United Shore Financial Services in Maine vs the state
9.1%Denial rate-7.21 pts vs state
10.4%Decision denial rate-9.73 pts vs state
77.6%Origination rate+15.47 pts vs state
6.50%Median rate-0.38 pts vs state
0.22Rate spread (pts)-0.11 pts vs state
$109kMedian applicant income
2,077Loans originated
244Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,404 | 1,143 | 6.6% | 6.99% | #5 |
| 2024 | 2,049 | 1,690 | 6.7% | 6.75% | #3 |
| 2025 | 2,675 | 2,077 | 9.1% | 6.50% | #2 |
What United Shore Financial Services lends in Maine
By loan purpose
By loan type
Why it denied Maine applicants
Where in Maine
Counties with the most United Shore Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cumberland County | 722 | 583 | 52 | 7.2% |
| York County | 560 | 452 | 42 | 7.5% |
| Penobscot County | 312 | 230 | 41 | 13.1% |
| Androscoggin County | 234 | 183 | 21 | 9.0% |
| Kennebec County | 203 | 163 | 16 | 7.9% |
| Oxford County | 125 | 95 | 15 | 12.0% |
| Somerset County | 89 | 59 | 9 | 10.1% |
| Waldo County | 77 | 52 | 11 | 14.3% |
| Sagadahoc County | 67 | 56 | 4 | 6.0% |
| Hancock County | 65 | 48 | 7 | 10.8% |
Other large lenders in Maine
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Bangor Savings Bank | B | 4,518 | 17.2% | 7.25% |
| 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% |
| Town & Country Federal Credit Union | C | 935 | 17.0% | 7.24% |
Frequently asked questions
Maine: 2,675 applications in 2025, of which 2,077 were originated and 244 denied.
9.1% of all applications, or 10.4% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
The median rate on loans United Shore Financial Services originated in Maine in 2025 was 6.50%, against a statewide median of 6.88%.
About this data. Figures are United Shore Financial Services'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