Mortgage lending in Kennebec County, Maine
Lenders in Kennebec County, Maine reported 5,257 mortgage applications for 2025, according to the CFPB.
5,257 mortgage applications and 3,330 loans originated in 2025; the denial rate was 18.0% of 4,331 applications decided. The median loan was about $215,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Kennebec County, ME.
- 5,257
- Applications
- 3,330
- Loans originated
- 18.0%
- Denial rate
- 781 denied of 4,331 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 5,257 | 3,330 |
| 2024 | 4,564 | 2,950 |
| 2023 | 4,093 | 2,596 |
| 2022 | 5,384 | 3,543 |
| 2021 | 7,621 | 5,135 |
| 2020 | 6,613 | 4,471 |
| 2019 | 3,776 | 2,302 |
| 2018 | 3,376 | 1,984 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Kennebec Savings Bank | 770 | 991 |
| Maine State Credit Union | 232 | 314 |
| Guild Mortgage Company | 222 | 321 |
| Bangor Savings Bank | 213 | 284 |
| The Camden National Bank | 176 | 239 |
| United Wholesale Mortgage | 163 | 203 |
| Rocket Mortgage | 159 | 243 |
| CMG Mortgage Inc | 81 | 122 |
| Fairway Independent Mort Corp | 66 | 77 |
| Mortgage Research Center | 60 | 152 |
| T2 Financial LLC | 43 | 51 |
| Freedom Mortgage Corporation | 40 | 83 |
| Androscoggin Bank | 38 | 45 |
| cPort Credit Union | 37 | 45 |
| Northpoint Mortgage, Inc. | 37 | 53 |
| CUSO Mortgage Corporation | 34 | 52 |
| TD Bank | 31 | 56 |
| Pennymac Loan Services LLC | 30 | 60 |
| Guaranteed Rate, Inc. | 29 | 46 |
| First National Bank | 27 | 34 |
| Navy Federal Credit Union | 26 | 55 |
| Skowhegan Savings Bank | 26 | 55 |
| loanDepot.com LLC | 24 | 48 |
| Newrez LLC | 24 | 81 |
| Nationstar Mortgage | 24 | 32 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 38 | no rate: base under 50 |
| Asian | 43 | no rate: base under 50 |
| Black or African American | 55 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 4,263 | 17.1% of 3,561 decided |
| 2 or more minority races | under 10 | |
| Joint | 80 | 17.7% of 62 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 773 | 22.6% of 597 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 76 | 31.0% of 58 decided |
| Not Hispanic or Latino | 4,256 | 16.9% of 3,536 decided |
| Joint | withheld | |
| Ethnicity Not Available | 863 | 23.0% of 682 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,756 | 22.0% of 1,422 decided |
| Female | 1,099 | 20.7% of 922 decided |
| Joint | 1,841 | 11.9% of 1,556 decided |
| Sex Not Available | 561 | 21.1% of 431 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. 893 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