The Federal Savings Bank in Maine vs the state
12.6%Denial rate-3.72 pts vs state
27.3%Decision denial rate+7.19 pts vs state
33.6%Origination rate-28.56 pts vs state
6.38%Median rate-0.50 pts vs state
0.14Rate spread (pts)-0.19 pts vs state
$82kMedian applicant income
40Loans originated
15Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 114 | 36 | 7.9% | 6.38% | #83 |
| 2024 | 110 | 42 | 6.4% | 6.25% | #82 |
| 2025 | 119 | 40 | 12.6% | 6.38% | #82 |
What The Federal Savings Bank lends in Maine
By loan purpose
By loan type
Why it denied Maine applicants
Where in Maine
Counties with the most The Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| York County | 19 | 6 | 2 | 10.5% |
| Kennebec County | 14 | 3 | 1 | 7.1% |
| Penobscot County | 14 | 7 | 2 | 14.3% |
| Cumberland County | 13 | 3 | 2 | 15.4% |
| Androscoggin County | 13 | 6 | 1 | 7.7% |
| Knox County | 7 | 2 | 1 | 14.3% |
| Piscataquis County | 6 | 1 | 2 | 33.3% |
| Hancock County | 6 | 2 | 0 | 0.0% |
| Aroostook County | 5 | 1 | 1 | 20.0% |
| Somerset County | 5 | 3 | 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: 119 applications in 2025, of which 40 were originated and 15 denied.
12.6% of all applications, or 27.3% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
The median rate on loans The Federal Savings Bank originated in Maine in 2025 was 6.38%, against a statewide median of 6.88%.
About this data. Figures are The Federal Savings Bank'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