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2024 data HMDA 2024 disclosure official source

Piscataquis County

746 mortgage applications, 16.1% denial rate. Verify FIPS 23021 with U.S. Census Bureau →

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Maine · FIPS 23021

Local mortgage market. Piscataquis County, Maine saw 746 HMDA-reported mortgage applications in 2024. Lenders originated 435 of those loans and denied 120, producing a denial rate of 16.1% and an approval (origination) rate of 58.3%. The average loan amount was $172,815 at an average note rate of 7.41%, with applicants self-reporting average annual income of $37K. 94 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.7x, meaning typical borrowers took on mortgages of about 4.7 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.

FIPS 23021 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

746
Applications
435
Originated
16.1%
Denial Rate
58.3%
Approval Rate
$172,815
Avg Loan Amount
7.41%
Avg Interest Rate
$37K
Avg Applicant Income
4.7x
Loan-to-Income Ratio

Nearby Lenders in Piscataquis County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Bangor Savings Bank 78 17.9%
2 The Camden National Bank 41 9.4%
3 Rocket Mortgage 40 9.2%
4 Maine Savings Federal Credit Union 24 5.5%
5 Maine Highlands Federal Credit Unon 20 4.6%
Compare Bangor Savings Bank vs The Camden National Bank →

Frequently Asked Questions

How many mortgage applications were filed in Piscataquis County?
In the 2024 HMDA reporting year, 746 mortgage applications were filed in Piscataquis County, Maine. Of these, 435 were originated (approved and funded), while 120 were denied, resulting in a denial rate of 16.1%.
What is the mortgage denial rate in Piscataquis County?
The mortgage denial rate in Piscataquis County is 16.1%. The approval (origination) rate is 58.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Piscataquis County?
The average mortgage loan amount in Piscataquis County is $172,815. The average interest rate is 7.410%. The average applicant income is $37K.
What is the loan-to-income ratio in Piscataquis County?
The average loan-to-income ratio in Piscataquis County is 4.7x, meaning borrowers took on loans averaging 4.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Piscataquis County?
The top mortgage lenders in Piscataquis County by origination volume are Bangor Savings Bank, The Camden National Bank, Rocket Mortgage. In total, 94 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.