Northern Mortgage Services in Maine vs the state
6.3%Denial rate-10.08 pts vs state
7.5%Decision denial rate-12.58 pts vs state
72.9%Origination rate+10.75 pts vs state
6.63%Median rate-0.25 pts vs state
0.40Rate spread (pts)+0.07 pts vs state
$100kMedian applicant income
35Loans originated
3Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 47 | 34 | 6.4% | 6.88% | #113 |
| 2024 | 54 | 35 | 3.7% | 6.99% | #110 |
| 2025 | 48 | 35 | 6.3% | 6.63% | #127 |
What Northern Mortgage Services lends in Maine
By loan purpose
By loan type
Why it denied Maine applicants
Where in Maine
Counties with the most Northern Mortgage Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cumberland County | 12 | 11 | 0 | 0.0% |
| Penobscot County | 12 | 8 | 0 | 0.0% |
| Aroostook County | 9 | 7 | 1 | 11.1% |
| Kennebec County | 3 | 1 | 1 | 33.3% |
| Androscoggin County | 3 | 2 | 0 | 0.0% |
| York County | 3 | 1 | 1 | 33.3% |
| Somerset County | 1 | 1 | 0 | 0.0% |
| Washington County | 1 | 1 | 0 | 0.0% |
| Hancock County | 1 | 1 | 0 | 0.0% |
| Knox County | 1 | 1 | 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: 48 applications in 2025, of which 35 were originated and 3 denied.
6.3% of all applications, or 7.5% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
The median rate on loans Northern Mortgage Services originated in Maine in 2025 was 6.63%, against a statewide median of 6.88%.
About this data. Figures are Northern Mortgage Services'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