Maine Community Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
28th16.1% deniedProcesswithdrawn + incomplete share, weight 15%
48th12.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 420 | 310 | 13.6% | 15.2% | — | $89M |
| 2024 | 269 | 189 | 8.6% | 10.7% | — | $69M |
| 2025 | 812 | 595 | 14.2% | 16.1% | — | $197M |
What Maine Community Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 13 manufactured homes, 165 investment properties.
Who gets approved at Maine Community Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 35 | 11 | 61.3% |
| $50k – $100k | 150 | 92 | 30.8% |
| $100k – $150k | 165 | 124 | 15.1% |
| $150k – $250k | 191 | 151 | 9.5% |
| Over $250k | 151 | 119 | 7.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 107 | 76 | 14.6% |
| 35–44 | 121 | 88 | 18.5% |
| 45–54 | 158 | 114 | 16.8% |
| 55–64 | 177 | 130 | 17.1% |
| 65–74 | 91 | 63 | 21.3% |
| Over 74 | 48 | 32 | 25.6% |
Where Maine Community Bank lends
1 states and 15 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Maine | 812 | 595 | 14.2% | — | #18 |
Frequently asked questions
Maine Community Bank denied 16.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 28th percentile of small mortgage lenders.
In 2025, 42% of its applications were for home purchases, 22% for refinancing (including cash-out), and 36% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.