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Oxford County, Maine
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Oxford County, Maine, saw 2,207 HMDA-reported applications and 1,257 originations ($316m) in 2024.
That is 52.1 originations per 1,000 households, against 53.2 for Maine and 48.0 nationally.
The county's denial rate was 25.2%, above the state rate of 20.9%. The median rate spread on originated loans was 0.4 percentage points and 13.8% of originations were 1.5 points or more above the average prime offer rate.
21 lenders reached 25 applications in the county; the most active by originations were Norway Savings Bank (161), CMG Mortgage Inc (97) and Bangor Savings Bank (96).
Originations were up 8% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Norway Savings Bank | 240 | 161 | $39m | 17.3% | — |
| 2 | CMG Mortgage Inc | 151 | 97 | $29m | 8.8% | — |
| 3 | Bangor Savings Bank | 135 | 96 | $20m | 17.8% | — |
| 4 | Guild Mortgage Company | 98 | 78 | $19m | 3.5% | — |
| 5 | United Wholesale Mortgage | 92 | 69 | $23m | 14.6% | — |
| 6 | Rocket Mortgage | 101 | 64 | $13m | 26.7% | — |
| 7 | Dirigo Federal Credit Union | 114 | 63 | $6.7m | 33.9% | — |
| 8 | TD Bank | 60 | 43 | $7.1m | 17.0% | — |
| 9 | Das Acquisition Company, LLC | 36 | 30 | $7.3m | 6.1% | — |
| 10 | Mortgage Research Center | 51 | 26 | $7.1m | 29.7% | — |
| 11 | The Camden National Bank | 31 | 26 | $8.5m | 6.9% | — |
| 12 | Lighthouse Federal Credit Union | 36 | 18 | $3.7m | 47.1% | — |
| 13 | CBNA Year to Date | 30 | 16 | $3.5m | 36.0% | — |
| 14 | Town and Country Federal Credi | 26 | 16 | $1.8m | — | — |
| 15 | CUSO Mortgage Corporation | 40 | 15 | $4.1m | 50.0% | — |
| 16 | New American Funding, LLC. | 32 | 12 | $2.7m | — | — |
| 17 | Coastal Community Bank | 27 | 8 | $300k | — | — |
| 18 | Bank of America NA | 32 | 7 | $2.8m | — | — |
| 19 | Loandepot.com, LLC | 32 | 7 | $1.2m | — | — |
| 20 | Amerisave Mortgage Company | 34 | 3 | $345k | 88.9% | — |
| 21 | Discover Bank | 28 | 1 | $65k | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 21. Denial rate is denials over decided applications in this county.
Compared with Maine and the nation
| Measure | This county | Maine | United States |
|---|---|---|---|
| Denial rate | 25.2% | 20.9% | 24.3% |
| Median rate spread, pp | 0.4 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 13.8% | 16.1% | 15.6% |
| Average originated loan | $251k | $263k | $329k |
| Originations per 1,000 households | 52.1 | 53.2 | 48.0 |
| Home purchase share of originations | 53.0% | 49.0% | 57.0% |
| FHA-insured share | 13.6% | 8.7% | 13.4% |
| VA-guaranteed share | 7.6% | 6.3% | 7.9% |
Rate spread distribution
Share of 1,082 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Maine). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 53% (666)Home improvement 13% (162)Refinancing 9% (117)Cash-out refinancing 14% (175)Other purpose 11% (137)
By type
Conventional 76% (959)FHA 14% (171)VA 8% (96)USDA 2% (31)
Trend by year
ApplicationsOriginations
This countyMaine
Questions and answers
Which lenders are most active in Oxford County, ME?
By 2024 originations: Norway Savings Bank (161), CMG Mortgage Inc (97), Bangor Savings Bank (96), Guild Mortgage Company (78), United Wholesale Mortgage (69). 21 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Oxford County?
25.2% of decided applications were denied in 2024, against 20.9% across Maine and 24.3% nationally.
How many mortgages were originated in Oxford County in 2024?
1,257 loans totalling $316m, from 2,207 applications; 52.1 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 23017; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.