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refinance lenders · HMDA 2023–2025

Refinance lenders in Cumberland County, Maine

Fat Boy Data analyzed mortgage refinance activity in Cumberland County, Maine, home to Portland, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 2,945 applications were decided by 174 lenders between 2023 and 2025.

Cumberland County at a glance

174Active lenders33 with 20+ decisions
80.4%Market approval rate2,369 of 2,945 decided
$235KTypical loanmedian lender, $10K brackets
96%Borrower take-up2,266 loans funded

How Cumberland County compares

Approval rate compared
Cumberland County80.4%Maine81.4%All 616 counties76.5%
Typical loan compared
Cumberland County$235KMaine$205KAll 616 counties$295K

What the data shows

Bangor Savings Bank made the most mortgage refinances in Cumberland County, ME, 249 of them.

University Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 100% of 28.

The typical mortgage refinance here is $235K, 15% larger than the Maine typical of $205K.

Approval rate of all 33 lenders with 20+ decisions here
0%25%50%75%100%One lender: 36% approved of 42One lender: 50% approved of 40One lender: 62% approved of 65One lender: 65% approved of 40One lender: 66% approved of 97One lender: 69% approved of 39Empeople Credit Union: 73% approved of 153One lender: 74% approved of 90One lender: 75% approved of 24One lender: 75% approved of 73Bangor Savings Bank: 77% approved of 331One lender: 79% approved of 34One lender: 80% approved of 108One lender: 84% approved of 32TD Bank, National Association: 84% approved of 258One lender: 85% approved of 27One lender: 85% approved of 34One lender: 85% approved of 117One lender: 86% approved of 36One lender: 88% approved of 40One lender: 88% approved of 24One lender: 88% approved of 25United Wholesale Mortgage, LLC: 91% approved of 193One lender: 91% approved of 35One lender: 93% approved of 103One lender: 93% approved of 30One lender: 95% approved of 20One lender: 95% approved of 22One lender: 96% approved of 23One lender: 96% approved of 53Guild Mortgage Company LLC: 97% approved of 136One lender: 98% approved of 41One lender: 100% approved of 28

Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.

Refinance lenders in Cumberland County

LenderApprovalApprovedTaken upTypical loanLoans made
1Bangor Savings Bank77%256 / 33197%$235K249
2TD Bank, National Association84%218 / 25899%$145K216
3United Wholesale Mortgage, LLCBroker only91%175 / 193100%$405K175
4Empeople Credit Union73%111 / 153100%$155K111
5Guild Mortgage Company LLC97%132 / 13694%$395K124

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

Fat Boy found 169 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest mortgage refinance lenders in Cumberland County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.

  • Every lender in the market
  • Approval rate and borrower take-up
  • Typical loan size and range
  • Nearest office and distance
  • Branch count and application options
  • How easy each lender is to reach

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