Polaris Home Funding in Maine vs the state
25.0%Denial rate+8.67 pts vs state
33.3%Decision denial rate+13.25 pts vs state
50.0%Origination rate-12.17 pts vs state
6.94%Median rate+0.06 pts vs state
0.68Rate spread (pts)+0.35 pts vs state
$90kMedian applicant income
4Loans originated
2Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 23 | 11 | 8.7% | 6.75% | #149 |
| 2024 | 18 | 4 | 11.1% | 6.69% | #171 |
| 2025 | 8 | 4 | 25.0% | 6.94% | #235 |
What Polaris Home Funding lends in Maine
By loan purpose
By loan type
Why it denied Maine applicants
Where in Maine
Counties with the most Polaris Home Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| York County | 2 | 2 | 0 | 0.0% |
| Kennebec County | 2 | 1 | 1 | 50.0% |
| Cumberland County | 2 | 0 | 1 | 50.0% |
| Androscoggin County | 1 | 0 | 0 | 0.0% |
| Washington 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: 8 applications in 2025, of which 4 were originated and 2 denied.
25.0% of all applications, or 33.3% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
The median rate on loans Polaris Home Funding originated in Maine in 2025 was 6.94%, against a statewide median of 6.88%.
About this data. Figures are Polaris Home Funding'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