Lewiston-Auburn
Metropolitan Statistical Area · MSA Code 30340
According to CFPB HMDA 2024 application volume among tracked metros, Lewiston-Auburn ranks #351 of 418.
Mortgage lending activity in the Lewiston-Auburn metro area based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this geography during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Metro-area mortgage activity. The Lewiston-Auburn Metropolitan Statistical Area (MSA code 30340) financed its book at an average note rate of 7.14%. 20 major lenders are tracked for this metro - Guild Mortgage Company, Cmg Mortgage INC, United Wholesale Mortgage lead by origination volume. Among the 418 metros tracked, Lewiston-Auburn sits in the 70th percentile for approval-friendliness by denial rate, and shares its 5-point denial-rate band with 241 other tracked metros.
What MSA numbers tell you, and what they don't. Metro area boundaries are defined by the U.S. Office of Management and Budget and typically span multiple counties, so a single Lewiston-Auburn denial rate averages across urban core, inner suburbs, and outer commuter communities with very different borrower profiles. A 15.0% denial rate at the MSA level can coexist with widely varying individual-lender denial rates; $237,352 average loan size reflects the MSA's property values and the borrower pool that actually applied, not any single neighborhood. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Lewiston-Auburn
In Lewiston-Auburn, lead originator Guild Mortgage Company funded 10.3% of 2,451 originated loans, in the middle tercile of U.S. metros (~8.7-12.8% top-1). The top three reporters together hold 23.0% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Metros With a Similar Denial Rate
The metro areas closest to Lewiston-Auburn's 15.0% denial rate among all 418 tracked MSAs.
Metros With Similar Application Volume
Nationwide MSAs nearest to Lewiston-Auburn's 4,277 HMDA applications (deduped against the denial-rate neighbourhood).
Metros With a Similar Average Loan
Nationwide MSAs nearest to Lewiston-Auburn's $237,352 average loan (deduped against denial and volume peers).
Lenders active in the Lewiston-Auburn metro
Guild Mortgage Company funded 252 of the 2,451 loans originated here, 10.3% of the metro. 20 reporting lenders follow.
| # | Lender | Originated | Applications | Avg Loan | Market Share |
|---|---|---|---|---|---|
| 1 | Guild Mortgage Company | 252 | 341 | $296,701 | 10.3% |
| 2 | Cmg Mortgage INC | 159 | 240 | $300,417 | 6.5% |
| 3 | United Wholesale Mortgage | 153 | 185 | $299,054 | 6.2% |
| 4 | Bangor Savings Bank | 140 | 214 | $199,159 | 5.7% |
| 5 | Dirigo Federal Credit Union | 128 | 188 | $111,862 | 5.2% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For the Lewiston-Auburn metropolitan area, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- Metropolitan Statistical Areas are defined by the U.S. Office of Management and Budget (OMB). Not financial advice for Lewiston-Auburn 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.