Cumberland County mortgage approval rate & lending review
Cumberland County decided 435 mortgage applications and funded 377 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Cumberland County reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Cumberland County at a glance
Approval is 20.8 points above the 70.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 99% | 69 / 70 | 93% | $235K | 64 |
| Home improvement loans | 91% | 151 / 166 | 96% | $55K | 145 |
| Cash-out refinance | 88% | 131 / 149 | 96% | $85K | 126 |
| Refinance | 89% | 40 / 45 | 92% | $95K | 37 |
Cumberland County lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Maine | 91% | $85K | 435 | 377 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Cumberland County lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Cumberland County, ME | Home improvement loans | 91% | 152 | 134 |
| Cumberland County, ME | Cash-out refinance | 88% | 128 | 109 |
| Cumberland County, ME | Mortgage lenders | 98% | 43 | 39 |
| Cumberland County, ME | Refinance | 88% | 40 | 33 |
The county markets where Cumberland County made the most loans. Each link opens that market with every lender ranked.
Questions about Cumberland County
What is Cumberland County's mortgage approval rate?
Cumberland County approved 91.0% of the 435 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 20.8 points above the 70.2% national rate for the same mix of loan types.
How often do borrowers take the loan Cumberland County offers?
Borrowers accepted 95% of the loans Cumberland County approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Cumberland County make?
The typical home improvement loan loan Cumberland County made was $55K; across all loan types its typical loan ran from $55K to $235K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Cumberland County lend?
Cumberland County decided applications in 1 of the states Fat Boy Data covers, most of them in Maine.
Can I apply to Cumberland County directly?
Yes. Cumberland County is a bank or credit union with 6 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Cumberland County's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Cumberland County treats applications, then get a rate quote from the lender.