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York County, Maine · 2025

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

327 lenders acted on 10,849 mortgage applications for properties in York County in 2025. 15.3% were denied (Maine: 16.3%). Median rate on closed loans 6.88%; median loan $265,000; median property value $515,000.

11kApplications
15.3%Denial ratestate 16.3%
6.88%Median ratestate 6.88%
$265,000Median loan
$515,000Median property value

Largest lenders in York County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 CMG Mortgage A 837570 3.0%6.63%
2 United Shore Financial Services B 560452 7.5%6.50%
3 Bangor Savings Bank B 513357 15.0%6.99%
4 Lighthouse Federal Credit Union D 437246 28.6%7.50%
5 Rocket Mortgage C 433299 21.5%6.88%
6 Kennebunk Savings Bank D 423255 23.4%—
7 The Camden National Bank A 362276 7.7%6.80%
8 Atlantic Regional Federal Credit Union D 327219 13.8%7.99%
9 Town & Country Federal Credit Union C 265187 18.5%7.24%
10 Guild Mortgage A 245169 6.5%6.63%
11 Maine Community Bank C 238185 12.2%—
12 Sis Bancorp, MHC B 235196 6.8%7.50%
13 TD Bank D 231120 22.5%7.34%
14 Bank of America F 18687 28.0%6.13%
15 Citizens Bank C 175112 20.6%7.40%
16 Newrez D 16450 18.9%6.69%
17 Service Federal Credit Union C 155101 21.9%6.49%
18 Freedom Mortgage B 15468 9.7%6.25%
19 Peopleschoice Credit Union D 15375 11.1%—
20 Crosscountry Mortgage B 14989 5.4%6.88%
21 Navy Federal Credit Union D 14872 16.2%7.50%
22 Saco & Biddeford Savings Institution C 142102 7.8%—
23 Broker Solutions D 13662 10.3%6.63%
24 Loandepot.Com D 13080 20.0%6.75%
25 Mortgage Research Center C 12258 15.6%6.25%

Best approval odds in York County

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

#LenderDecidedDecision denial rate
1Northpoint Mortgage1063.8%
2CMG Mortgage6503.9%
3Coastal Community Bank694.4%
4Truchoice Federal Credit Union946.4%
5Sis Bancorp, MHC2137.5%
6Crosscountry Mortgage978.3%
7Guild Mortgage1948.3%
8Saco Valley Credit Union608.3%
9United Shore Financial Services5018.4%
10The Camden National Bank3119.0%

What York County borrowers applied for

By loan purpose

Home purchase 4,102 38% · 7.6% denied
Refinance 1,745 16% · 12.8% denied
Cash-out refinance 1,961 18% · 19.8% denied
Home improvement 1,543 14% · 23.3% denied
Other / HELOC 1,498 14% · 24.8% denied

By loan type

Conventional 9,292 86% · 15.2% denied
FHA 895 8% · 18.3% denied
VA 626 6% · 11.0% denied
USDA / RHS 36 0% · 22.2% denied

Why applications were denied

Debt-to-income ratio 531 36%
Collateral 272 18%
Credit history 265 18%
Incomplete application 180 12%
Other 146 10%
Unverifiable information 43 3%
Insufficient cash 28 2%
Employment history 12 1%
Mortgage insurance denied 1 0%

York County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20238,9455,54118.2%7.13%$205,000
202410,0136,14717.2%7.13%$245,000
202510,8496,77615.3%6.88%$265,000

Frequently asked questions

15.3% of applications in York County were denied in 2025, against 16.3% statewide in Maine.

CMG Mortgage, with 837 applications in 2025 and a denial rate of 3.0%.

The median mortgage application in York County in 2025 was for $265,000; the median property value on originated loans was $515,000.