Machias Savings Bank in Maine vs the state
21.9%Denial rate+5.53 pts vs state
23.8%Decision denial rate+3.69 pts vs state
65.8%Origination rate+3.66 pts vs state
7.50%Median rate+0.63 pts vs state
0.64Rate spread (pts)+0.31 pts vs state
$96kMedian applicant income
551Loans originated
183Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,049 | 714 | 17.7% | 7.63% | #9 |
| 2024 | 843 | 563 | 22.4% | 7.88% | #15 |
| 2025 | 837 | 551 | 21.9% | 7.50% | #17 |
What Machias Savings Bank lends in Maine
By loan purpose
By loan type
Why it denied Maine applicants
Where in Maine
Counties with the most Machias Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Aroostook County | 262 | 166 | 60 | 22.9% |
| Washington County | 194 | 128 | 51 | 26.3% |
| Hancock County | 137 | 87 | 30 | 21.9% |
| Penobscot County | 131 | 103 | 20 | 15.3% |
| Cumberland County | 26 | 14 | 6 | 23.1% |
| Knox County | 19 | 11 | 2 | 10.5% |
| Waldo County | 14 | 9 | 1 | 7.1% |
| Somerset County | 12 | 7 | 4 | 33.3% |
| York County | 10 | 7 | 1 | 10.0% |
| Kennebec County | 9 | 4 | 3 | 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: 837 applications in 2025, of which 551 were originated and 183 denied.
21.9% of all applications, or 23.8% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
The median rate on loans Machias Savings Bank originated in Maine in 2025 was 7.50%, against a statewide median of 6.88%.
About this data. Figures are Machias Savings 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