Saco & Biddeford Savings Institution in Maine vs the state
6.9%Denial rate-9.45 pts vs state
8.6%Decision denial rate-11.52 pts vs state
71.7%Origination rate+9.57 pts vs state
—Median rate
—Rate spread (pts)
$168kMedian applicant income
198Loans originated
19Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 314 | 221 | 11.5% | — | #39 |
| 2024 | 280 | 174 | 14.3% | 7.00% | #49 |
| 2025 | 276 | 198 | 6.9% | — | #58 |
What Saco & Biddeford Savings Institution lends in Maine
By loan purpose
By loan type
Where in Maine
Counties with the most Saco & Biddeford Savings Institution applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| York County | 142 | 102 | 11 | 7.7% |
| Cumberland County | 113 | 79 | 8 | 7.1% |
| Androscoggin County | 4 | 3 | 0 | 0.0% |
| Oxford County | 3 | 2 | 0 | 0.0% |
| Sagadahoc County | 3 | 1 | 0 | 0.0% |
| Franklin County | 2 | 2 | 0 | 0.0% |
| Kennebec County | 2 | 2 | 0 | 0.0% |
| Waldo County | 2 | 2 | 0 | 0.0% |
| Knox County | 2 | 2 | 0 | 0.0% |
| Piscataquis 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: 276 applications in 2025, of which 198 were originated and 19 denied.
6.9% of all applications, or 8.6% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Saco & Biddeford Savings Institution'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