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refinance lenders · HMDA 2023–2025

Refinance lenders in Penobscot County, Maine

Fat Boy Data analyzed mortgage refinance 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. 1,368 applications were decided by 104 lenders between 2023 and 2025.

Penobscot County at a glance

104Active lenders19 with 20+ decisions
81.8%Market approval rate1,119 of 1,368 decided
$115KTypical loanmedian lender, $10K brackets
95%Borrower take-up1,058 loans funded

How Penobscot County compares

Approval rate compared
Penobscot County81.8%Maine81.4%All 616 counties76.5%
Typical loan compared
Penobscot County$115KMaine$205KAll 616 counties$295K

What the data shows

Bangor Savings Bank made the most mortgage refinances in Penobscot County, ME, 198 of them.

SEBASTICOOK VALLEY Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 100% of 23.

The typical mortgage refinance here is $115K, 44% smaller than the Maine typical of $205K.

Approval rate of all 19 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 29% approved of 24KeyBank National Association: 59% approved of 22Empeople Credit Union: 62% approved of 42The County Federal Credit Union: 65% approved of 20Mortgage Research Center, LLC: 69% approved of 36Bangor Savings Bank: 79% approved of 253Rocket Mortgage, LLC: 80% approved of 75TD Bank, National Association: 81% approved of 59Bangor Federal Credit Union: 83% approved of 65Lincoln Maine Federal Credit Union: 84% approved of 108KATAHDIN Federal Credit Union: 86% approved of 37Lakeview Loan Servicing, LLC: 87% approved of 23Machias Savings Bank: 87% approved of 31United Wholesale Mortgage, LLC: 90% approved of 90Pennymac Loan Services, LLC: 92% approved of 26Katahdin Trust Company: 93% approved of 28University Credit Union: 97% approved of 37Freedom Mortgage Corporation: 98% approved of 43SEBASTICOOK VALLEY Federal Credit Union: 100% approved of 23

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

Refinance lenders in Penobscot County

LenderApprovalApprovedTaken upTypical loanLoans made
1Bangor Savings Bank79%201 / 25399%$115K198
2Lincoln Maine Federal Credit Union84%91 / 10897%$85K88
3United Wholesale Mortgage, LLCBroker only90%81 / 9094%$285K76
4Rocket Mortgage, LLC80%60 / 7593%$215K56
5Bangor Federal Credit Union83%54 / 65100%$85K54

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 99 more lenders.

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You are seeing the 5 largest mortgage refinance lenders in Penobscot County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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Other lending data for Penobscot County

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Nearby markets

All lending in Penobscot CountyCounty overviewRefinance across MaineStatewide