PHH Mortgage in Maine vs the state
9.8%Denial rate-6.57 pts vs state
21.1%Decision denial rate+0.97 pts vs state
35.4%Origination rate-26.80 pts vs state
6.49%Median rate-0.38 pts vs state
0.34Rate spread (pts)+0.02 pts vs state
$84kMedian applicant income
29Loans originated
8Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 29 | 5 | 37.9% | 6.69% | #139 |
| 2024 | 77 | 27 | 19.5% | 6.88% | #93 |
| 2025 | 82 | 29 | 9.8% | 6.49% | #101 |
What PHH Mortgage lends in Maine
By loan purpose
By loan type
Why it denied Maine applicants
Where in Maine
Counties with the most PHH Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| York County | 23 | 11 | 2 | 8.7% |
| Cumberland County | 21 | 9 | 0 | 0.0% |
| Androscoggin County | 10 | 3 | 1 | 10.0% |
| Kennebec County | 7 | 1 | 2 | 28.6% |
| Waldo County | 4 | 0 | 1 | 25.0% |
| Oxford County | 4 | 0 | 1 | 25.0% |
| Penobscot County | 4 | 2 | 1 | 25.0% |
| Somerset County | 2 | 1 | 0 | 0.0% |
| Washington County | 2 | 0 | 0 | 0.0% |
| Hancock County | 2 | 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: 82 applications in 2025, of which 29 were originated and 8 denied.
9.8% of all applications, or 21.1% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
The median rate on loans PHH Mortgage originated in Maine in 2025 was 6.49%, against a statewide median of 6.88%.
About this data. Figures are PHH 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