Lincoln County
Maine · FIPS 23015
According to CFPB HMDA 2024 application volume among U.S. counties, Lincoln County ranks #1,147 of 3,223, and #12 of 16 in Maine.
Mortgage lending activity in Lincoln County, Maine based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Lincoln County, Maine lenders denied 222 of the applications reported here, financing the rest at an average note rate of 7.45%, with applicants self-reporting average annual income of $36K. 109 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 7.1x, meaning typical borrowers took on mortgages of about 7.1 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Lincoln County
In Lincoln County, lead originator First National Bank funded 22.2% of 839 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 41.0% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Lincoln County's 1,450 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Lincoln County's $256,041 average loan (deduped against volume peers).
Lenders active in Lincoln County
First National Bank funded 186 of the 839 loans originated in Lincoln County, 22.2% of the county. 109 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | First National Bank | 186 | 22.2% |
| 2 | Bangor Savings Bank | 79 | 9.4% |
| 3 | The Camden National Bank | 79 | 9.4% |
| 4 | Rocket Mortgage | 42 | 5.0% |
| 5 | First Federal Savings and Loan Assocation of Bath | 32 | 3.8% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Lincoln County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Lincoln County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.