Largest lenders in Lincoln County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | First National Bank | C | 250 | 206 | 7.2% | 7.50% |
| 2 | The Camden National Bank | A | 161 | 106 | 17.4% | 6.99% |
| 3 | Bangor Savings Bank | B | 107 | 74 | 21.5% | 7.06% |
| 4 | Rocket Mortgage | C | 66 | 48 | 21.2% | 6.99% |
| 5 | First Federal Savings and Loan Association of Bath | A | 58 | 48 | 1.7% | — |
| 6 | CMG Mortgage | A | 54 | 38 | 13.0% | 6.56% |
| 7 | Kennebec Savings Bank | B | 43 | 35 | 2.3% | 6.95% |
| 8 | United Shore Financial Services | B | 41 | 30 | 7.3% | 6.46% |
| 9 | Guild Mortgage | A | 35 | 26 | 11.4% | 6.62% |
| 10 | Bath Savings Institution | C | 34 | 24 | 14.7% | 7.00% |
| 11 | Maine State Credit Union | D | 33 | 19 | 36.4% | — |
| 12 | Fairway Independent Mortgage | B | 30 | 21 | 0.0% | 6.63% |
| 13 | Mortgage Research Center | C | 30 | 14 | 16.7% | 6.25% |
| 14 | Freedom Mortgage | B | 27 | 10 | 0.0% | 6.13% |
| 15 | Newrez | D | 27 | 9 | 14.8% | 6.63% |
| 16 | Pennymac Loan Services | C | 25 | 14 | 12.0% | 7.12% |
| 17 | Broker Solutions | D | 23 | 13 | 8.7% | 6.88% |
| 18 | Navy Federal Credit Union | D | 23 | 16 | 4.4% | 6.31% |
| 19 | T2 Financial | B | 21 | 13 | 9.5% | 6.99% |
| 20 | Loandepot.Com | D | 18 | 8 | 44.4% | 8.31% |
| 21 | Coastal Community Bank | C | 17 | 3 | 5.9% | 11.74% |
| 22 | Bank of America | F | 16 | 5 | 18.8% | 6.24% |
| 23 | AmeriSave Mortgage | D | 16 | 2 | 87.5% | 8.13% |
| 24 | Cuso Mortgage | C | 16 | 9 | 31.3% | 6.75% |
| 25 | Sofi Bank | D | 16 | 2 | 18.8% | 7.84% |
Best approval odds in Lincoln County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | First Federal Savings and Loan Association of Bath | 51 | 2.0% |
| 2 | First National Bank | 229 | 7.9% |
| 3 | The Camden National Bank | 134 | 20.9% |
| 4 | Rocket Mortgage | 62 | 22.6% |
| 5 | Bangor Savings Bank | 97 | 23.7% |
What Lincoln County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Lincoln County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,213 | 755 | 15.9% | 7.25% | $195,000 |
| 2024 | 1,357 | 839 | 16.4% | 7.38% | $205,000 |
| 2025 | 1,613 | 1,037 | 15.1% | 6.99% | $225,000 |
Frequently asked questions
15.1% of applications in Lincoln County were denied in 2025, against 16.3% statewide in Maine.
First National Bank, with 250 applications in 2025 and a denial rate of 7.2%.
The median mortgage application in Lincoln County in 2025 was for $225,000; the median property value on originated loans was $435,000.