Mortgage lending in Penobscot County, Maine
Lenders in Penobscot County, Maine reported 5,746 mortgage applications for 2025, according to the CFPB.
5,746 mortgage applications and 3,699 loans originated in 2025; the denial rate was 20.0% of 4,829 applications decided. The median loan was about $185,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Bangor, ME HUD Metro FMR Area, Penobscot County, ME (part) HUD Metro FMR Area.
- 5,746
- Applications
- 3,699
- Loans originated
- 20.0%
- Denial rate
- 965 denied of 4,829 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 5,746 | 3,699 |
| 2024 | 5,211 | 3,313 |
| 2023 | 4,607 | 2,906 |
| 2022 | 5,909 | 3,846 |
| 2021 | 8,027 | 5,485 |
| 2020 | 7,836 | 5,531 |
| 2019 | 5,714 | 3,886 |
| 2018 | 5,141 | 3,403 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Bangor Savings Bank | 613 | 821 |
| Maine Savings Federal Credit Union | 321 | 477 |
| United Wholesale Mortgage | 230 | 312 |
| Rocket Mortgage | 215 | 303 |
| The Camden National Bank | 145 | 220 |
| Leaderone Financial Corp. | 112 | 132 |
| Machias Savings Bank | 103 | 131 |
| CMG Mortgage Inc | 91 | 121 |
| Acadia Federal Credit Union | 90 | 90 |
| CUSO Mortgage Corporation | 81 | 100 |
| Mortgage Research Center | 77 | 162 |
| University Credit Union | 73 | 103 |
| Total Mortgage Services, LLC | 68 | 82 |
| Pennymac Loan Services LLC | 65 | 117 |
| Sebasticook Valley Fcu | 61 | 62 |
| First National Bank | 59 | 76 |
| Lincoln Maine Federal CR Union | 59 | 80 |
| Freedom Mortgage Corporation | 50 | 102 |
| TD Bank | 49 | 110 |
| Bangor Federal Credit Union | 48 | 60 |
| Guild Mortgage Company | 44 | 56 |
| Bar Harbor Bank & Trust | 44 | 59 |
| Nationstar Mortgage | 37 | 49 |
| Keybank National Association | 37 | 57 |
| Seaboard Federal Credit Union | 36 | 49 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 59 | 30.0% of 50 decided |
| Asian | 86 | 18.9% of 74 decided |
| Black or African American | 59 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 4,671 | 18.7% of 3,964 decided |
| 2 or more minority races | under 10 | |
| Joint | 74 | 15.9% of 69 decided |
| Race Not Available | 789 | 27.3% of 616 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 4,706 | 18.6% of 4,011 decided |
| Joint | 85 | 23.5% of 68 decided |
| Ethnicity Not Available | 879 | 26.9% of 698 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,912 | 22.3% of 1,600 decided |
| Female | 1,237 | 22.1% of 1,030 decided |
| Joint | 2,014 | 14.8% of 1,744 decided |
| Sex Not Available | 583 | 26.8% of 455 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. 1259 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