Mortgage Research Center in Maine vs the state
17.6%Denial rate+1.24 pts vs state
27.4%Decision denial rate+7.32 pts vs state
45.9%Origination rate-16.25 pts vs state
6.25%Median rate-0.63 pts vs state
-0.17Rate spread (pts)-0.50 pts vs state
$92kMedian applicant income
507Loans originated
194Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 682 | 331 | 16.1% | 6.75% | #18 |
| 2024 | 920 | 449 | 18.6% | 6.63% | #12 |
| 2025 | 1,104 | 507 | 17.6% | 6.25% | #9 |
What Mortgage Research Center lends in Maine
By loan purpose
By loan type
Why it denied Maine applicants
Where in Maine
Counties with the most Mortgage Research Center applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Penobscot County | 162 | 77 | 39 | 24.1% |
| Kennebec County | 152 | 60 | 26 | 17.1% |
| York County | 122 | 58 | 19 | 15.6% |
| Cumberland County | 94 | 33 | 25 | 26.6% |
| Aroostook County | 82 | 41 | 16 | 19.5% |
| Somerset County | 80 | 37 | 8 | 10.0% |
| Androscoggin County | 71 | 35 | 8 | 11.3% |
| Oxford County | 56 | 28 | 7 | 12.5% |
| Waldo County | 44 | 24 | 4 | 9.1% |
| Franklin County | 43 | 20 | 6 | 14.0% |
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% |
| Evergreen Credit Union | D | 976 | 30.6% | 6.50% |
| Town & Country Federal Credit Union | C | 935 | 17.0% | 7.24% |
Frequently asked questions
Maine: 1,104 applications in 2025, of which 507 were originated and 194 denied.
17.6% of all applications, or 27.4% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
The median rate on loans Mortgage Research Center originated in Maine in 2025 was 6.25%, against a statewide median of 6.88%.
About this data. Figures are Mortgage Research Center'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