Luminate Bank in Maine vs the state
0.9%Denial rate-15.47 pts vs state
1.3%Decision denial rate-18.83 pts vs state
68.1%Origination rate+5.93 pts vs state
6.50%Median rate-0.38 pts vs state
0.36Rate spread (pts)+0.04 pts vs state
$89kMedian applicant income
79Loans originated
1Denied
What Luminate Bank lends in Maine
By loan purpose
By loan type
Why it denied Maine applicants
Where in Maine
Counties with the most Luminate Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kennebec County | 26 | 15 | 0 | 0.0% |
| York County | 25 | 20 | 0 | 0.0% |
| Somerset County | 17 | 13 | 0 | 0.0% |
| Waldo County | 10 | 6 | 0 | 0.0% |
| Sagadahoc County | 10 | 6 | 0 | 0.0% |
| Cumberland County | 8 | 4 | 0 | 0.0% |
| Penobscot County | 6 | 4 | 0 | 0.0% |
| Oxford County | 3 | 3 | 0 | 0.0% |
| Franklin County | 3 | 2 | 0 | 0.0% |
| Lincoln County | 2 | 2 | 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: 116 applications in 2025, of which 79 were originated and 1 denied.
0.9% of all applications, or 1.3% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
The median rate on loans Luminate Bank originated in Maine in 2025 was 6.50%, against a statewide median of 6.88%.
About this data. Figures are Luminate 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