 29 denied.
5.8% of all applications, or 9.4% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
The median rate on loans Guaranteed Rate originated in Maine in 2025 was 6.50%, against a statewide median of 6.88%.
About this data. Figures are Guaranteed Rate'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