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MARKET BENCHMARKS · HMDA PUBLIC DATA

Maine mortgage market benchmarks

Maine origination trends 2018–2025 from HMDA public data: volume, denial rates, and purchase vs refinance mix. Free and open — no account required.

Originations 2025

35,498

+11.7% vs 2024

2024: 31,775

Volume 2025

$10.35B

originated $
2024: $8.37B

Denial rate 2025

16.3%

denied / actioned
2024: 17.2% denied / actioned

Reporting lenders 2025

547

HMDA reporters
2024: 539 reporters

Origination volume by year

Dollar volume of originated loans

$ VOLUME · HOVER FOR UNITS
$0$5B$10B$15B$20B20182019202020212022202320242025$10.35B

Loan purpose mix

Share of 2025 originations

Denial rate by year

Denials / actioned applications (CFPB convention)

0.0%11.0%22.0%2018201920202021202220232024202516.3%

Maine market by year

YEARLENDERSAPPLICATIONSORIGINATIONSVOLUMEDENIALPURCHASEREFI
202554757,63935,498$10.35B2025 origination volume35,498 loans originated16.3%2025 denial rate57,639 applications actioned46.2%44.5%
202453951,50231,775$8.37B2024 origination volume31,775 loans originated17.2%2024 denial rate51,502 applications actioned49.0%38.2%
202353046,24728,608$7.01B2023 origination volume28,608 loans originated17.1%2023 denial rate46,247 applications actioned51.5%32.9%
202254663,36940,591$10.61B2022 origination volume40,591 loans originated14.9%2022 denial rate63,369 applications actioned46.5%50.6%
202154695,48664,468$16.09B2021 origination volume64,468 loans originated11.8%2021 denial rate95,486 applications actioned36.0%78.1%
202050793,50363,092$14.83B2020 origination volume63,092 loans originated11.8%2020 denial rate93,503 applications actioned34.6%75.9%
201951162,28340,049$8.40B2019 origination volume40,049 loans originated15.5%2019 denial rate62,283 applications actioned48.7%54.1%
201848454,79334,316$6.48B2018 origination volume34,316 loans originated19.1%2018 denial rate54,793 applications actioned53.9%44.7%

Attribution & methodology. Benchmarks are computed by MortRadar from Home Mortgage Disclosure Act (HMDA) public data files published by the Consumer Financial Protection Bureau (CFPB) and the Federal Financial Institutions Examination Council (FFIEC), covering activity years 2018–2025. Originations = loans originated (action taken 1); denial rate = denials / actioned applications (CFPB Data Browser convention); loan amounts are the public files' midpoint-rounded values. MortRadar's aggregations are derived works and are not published, reviewed, or endorsed by the CFPB, FFIEC, or any government agency. See data attribution and the disclaimer.

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