ME · Statewide HMDA 2024
Maine mortgage lending
According to the CFPB HMDA 2024 Snapshot, 459 reporting lenders · 16 counties · 3 metros.
Volume rank is not origination-share rank
According to the CFPB HMDA 2024 Snapshot, Maine ranks #39 of 54 by application volume but #7 of 52 states with 10,000+ applications on origination share (57.9%). Wisconsin leads that origination-share board at 64.0% on 214,597 applications. Volume rank is not origination-share rank.
- #7
- Origination-share rank of 52
- 57.9%
- Origination share
- 31,816
- Originated
- 16.1%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among states and territories with 10,000+ applications (the same floor as the national denial board). See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
54,907reported applications
CFPB HMDA state filing plate
State ME · Maine 16.1% denial
VOL-LIGHT · DEN-MID · NEAR-PEER · ORIG-LOW · BOOK-FULL · LEAD-MIX
- VOL-LIGHT #39/54
- DEN-MID 16.1%
- NEAR-PEER Tennessee
- ORIG-LOW 57.9%
- BOOK-FULL 459 lenders
- LEAD-MIX 10% top
Photo-finish peer: Tennessee · 16.1% denial (+0.1pp vs Maine)
2024 HMDA Snapshot state sheet, volume rank, denial band, origination share, and reporter book. Informational reporting only.
Denial-rate neighbourhood · Maine
Poles and nearest peers by statewide HMDA denial rate, not a full state roster.
Nationwide states with similar HMDA denial rate or application volume
Two statewide peer sets for Maine: nearest jurisdictions by denial rate and by mortgage applications filed. These are cross-state neighborhoods, distinct from the denial-band chart above.
Similar denial rate
Nearest states by statewide denial rate (16.1% here).
Similar application volume
Nearest states by HMDA applications filed (54,907 here).
Top lenders by originations · Maine
Funded loans among HMDA-reporting institutions active in this state.
Where Maine sits by application volume
2024 CFPB HMDA states and territories, bucketed by mortgage applications filed
54,907 28th percentile higher than 28% of 54 states and territories
Each bar is a 150,000-applications band. The dashed line and filled bar mark this state. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act Snapshot National Loan-Level Dataset · 2024 reporting year
Top counties by originations · Maine
In-state county volume from the same HMDA county board linked below.
How to read this state sheet. Maine filed 54,907 HMDA-reported applications in 2024 (#39 of 54 by volume) with a 16.1% denial rate - near the national 17.2% baseline. White applicants (41,511 apps) show 16.1% denial; Black or African American applicants (853 apps) show 22.5% denial - rates on groups below 100 applications are marked too small to read. This page is informational data reporting, not financial, legal, or mortgage advice.
Nearby Lenders in Maine
Top HMDA-reporting lenders active in Maine. Compare any two side-by-side for rates, denial rates, and loan mix.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Bangor Savings Bank | 3,032 | 9.5% |
| 2 | United Wholesale Mortgage | 1,690 | 5.3% |
| 3 | The Camden National Bank | 1,582 | 5.0% |
| 4 | Rocket Mortgage | 1,472 | 4.6% |
| 5 | Guild Mortgage Company | 1,343 | 4.2% |
Reported outcomes by applicant race in Maine
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 41,511 | 63.3% | 16.1% |
| Black or African American | 853 | 50.3% | 22.5% |
| Joint | 775 | 64.9% | 14.1% |
| Asian | 605 | 56.0% | 19.5% |
| American Indian or Alaska Native | 257 | 47.5% | 26.9% |
| Native Hawaiian or Other Pacific Islander | 48 | 52.1% | 27.1%sample too small to read |
| 2 or more minority races | 44 | 47.7% | 25.0%sample too small to read |
Every county in Maine, by lending volume
County totals sum the filings geocoded to that county, so they reconcile to the state row above rather than to any single lender's book.
| County | Applications | Originated | Denial Rate | Avg Loan |
|---|---|---|---|---|
| Cumberland County | 11,997 | 7,240 | 13.9% | $326,316 |
| York County | 10,690 | 6,147 | 16.1% | $293,580 |
| Penobscot County | 5,571 | 3,313 | 16.5% | $191,184 |
| Kennebec County | 4,866 | 2,950 | 14.2% | $209,367 |
| Androscoggin County | 4,277 | 2,451 | 15.0% | $237,352 |
| Oxford County | 2,342 | 1,257 | 19.1% | $236,285 |
| Hancock County | 2,318 | 1,382 | 18.2% | $263,947 |
| Aroostook County | 1,933 | 1,077 | 21.7% | $139,056 |
| Somerset County | 1,769 | 1,002 | 17.8% | $177,120 |
| Waldo County | 1,628 | 880 | 19.1% | $213,943 |
| Knox County | 1,557 | 879 | 17.0% | $262,502 |
| Lincoln County | 1,450 | 839 | 15.3% | $256,041 |
| Sagadahoc County | 1,400 | 804 | 15.7% | $263,257 |
| Washington County | 1,037 | 566 | 21.4% | $166,080 |
| Franklin County | 996 | 565 | 15.3% | $239,558 |
| Piscataquis County | 746 | 435 | 16.1% | $172,815 |
Metro Areas in Maine
Frequently Asked Questions
How many mortgage applications were filed in Maine?
Where does Maine sit among U.S. states for mortgage volume?
What is the mortgage denial rate in Maine?
What is the average mortgage loan amount in Maine?
How many mortgage lenders operate in Maine?
How do mortgage denial rates vary by demographics in Maine?
Which counties in Maine have the most mortgage activity?
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. State geography per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Demographic data reflects derived categories as reported by applicants. 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. 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.