Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Cumberland County, Maine
Every institution that decided a 1–4 unit mortgage application in Cumberland County, home to Portland, between 2023 and 2025: 23,820 applications, 19,306 loans actually funded, across 8 kinds of borrowing.
Cumberland County at a glance
23,820Applications decided
2023–2025
19,306Loans funded
81% of decisions
80Census tracts
27 ZIP codes
305,940People
ACS 2023
What the data shows
The typical purchase mortgage here is $405K.
Investment home improvement is the hardest money to get here: lenders approved 69% of 371 applications.
Lending by loan type in Cumberland County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 90.9% | 9,907 | $405K | 97% | 280 |
| Home improvement loans | 77.8% | 4,846 | $95K | 96% | 105 |
| Cash-out refinance | 74.5% | 3,607 | $175K | 96% | 178 |
| Refinance | 80.4% | 2,945 | $235K | 96% | 174 |
| Investment property purchase | 90.3% | 1,580 | $395K | 98% | 190 |
| Investment cash-out refinance | 74.6% | 280 | $275K | 94% | 81 |
| Investment refinance | 76.8% | 284 | $305K | 97% | 94 |
| Investment home improvement | 68.7% | 371 | $175K | 96% | 66 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.