Find a better mortgage lender

Kennebec County, Maine · 2025

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

233 lenders acted on 5,257 mortgage applications for properties in Kennebec County in 2025. 14.9% were denied (Maine: 16.3%). Median rate on closed loans 6.75%; median loan $205,000; median property value $335,000.

5.3kApplications
14.9%Denial ratestate 16.3%
6.75%Median ratestate 6.88%
$205,000Median loan
$335,000Median property value

Largest lenders in Kennebec County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Kennebec Savings Bank B 991770 8.9%7.00%
2 Guild Mortgage A 321222 5.6%6.50%
3 Maine State Credit Union D 314232 18.8%—
4 Bangor Savings Bank B 284213 12.7%6.99%
5 Rocket Mortgage C 243159 24.7%6.75%
6 The Camden National Bank A 239176 15.5%6.99%
7 United Shore Financial Services B 203163 7.9%6.25%
8 Mortgage Research Center C 15260 17.1%6.25%
9 CMG Mortgage A 12281 7.4%6.63%
10 Freedom Mortgage B 8340 4.8%6.25%
11 Newrez D 8124 14.8%6.50%
12 Fairway Independent Mortgage B 7766 3.9%6.49%
13 AmeriSave Mortgage D 7523 57.3%7.88%
14 Pennymac Loan Services C 6030 15.0%6.19%
15 Broker Solutions D 6020 8.3%6.69%
16 TD Bank D 5631 17.9%7.54%
17 Skowhegan Savings Bank D 5526 25.5%—
18 Navy Federal Credit Union D 5526 23.6%7.13%
19 Coastal Community Bank C 5411 3.7%11.24%
20 Northpoint Mortgage A 5337 1.9%6.50%
21 Cuso Mortgage C 5234 15.4%6.63%
22 T2 Financial B 5143 3.9%6.63%
23 Loandepot.Com D 4824 37.5%6.75%
24 Guaranteed Rate B 4629 0.0%6.45%
25 Cport B 4537 4.4%—

Best approval odds in Kennebec County

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

#LenderDecidedDecision denial rate
1Fairway Independent Mortgage694.4%
2Guild Mortgage2467.3%
3Freedom Mortgage508.0%
4United Shore Financial Services1838.7%
5Kennebec Savings Bank9719.1%
6CMG Mortgage979.3%
7Bangor Savings Bank24914.5%
8The Camden National Bank21717.1%
9Maine State Credit Union29320.1%
10Rocket Mortgage22826.3%

What Kennebec County borrowers applied for

By loan purpose

Home purchase 2,304 44% · 7.5% denied
Refinance 880 17% · 12.2% denied
Cash-out refinance 797 15% · 25.6% denied
Home improvement 697 13% · 19.8% denied
Other / HELOC 579 11% · 27.5% denied

By loan type

Conventional 3,877 74% · 15.2% denied
FHA 769 15% · 15.2% denied
VA 554 11% · 12.3% denied
USDA / RHS 57 1% · 10.5% denied

Why applications were denied

Debt-to-income ratio 202 29%
Credit history 164 23%
Collateral 136 19%
Incomplete application 89 13%
Other 59 8%
Unverifiable information 20 3%
Insufficient cash 19 3%
Employment history 12 2%

Kennebec County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20234,0932,59616.3%7.13%$175,000
20244,5642,95015.1%7.13%$185,000
20255,2573,33014.9%6.75%$205,000

Frequently asked questions

14.9% of applications in Kennebec County were denied in 2025, against 16.3% statewide in Maine.

Kennebec Savings Bank, with 991 applications in 2025 and a denial rate of 8.9%.

The median mortgage application in Kennebec County in 2025 was for $205,000; the median property value on originated loans was $335,000.