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mortgage lenders · HMDA 2023–2025

Mortgage lenders in Penobscot County, Maine

Fat Boy Data analyzed home purchase mortgage activity in Penobscot County, Maine to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 4,962 applications were decided by 200 lenders between 2023 and 2025.

Penobscot County at a glance

200Active lenders45 with 20+ decisions
86.7%Market approval rate4,303 of 4,962 decided
$235KTypical loanmedian lender, $10K brackets
97%Borrower take-up4,176 loans funded

How Penobscot County compares

Approval rate compared
Penobscot County86.7%Maine89.6%All 616 counties87.6%
Typical loan compared
Penobscot County$235KMaine$345KAll 616 counties$335K

What the data shows

Bangor Savings Bank made the most home purchase mortgages in Penobscot County, ME, 746 of them.

Primary Residential Mortgage, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 21.

The typical home purchase mortgage here is $235K, 32% smaller than the Maine typical of $345K.

Approval rate of all 45 lenders with 20+ decisions here
0%25%50%75%100%Triad Financial Services, Inc.: 37% approved of 5121St Mortgage Corporation: 40% approved of 30The County Federal Credit Union: 43% approved of 21Empeople Credit Union: 57% approved of 23Kind Lending, LLC: 62% approved of 24JPMorgan Chase Bank, National Association: 67% approved of 24New American Funding, LLC: 68% approved of 25Seaboard Federal Credit Union: 72% approved of 25Skowhegan Savings Bank: 73% approved of 22KATAHDIN Federal Credit Union: 74% approved of 23Bank of America, National Association: 75% approved of 20KeyBank National Association: 76% approved of 59Maine Savings Federal Credit Union: 76% approved of 242TD Bank, National Association: 77% approved of 47Lincoln Maine Federal Credit Union: 78% approved of 49USAA Federal Savings Bank: 81% approved of 47Cuso Mortgage Corporation: 81% approved of 188Rocket Mortgage, LLC: 82% approved of 180Katahdin Trust Company: 82% approved of 40Machias Savings Bank: 84% approved of 74Kennebec Savings Bank: 84% approved of 25U.S. Bank National Association: 87% approved of 23University Credit Union: 88% approved of 75Northern Mortgage Services, LLC: 88% approved of 25Embrace Home Loans, Inc.: 88% approved of 42Mortgage Research Center, LLC: 88% approved of 196Navy Federal Credit Union: 89% approved of 37The Camden National Bank: 89% approved of 149Bangor Savings Bank: 90% approved of 836United Wholesale Mortgage, LLC: 90% approved of 343Pennymac Loan Services, LLC: 90% approved of 42Leaderone Financial Corporation: 92% approved of 375Maine Highlands Federal Credit Union: 92% approved of 39Newrez LLC: 92% approved of 53Total Mortgage Services, LLC: 94% approved of 131NextMortgage, LLC: 94% approved of 136First National Bank: 94% approved of 52Fairway Independent Mortgage Corporation: 95% approved of 94Crosscountry Mortgage, LLC: 95% approved of 22Bar Harbor Bank & Trust: 96% approved of 27Acadia Federal Credit Union: 97% approved of 32Guild Mortgage Company LLC: 97% approved of 130Loandepot.Com, LLC: 97% approved of 33Cmg Mortgage, Inc.: 97% approved of 256Primary Residential Mortgage, Inc.: 100% approved of 21

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Mortgage lenders in Penobscot County

LenderApprovalApprovedTaken upTypical loanLoans made
1Bangor Savings Bank90%749 / 836100%$235K746
2Leaderone Financial Corporation92%346 / 375100%$245K346
3United Wholesale Mortgage, LLCBroker only90%309 / 34399%$255K307
4Cmg Mortgage, Inc.97%249 / 25691%$255K226
5Maine Savings Federal Credit Union76%185 / 24286%$175K160

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 195 more lenders.

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