Kind Lending in Maine vs the state
21.2%Denial rate+4.86 pts vs state
23.2%Decision denial rate+3.07 pts vs state
70.3%Origination rate+8.17 pts vs state
6.63%Median rate-0.25 pts vs state
0.42Rate spread (pts)+0.09 pts vs state
$98kMedian applicant income
83Loans originated
25Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 53 | 33 | 24.5% | 7.13% | #109 |
| 2024 | 115 | 76 | 26.1% | 6.63% | #80 |
| 2025 | 118 | 83 | 21.2% | 6.63% | #83 |
What Kind Lending lends in Maine
By loan purpose
By loan type
Why it denied Maine applicants
Where in Maine
Counties with the most Kind Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Aroostook County | 37 | 31 | 5 | 13.5% |
| York County | 19 | 14 | 5 | 26.3% |
| Penobscot County | 15 | 12 | 3 | 20.0% |
| Cumberland County | 11 | 7 | 2 | 18.2% |
| Kennebec County | 9 | 5 | 1 | 11.1% |
| Waldo County | 6 | 4 | 1 | 16.7% |
| Hancock County | 5 | 0 | 4 | 80.0% |
| Androscoggin County | 4 | 0 | 2 | 50.0% |
| Oxford County | 4 | 3 | 1 | 25.0% |
| Sagadahoc County | 3 | 2 | 1 | 33.3% |
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: 118 applications in 2025, of which 83 were originated and 25 denied.
21.2% of all applications, or 23.2% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
The median rate on loans Kind Lending originated in Maine in 2025 was 6.63%, against a statewide median of 6.88%.
About this data. Figures are Kind Lending'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