T2 Financial in Maine vs the state
5.3%Denial rate-11.05 pts vs state
5.8%Decision denial rate-14.32 pts vs state
78.5%Origination rate+16.32 pts vs state
6.63%Median rate-0.25 pts vs state
0.52Rate spread (pts)+0.19 pts vs state
$97kMedian applicant income
208Loans originated
14Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 253 | 179 | 11.9% | 6.99% | #52 |
| 2024 | 208 | 163 | 4.8% | 7.13% | #65 |
| 2025 | 265 | 208 | 5.3% | 6.63% | #60 |
What T2 Financial lends in Maine
By loan purpose
By loan type
Why it denied Maine applicants
Where in Maine
Counties with the most T2 Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Androscoggin County | 77 | 66 | 3 | 3.9% |
| Kennebec County | 51 | 43 | 2 | 3.9% |
| Oxford County | 35 | 25 | 3 | 8.6% |
| Lincoln County | 21 | 13 | 2 | 9.5% |
| Cumberland County | 20 | 13 | 0 | 0.0% |
| Franklin County | 18 | 17 | 0 | 0.0% |
| Somerset County | 13 | 11 | 0 | 0.0% |
| Sagadahoc County | 8 | 4 | 0 | 0.0% |
| Penobscot County | 7 | 3 | 3 | 42.9% |
| Waldo County | 7 | 7 | 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: 265 applications in 2025, of which 208 were originated and 14 denied.
5.3% of all applications, or 5.8% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
The median rate on loans T2 Financial originated in Maine in 2025 was 6.63%, against a statewide median of 6.88%.
About this data. Figures are T2 Financial'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