Northpoint Mortgage in Maine vs the state
2.6%Denial rate-13.78 pts vs state
3.1%Decision denial rate-16.98 pts vs state
79.6%Origination rate+17.41 pts vs state
6.63%Median rate-0.25 pts vs state
0.35Rate spread (pts)+0.02 pts vs state
$113kMedian applicant income
343Loans originated
11Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 265 | 196 | 8.7% | 6.88% | #47 |
| 2024 | 377 | 293 | 6.1% | 6.63% | #39 |
| 2025 | 431 | 343 | 2.6% | 6.63% | #38 |
What Northpoint Mortgage lends in Maine
By loan purpose
By loan type
Why it denied Maine applicants
Where in Maine
Counties with the most Northpoint Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| York County | 120 | 102 | 4 | 3.3% |
| Cumberland County | 114 | 91 | 1 | 0.9% |
| Kennebec County | 53 | 37 | 1 | 1.9% |
| Androscoggin County | 40 | 30 | 2 | 5.0% |
| Sagadahoc County | 22 | 16 | 0 | 0.0% |
| Oxford County | 20 | 18 | 1 | 5.0% |
| Lincoln County | 14 | 12 | 0 | 0.0% |
| Somerset County | 13 | 10 | 0 | 0.0% |
| Knox County | 12 | 9 | 0 | 0.0% |
| Penobscot County | 9 | 6 | 1 | 11.1% |
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: 431 applications in 2025, of which 343 were originated and 11 denied.
2.6% of all applications, or 3.1% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
The median rate on loans Northpoint Mortgage originated in Maine in 2025 was 6.63%, against a statewide median of 6.88%.
About this data. Figures are Northpoint Mortgage'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