OCMBC in Maine vs the state
29.6%Denial rate+13.22 pts vs state
43.3%Decision denial rate+23.25 pts vs state
34.1%Origination rate-28.08 pts vs state
7.38%Median rate+0.50 pts vs state
1.30Rate spread (pts)+0.97 pts vs state
$116kMedian applicant income
15Loans originated
13Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 14 | 9 | 21.4% | 8.13% | #178 |
| 2024 | 49 | 18 | 34.7% | 8.25% | #115 |
| 2025 | 44 | 15 | 29.6% | 7.38% | #132 |
What OCMBC lends in Maine
By loan purpose
By loan type
Why it denied Maine applicants
Where in Maine
Counties with the most OCMBC applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| York County | 8 | 4 | 2 | 25.0% |
| Cumberland County | 7 | 4 | 2 | 28.6% |
| Penobscot County | 7 | 2 | 1 | 14.3% |
| Somerset County | 6 | 1 | 2 | 33.3% |
| Androscoggin County | 5 | 1 | 2 | 40.0% |
| Hancock County | 3 | 2 | 1 | 33.3% |
| Knox County | 2 | 0 | 1 | 50.0% |
| Kennebec County | 2 | 0 | 0 | 0.0% |
| Oxford County | 1 | 0 | 1 | 100.0% |
| Lincoln County | 1 | 0 | 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: 44 applications in 2025, of which 15 were originated and 13 denied.
29.6% of all applications, or 43.3% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
The median rate on loans OCMBC originated in Maine in 2025 was 7.38%, against a statewide median of 6.88%.
About this data. Figures are OCMBC'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