Maine Family 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%
10th27.5% deniedPricingmedian rate spread over APOR, weight 30%
57th0.22 ptsProcesswithdrawn + incomplete share, weight 15%
48th12.1%Closing coststotal loan costs ÷ loan amount, weight 10%
75th1.27% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 76 | 35 | 36.8% | 43.1% | 6.50% | $3.3M |
| 2024 | 116 | 51 | 37.1% | 44.8% | 6.63% | $5.8M |
| 2025 | 116 | 65 | 24.1% | 27.5% | 6.38% | $11M |
What Maine Family 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, 6 manufactured homes, 2 investment properties.
Why Maine Family denies applications
Primary reason reported for each of the 28 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Maine Family
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 37 | 20 | 30.3% |
| $100k – $150k | 30 | 17 | 19.2% |
| $150k – $250k | 20 | 13 | 25.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 31 | 13 | 33.3% |
| 45–54 | 33 | 19 | 33.3% |
Where Maine Family lends
1 states and 10 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Maine | 116 | 65 | 24.1% | 6.38% | #85 |
Frequently asked questions
Maine Family denied 27.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 10th percentile of small mortgage lenders.
The most common reason Maine Family gave in 2025 was "debt-to-income ratio", cited on 35.7% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Maine Family originated in 2025 was 6.38%, and its median rate spread over the average prime offer rate was 0.22 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 18% of its applications were for home purchases, 81% for refinancing (including cash-out), and 1% 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.