Find a better mortgage lender

Androscoggin County, Maine · 2025

Mortgage lenders in Androscoggin County, ME: denial rates and top lenders (2025)

207 lenders acted on 4,193 mortgage applications for properties in Androscoggin County in 2025. 15.9% were denied (Maine: 16.3%). Median rate on closed loans 6.63%; median loan $225,000; median property value $355,000.

4.2kApplications
15.9%Denial ratestate 16.3%
6.63%Median ratestate 6.88%
$225,000Median loan
$355,000Median property value

Largest lenders in Androscoggin County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Guild Mortgage A 297234 5.4%6.63%
2 United Shore Financial Services B 234183 9.0%6.60%
3 Rocket Mortgage C 231153 22.5%6.50%
4 Bangor Savings Bank B 209143 20.6%6.83%
5 Dirigo Federal Credit Union D 205136 20.0%—
6 CMG Mortgage A 201134 5.0%6.50%
7 Maine Community Bank C 11085 15.5%—
8 Freedom Mortgage B 10454 8.7%6.13%
9 The Camden National Bank A 9768 17.5%6.99%
10 TD Bank D 9453 19.2%7.34%
11 Maine Family C 8855 18.2%6.50%
12 Norway Savings Bank B 8764 12.6%7.25%
13 Pennymac Loan Services C 8333 20.5%6.12%
14 T2 Financial B 7766 3.9%6.63%
15 Broker Solutions D 7724 13.0%6.63%
16 Mortgage Research Center C 7135 11.3%6.38%
17 Lisbon Community – 6967 1.5%6.88%
18 Newrez D 6819 22.1%6.75%
19 Atlantic Regional Federal Credit Union D 6232 21.0%8.75%
20 DAS Acquisition Company B 5846 5.2%6.50%
21 Loandepot.Com D 5424 38.9%6.93%
22 Androscoggin Savings Bank A 5246 0.0%6.63%
23 Guaranteed Rate B 5126 3.9%6.19%
24 Coastal Community Bank C 519 2.0%10.49%
25 Kennebec Savings Bank B 4933 10.2%6.95%

Best approval odds in Androscoggin County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Lisbon Community681.5%
2T2 Financial744.1%
3DAS Acquisition Company565.4%
4CMG Mortgage1616.2%
5Guild Mortgage2536.3%
6United Shore Financial Services20710.1%
7Freedom Mortgage6913.0%
8Norway Savings Bank7714.3%
9Maine Community Bank10316.5%
10The Camden National Bank8619.8%

What Androscoggin County borrowers applied for

By loan purpose

Home purchase 1,747 42% · 8.6% denied
Refinance 724 17% · 12.7% denied
Cash-out refinance 842 20% · 22.9% denied
Home improvement 415 10% · 22.2% denied
Other / HELOC 465 11% · 29.7% denied

By loan type

Conventional 3,033 72% · 16.6% denied
FHA 782 19% · 16.1% denied
VA 358 9% · 9.2% denied
USDA / RHS 20 0% · 10.0% denied

Why applications were denied

Debt-to-income ratio 182 31%
Collateral 117 20%
Credit history 112 19%
Incomplete application 90 15%
Other 41 7%
Unverifiable information 22 4%
Insufficient cash 18 3%
Employment history 7 1%
Mortgage insurance denied 1 0%

Androscoggin County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20233,3502,03617.1%7.00%$195,000
20243,9212,45116.4%6.99%$215,000
20254,1932,55715.9%6.63%$225,000

Frequently asked questions

15.9% of applications in Androscoggin County were denied in 2025, against 16.3% statewide in Maine.

Guild Mortgage, with 297 applications in 2025 and a denial rate of 5.4%.

The median mortgage application in Androscoggin County in 2025 was for $225,000; the median property value on originated loans was $355,000.