Mortgage lending in Waldo County, Maine
Lenders in Waldo County, Maine reported 1,777 mortgage applications for 2025, according to the CFPB.
1,777 mortgage applications and 1,084 loans originated in 2025; the denial rate was 22.3% of 1,473 applications decided. The median loan was about $205,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Waldo County, ME.
- 1,777
- Applications
- 1,084
- Loans originated
- 22.3%
- Denial rate
- 328 denied of 1,473 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,777 | 1,084 |
| 2024 | 1,535 | 880 |
| 2023 | 1,298 | 741 |
| 2022 | 1,865 | 1,205 |
| 2021 | 2,664 | 1,669 |
| 2020 | 2,388 | 1,553 |
| 2019 | 1,789 | 1,137 |
| 2018 | 1,651 | 969 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Bangor Savings Bank | 163 | 246 |
| The Camden National Bank | 125 | 193 |
| Rocket Mortgage | 66 | 102 |
| First National Bank | 65 | 77 |
| United Wholesale Mortgage | 52 | 77 |
| CMG Mortgage Inc | 49 | 62 |
| Maine Savings Federal Credit Union | 36 | 63 |
| Fairway Independent Mort Corp | 35 | 48 |
| Kennebec Savings Bank | 32 | 42 |
| Mortgage Research Center | 24 | 44 |
| Seaboard Federal Credit Union | 23 | 32 |
| Maine State Credit Union | 21 | 36 |
| Guild Mortgage Company | 19 | 23 |
| Navy Federal Credit Union | 17 | 31 |
| CUSO Mortgage Corporation | 16 | 29 |
| Nationstar Mortgage | 13 | 16 |
| TD Bank | 12 | 21 |
| Keybank National Association | 12 | 20 |
| Sebasticook Valley Fcu | 10 | 10 |
| University Credit Union | 9 | 14 |
| loanDepot.com LLC | 9 | 15 |
| New American Funding, LLC. | 9 | 22 |
| Freedom Mortgage Corporation | 9 | 23 |
| Machias Savings Bank | 9 | 14 |
| Total Mortgage Services, LLC | 9 | 16 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 14 | no rate: base under 50 |
| Asian | under 10 | |
| Black or African American | under 10 | |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,494 | 22.1% of 1,251 decided |
| Joint | 24 | no rate: base under 50 |
| Race Not Available | 229 | 24.4% of 176 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 23 | no rate: base under 50 |
| Not Hispanic or Latino | 1,497 | 21.7% of 1,247 decided |
| Joint | 17 | no rate: base under 50 |
| Ethnicity Not Available | 240 | 25.3% of 190 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 593 | 23.7% of 476 decided |
| Female | 394 | 27.8% of 334 decided |
| Joint | 648 | 16.3% of 558 decided |
| Sex Not Available | 142 | 29.5% of 105 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. 1005 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