Village Capital & Investment in Maine vs the state
16.7%Denial rate+0.34 pts vs state
20.5%Decision denial rate+0.37 pts vs state
40.7%Origination rate-21.43 pts vs state
5.87%Median rate-1.01 pts vs state
—Rate spread (pts)
$91kMedian applicant income
44Loans originated
18Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 61 | 17 | 9.8% | 6.25% | #103 |
| 2024 | 103 | 33 | 12.6% | 5.99% | #85 |
| 2025 | 108 | 44 | 16.7% | 5.87% | #87 |
What Village Capital & Investment lends in Maine
By loan purpose
By loan type
Why it denied Maine applicants
Where in Maine
Counties with the most Village Capital & Investment applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| York County | 22 | 5 | 4 | 18.2% |
| Cumberland County | 12 | 2 | 3 | 25.0% |
| Androscoggin County | 11 | 4 | 4 | 36.4% |
| Kennebec County | 11 | 5 | 3 | 27.3% |
| Penobscot County | 9 | 5 | 1 | 11.1% |
| Somerset County | 8 | 6 | 2 | 25.0% |
| Waldo County | 8 | 4 | 0 | 0.0% |
| Oxford County | 7 | 3 | 0 | 0.0% |
| Lincoln County | 5 | 3 | 0 | 0.0% |
| Knox County | 4 | 2 | 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: 108 applications in 2025, of which 44 were originated and 18 denied.
16.7% of all applications, or 20.5% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
The median rate on loans Village Capital & Investment originated in Maine in 2025 was 5.87%, against a statewide median of 6.88%.
About this data. Figures are Village Capital & Investment'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