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Oxford County, Maine · 2025

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

205 lenders acted on 2,469 mortgage applications for properties in Oxford County in 2025. 18.5% were denied (Maine: 16.3%). Median rate on closed loans 6.75%; median loan $205,000; median property value $355,000.

2.5kApplications
18.5%Denial ratestate 16.3%
6.75%Median ratestate 6.88%
$205,000Median loan
$355,000Median property value

Largest lenders in Oxford County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Norway Savings Bank B 257173 17.5%7.25%
2 CMG Mortgage A 148102 3.4%6.50%
3 Rocket Mortgage C 14387 30.8%6.75%
4 United Shore Financial Services B 12595 12.0%6.62%
5 Guild Mortgage A 11992 5.0%6.63%
6 Bangor Savings Bank B 11662 25.9%7.25%
7 Dirigo Federal Credit Union D 8356 24.1%—
8 TD Bank D 6037 25.0%7.49%
9 Mortgage Research Center C 5628 12.5%6.50%
10 The Camden National Bank A 4734 10.6%6.75%
11 Broker Solutions D 4614 17.4%6.88%
12 Loandepot.Com D 4424 27.3%6.93%
13 Lighthouse Federal Credit Union D 4221 33.3%7.19%
14 Evergreen Credit Union D 3920 28.2%6.50%
15 Newrez D 3812 21.1%6.75%
16 Maine Community Bank C 3524 17.1%—
17 T2 Financial B 3525 8.6%6.75%
18 Citizens Bank C 3323 21.2%7.15%
19 DAS Acquisition Company B 3224 18.8%6.04%
20 Guaranteed Rate B 3220 6.3%6.63%
21 Crosscountry Mortgage B 3022 3.3%6.63%
22 Coastal Community Bank C 297 0.0%11.49%
23 AmeriSave Mortgage D 267 65.4%8.50%
24 Nationstar Mortgage C 2516 16.0%6.94%
25 Cuso Mortgage C 2512 20.0%6.69%

Best approval odds in Oxford County

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

#LenderDecidedDecision denial rate
1CMG Mortgage1164.3%
2Guild Mortgage1015.9%
3United Shore Financial Services11113.5%
4Norway Savings Bank21820.6%
5Dirigo Federal Credit Union7626.3%
6TD Bank5228.9%
7Bangor Savings Bank9531.6%
8Rocket Mortgage13333.1%

What Oxford County borrowers applied for

By loan purpose

Home purchase 1,052 43% · 10.6% denied
Refinance 331 13% · 16.3% denied
Cash-out refinance 482 20% · 25.1% denied
Home improvement 289 12% · 26.6% denied
Other / HELOC 315 13% · 29.8% denied

By loan type

Conventional 1,865 76% · 19.0% denied
FHA 378 15% · 19.6% denied
VA 198 8% · 12.6% denied
USDA / RHS 28 1% · 14.3% denied

Why applications were denied

Debt-to-income ratio 141 33%
Collateral 94 22%
Credit history 80 19%
Incomplete application 44 10%
Other 35 8%
Unverifiable information 13 3%
Employment history 10 2%
Insufficient cash 8 2%
Mortgage insurance denied 1 0%

Oxford County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20231,9401,16818.3%7.13%$185,000
20242,2071,25720.3%7.00%$205,000
20252,4691,47118.5%6.75%$205,000

Frequently asked questions

18.5% of applications in Oxford County were denied in 2025, against 16.3% statewide in Maine.

Norway Savings Bank, with 257 applications in 2025 and a denial rate of 17.5%.

The median mortgage application in Oxford County in 2025 was for $205,000; the median property value on originated loans was $355,000.