Mortgage lending in Cumberland County, Maine
Lenders in Cumberland County, Maine reported 12,764 mortgage applications for 2025, according to the CFPB.
12,764 mortgage applications and 8,187 loans originated in 2025; the denial rate was 17.5% of 10,282 applications decided. The median loan was about $305,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Cumberland County, ME (part) HUD Metro FMR Area, Portland, ME HUD Metro FMR Area.
- 12,764
- Applications
- 8,187
- Loans originated
- 17.5%
- Denial rate
- 1,799 denied of 10,282 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 12,764 | 8,187 |
| 2024 | 11,259 | 7,241 |
| 2023 | 10,504 | 6,674 |
| 2022 | 15,012 | 9,938 |
| 2021 | 25,429 | 17,880 |
| 2020 | 26,965 | 18,873 |
| 2019 | 17,345 | 11,447 |
| 2018 | 14,541 | 9,518 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Bangor Savings Bank | 838 | 1,163 |
| United Wholesale Mortgage | 583 | 722 |
| Evergreen Credit Union | 409 | 550 |
| Town and Country Federal Credi | 394 | 566 |
| Guild Mortgage Company | 368 | 515 |
| Rocket Mortgage | 305 | 424 |
| CMG Mortgage Inc | 300 | 462 |
| The Camden National Bank | 300 | 399 |
| TD Bank | 277 | 460 |
| Norway Savings Bank | 266 | 387 |
| Maine Community Bank | 244 | 350 |
| Androscoggin Bank | 185 | 226 |
| Cumberland County Federal Credit Union | 179 | 241 |
| New American Funding, LLC. | 167 | 258 |
| Crosscountry Mortgage, LLC | 158 | 213 |
| Empeople Credit Union | 144 | 246 |
| TruChoice FCU | 110 | 135 |
| Bank of America NA | 110 | 285 |
| US Bank, N.A. | 109 | 154 |
| Northpoint Mortgage, Inc. | 91 | 114 |
| Bath Savings Institution | 91 | 143 |
| Total Mortgage Services, LLC | 87 | 126 |
| Guaranteed Rate, Inc. | 84 | 156 |
| Kennebec Savings Bank | 82 | 101 |
| Nationstar Mortgage | 80 | 116 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 38 | no rate: base under 50 |
| Asian | 212 | 20.6% of 165 decided |
| Black or African American | 239 | 28.6% of 185 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 10,000 | 15.9% of 8,172 decided |
| 2 or more minority races | 10 | no rate: base under 50 |
| Joint | 241 | 15.6% of 192 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 2,014 | 23.9% of 1,523 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 187 | 21.4% of 140 decided |
| Not Hispanic or Latino | 10,225 | 16.4% of 8,344 decided |
| Joint | withheld | |
| Ethnicity Not Available | 2,179 | 22.8% of 1,664 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 3,608 | 20.7% of 2,866 decided |
| Female | 2,647 | 18.6% of 2,146 decided |
| Joint | 5,111 | 13.1% of 4,208 decided |
| Sex Not Available | 1,398 | 24.2% of 1,062 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 263 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved