Maine Community Bank mortgage approval rate & lending review
Maine Community Bank decided 968 mortgage applications and funded 816 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Maine Community Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Maine Community Bank at a glance
Approval is 8.4 points above the 77.1% 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 | 89% | 267 / 301 | 99% | $355K | 265 |
| Home improvement loans | 81% | 184 / 227 | 100% | $55K | 184 |
| Refinance | 80% | 142 / 177 | 99% | $155K | 140 |
| Investment property purchase | 88% | 134 / 153 | 99% | $285K | 132 |
| Investment refinance | 82% | 28 / 34 | 93% | $225K | 26 |
| Investment home improvement | 93% | 43 / 46 | 95% | $105K | 41 |
Maine Community Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Maine | 85% | $225K | 968 | 816 |
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 Maine Community Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| York County, ME | Mortgage lenders | 91% | 122 | 110 |
| Cumberland County, ME | Mortgage lenders | 89% | 115 | 101 |
| Cumberland County, ME | Home improvement loans | 82% | 105 | 86 |
| York County, ME | Home improvement loans | 80% | 76 | 61 |
| York County, ME | Refinance | 81% | 74 | 59 |
| York County, ME | Investment property purchase | 95% | 60 | 57 |
| Cumberland County, ME | Refinance | 75% | 73 | 54 |
| Androscoggin County, ME | Mortgage lenders | 84% | 55 | 46 |
| Androscoggin County, ME | Home improvement loans | 79% | 43 | 34 |
| Cumberland County, ME | Investment property purchase | 83% | 42 | 34 |
| Androscoggin County, ME | Investment property purchase | 81% | 36 | 28 |
| Androscoggin County, ME | Refinance | 86% | 22 | 19 |
The county markets where Maine Community Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Maine Community Bank
What is Maine Community Bank's mortgage approval rate?
Maine Community Bank approved 85.4% of the 968 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.4 points above the 77.1% national rate for the same mix of loan types.
How often do borrowers take the loan Maine Community Bank offers?
Borrowers accepted 99% of the loans Maine Community Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Maine Community Bank make?
The typical home purchase mortgage loan Maine Community Bank made was $355K; across all loan types its typical loan ran from $55K to $355K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Maine Community Bank lend?
Maine Community Bank decided applications in 1 of the states Fat Boy Data covers, most of them in Maine.
Can I apply to Maine Community Bank directly?
Yes. Maine Community Bank is a bank or credit union with 23 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Maine Community Bank'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 Maine Community Bank treats applications, then get a rate quote from the lender.