Pennymac Loan Services in Maine vs the state
12.5%Denial rate-3.79 pts vs state
19.0%Decision denial rate-1.10 pts vs state
51.8%Origination rate-10.34 pts vs state
6.50%Median rate-0.38 pts vs state
0.39Rate spread (pts)+0.07 pts vs state
$104kMedian applicant income
339Loans originated
82Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 255 | 105 | 14.9% | 6.50% | #49 |
| 2024 | 401 | 181 | 14.5% | 6.25% | #36 |
| 2025 | 654 | 339 | 12.5% | 6.50% | #22 |
What Pennymac Loan Services lends in Maine
By loan purpose
By loan type
Why it denied Maine applicants
Where in Maine
Counties with the most Pennymac Loan Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Penobscot County | 117 | 65 | 17 | 14.5% |
| York County | 114 | 51 | 15 | 13.2% |
| Cumberland County | 96 | 54 | 8 | 8.3% |
| Androscoggin County | 83 | 33 | 17 | 20.5% |
| Kennebec County | 60 | 30 | 9 | 15.0% |
| Hancock County | 40 | 29 | 1 | 2.5% |
| Lincoln County | 25 | 14 | 3 | 12.0% |
| Somerset County | 24 | 11 | 4 | 16.7% |
| Oxford County | 18 | 9 | 4 | 22.2% |
| Aroostook County | 13 | 7 | 2 | 15.4% |
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: 654 applications in 2025, of which 339 were originated and 82 denied.
12.5% of all applications, or 19.0% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
The median rate on loans Pennymac Loan Services originated in Maine in 2025 was 6.50%, against a statewide median of 6.88%.
About this data. Figures are Pennymac Loan 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