Maine’s FHA denial rate in 2025 was 23.8% across 4,617 decisioned applications — ranking #18 of 52 states. Among high-volume lenders, the lowest observed denial rate was Bangor Savings Bank at 7.7%; the highest was Amerisave Mortgage Company at 81.6%. The institutional spread inside Maine is 10.6×: the same FHA application faces a 7.7% observed denial rate at one high-volume door and 81.6% at another — two real endpoints of the federal record, same state, same program. Source: complete CFPB HMDA 2025 federal record.
Cells require 100+ decisioned applications. Sorted softest first. Observed rates — not endorsements.
| Lender | Maine FHA apps | Denial rate |
|---|---|---|
| Bangor Savings Bank | 156 | 7.7% |
| Guild Mortgage Company | 407 | 8.4% |
| Cmg Mortgage Inc | 300 | 9.7% |
| United Wholesale Mortgage | 494 | 15.2% |
| Freedom Mortgage Corporation | 198 | 18.2% |
| Pennymac Loan Services LLC | 112 | 19.6% |
| Mutual Of Omaha Mortgage | 120 | 25.0% |
| Rocket Mortgage | 461 | 35.6% |
| New American Funding, LLC. | 136 | 40.4% |
| Lakeview Loan Servicing, LLC | 111 | 44.1% |
| Loandepot.Com LLC | 130 | 50.8% |
| Newrez LLC | 109 | 56.0% |
| Amerisave Mortgage Company | 152 | 81.6% |
Applications under $150K were denied 48.9% of the time versus 18.3% for loans of $250K+ — a 2.7× penalty on the smallest loans. National context: the small-loan penalty.
The Home Mortgage Disclosure Act requires every U.S. mortgage lender to report every application — outcome, amount, and denial reason — to federal regulators annually. It is government-verified, covers all lenders equally, and cannot be gamed. These tables are processed directly from that record.
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