Maine · HMDA 2025
Mortgage lenders in Penobscot County, ME
231 lenders reported 6,236 home-loan applications in Penobscot County in 2025. 3,699 closed as loans ($793.3M), 965 were denied — a 20.0% denial rate on decided applications, close to the Maine rate of 19.7%. The three most active lenders handled 26% of applications, led by Bangor Savings Bank. 19 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 6,236
- Loans originated
- 3,699
- Purchase / refinance
- 1,755 / 1,152
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Penobscot County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Bangor Savings Bank 55 out of 100, Moderate | 821 | 13.2% | 19.7% |
| 2 | Maine Savings Federal Credit Union 47 out of 100, Below average | 477 | 7.6% | 20.1% |
| 3 | UNITED SHORE FINANCIAL SERVICES, LLC | 313 | 5.0% | — |
| 4 | Rocket Mortgage, LLC | 306 | 4.9% | — |
| 5 | The Camden National Bank 69 out of 100, Moderate | 220 | 3.5% | 16.7% |
| 6 | PENNYMAC LOAN SERVICES, LLC | 200 | 3.2% | — |
| 7 | Mortgage Research Center, LLC | 162 | 2.6% | — |
| 8 | CMG MORTGAGE, INC. | 150 | 2.4% | — |
| 9 | LEADERONE FINANCIAL CORPORATION | 134 | 2.1% | — |
| 10 | NEWREZ LLC | 133 | 2.1% | — |
| 11 | TD Bank, National Association 63 out of 100, Moderate | 131 | 2.1% | 35.3% |
| 12 | Machias Savings Bank 73 out of 100, Strong | 131 | 2.1% | 23.7% |
| 13 | FREEDOM MORTGAGE CORPORATION | 128 | 2.1% | — |
| 14 | University Credit Union | 103 | 1.7% | — |
| 15 | CUSO MORTGAGE CORPORATION | 100 | 1.6% | — |
| 16 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 98 | 1.6% | 14.1% |
| 17 | Acadia Federal Credit Union 60 out of 100, Moderate | 90 | 1.4% | 0.9% |
| 18 | NATIONSTAR MORTGAGE LLC | 88 | 1.4% | — |
| 19 | AmeriSave Mortgage Corporation | 84 | 1.3% | — |
| 20 | TOTAL MORTGAGE SERVICES, LLC | 83 | 1.3% | — |
| 21 | LINCOLN MAINE FEDERAL CREDIT UNION 78 out of 100, Strong | 80 | 1.3% | 15.9% |
| 22 | First National Bank 64 out of 100, Moderate | 76 | 1.2% | 9.9% |
| 23 | Empeople Credit Union 58 out of 100, Moderate | 72 | 1.2% | 25.7% |
| 24 | Broker Solutions, Inc. | 68 | 1.1% | — |
| 25 | Loandepot.Com, LLC | 63 | 1.0% | — |
| 26 | The County Federal Credit Union 66 out of 100, Moderate | 63 | 1.0% | 35.6% |
| 27 | SEBASTICOOK VALLEY Federal Credit Union 84 out of 100, Strong | 62 | 1.0% | 1.4% |
| 28 | GUILD MORTGAGE COMPANY | 61 | 1.0% | — |
| 29 | Bangor Federal Credit Union 67 out of 100, Moderate | 60 | 1.0% | 15.3% |
| 30 | Bar Harbor Bank & Trust 73 out of 100, Strong | 59 | 0.9% | 25.5% |
| 31 | KeyBank National Association 63 out of 100, Moderate | 57 | 0.9% | 32.8% |
| 32 | Navy Federal Credit Union 66 out of 100, Moderate | 54 | 0.9% | 32.9% |
| 33 | NEW DAY FINANCIAL, LLC | 54 | 0.9% | — |
| 34 | SEABOARD FEDERAL CREDIT UNION 57 out of 100, Moderate | 49 | 0.8% | 27.4% |
| 35 | Fairway Independent Mortgage Corporation | 41 | 0.7% | — |
| 36 | NextMortgage, LLC | 41 | 0.7% | — |
| 37 | Bank of America, National Association 59 out of 100, Moderate | 39 | 0.6% | 44.7% |
| 38 | FIGURE LENDING LLC | 39 | 0.6% | — |
| 39 | Katahdin Trust Company 66 out of 100, Moderate | 39 | 0.6% | 17.6% |
| 40 | AMERIHOME MORTGAGE COMPANY, LLC | 37 | 0.6% | — |
Top 40 of 231 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Maine
- Cumberland County 13,770 apps
- York County 11,855 apps
- Kennebec County 5,684 apps
- Androscoggin County 4,588 apps
- Oxford County 2,673 apps
- Hancock County 2,442 apps
- Aroostook County 2,045 apps
- Somerset County 1,988 apps
- Waldo County 1,913 apps
- Knox County 1,792 apps
- Lincoln County 1,742 apps
- Sagadahoc County 1,570 apps