Keystone Funding in Maine vs the state
6.5%Denial rate-9.88 pts vs state
6.5%Decision denial rate-13.63 pts vs state
87.1%Origination rate+24.93 pts vs state
6.38%Median rate-0.50 pts vs state
0.04Rate spread (pts)-0.28 pts vs state
$164kMedian applicant income
27Loans originated
2Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 4 | 0.0% | 7.31% | #256 |
| 2024 | 32 | 27 | 0.0% | 6.63% | #137 |
| 2025 | 31 | 27 | 6.5% | 6.38% | #148 |
What Keystone Funding lends in Maine
By loan purpose
By loan type
Why it denied Maine applicants
Where in Maine
Counties with the most Keystone Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| York County | 13 | 12 | 1 | 7.7% |
| Hancock County | 10 | 8 | 0 | 0.0% |
| Cumberland County | 4 | 4 | 0 | 0.0% |
| Oxford County | 1 | 1 | 0 | 0.0% |
| Franklin County | 1 | 0 | 1 | 100.0% |
| Androscoggin County | 1 | 1 | 0 | 0.0% |
| Kennebec 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: 31 applications in 2025, of which 27 were originated and 2 denied.
6.5% of all applications, or 6.5% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
The median rate on loans Keystone Funding originated in Maine in 2025 was 6.38%, against a statewide median of 6.88%.
About this data. Figures are Keystone Funding'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