Mortgage Approval and Denial Rates in Maine (2025 HMDA)
Mortgage denial rates in Maine: lenders acted on 56,679 mortgage applications in Maine in 2025 and denied 16.1% of them, down from 17.1% in 2024. The national denial rate was 17.7%.
Applications acted on
56,679
Loans originated
35,441
Denial rate
16.1%
Median loan
$215,000
Maine against the national picture
Most-reported denial reason in Maine: Debt-to-income ratio.
Counties ranked by denial rate
| County | Applications | Denial rate | Median loan |
|---|---|---|---|
| Aroostook County | 1,938 | 23.0% | $125,000 |
| Washington County | 1,087 | 22.6% | $145,000 |
| Oxford County | 2,468 | 18.5% | $205,000 |
| Waldo County | 1,777 | 18.5% | $205,000 |
| Hancock County | 2,282 | 17.8% | $205,000 |
| Somerset County | 1,822 | 17.7% | $165,000 |
| Piscataquis County | 734 | 17.3% | $165,000 |
| Knox County | 1,687 | 17.1% | $215,000 |
| Penobscot County | 5,744 | 16.8% | $175,000 |
| Franklin County | 1,055 | 16.6% | $205,000 |
| Androscoggin County | 4,192 | 15.9% | $225,000 |
| York County | 10,838 | 15.3% | $265,000 |
| Lincoln County | 1,611 | 15.1% | $225,000 |
| Kennebec County | 5,252 | 14.8% | $205,000 |
| Cumberland County | 12,761 | 14.1% | $285,000 |
| Sagadahoc County | 1,431 | 14.1% | $255,000 |
Find out what you'd be approved for in Maine
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Reading these numbers
The denial rate counts applications the lender acted on, so withdrawn files do not inflate it. A high rate does not automatically mean strict lenders: counties with many first-time or lower-income applicants tend to show higher denial rates because of debt-to-income and credit-history thresholds, which are the two reasons lenders report most often. Median loan amount and median applicant income are computed from the same application records, so they describe who is applying — not who ends up buying.
Source: Consumer Financial Protection Bureau, HMDA Data Browser (2025 loan application register). Latest observation 2026-08-23.