Lenders › First National Bank › Maine
First National Bank in Maine
HMDA record for properties in Maine, calendar year 2024. National record · Maine overview
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.
First National Bank's 2024 HMDA record for Maine covers 861 applications, 690 of them originated, worth $156m.
Its denial rate in the state was 9.7%, below the Maine rate of 20.9% across all lenders and compared with the lender's national rate of 9.6%.
The median rate spread on its Maine originations was 0.4 percentage points (state median 0.4).
Applications in the state were down 8% on 2023.
Compared with the state and the lender's national record
| Measure | In Maine | Maine, all lenders | First National Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 9.7% | 20.9% | 9.6% | 24.3% |
| Median rate spread, pp | 0.4 | 0.4 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 17.3% | 16.1% | 16.8% | 15.6% |
| Average originated loan | $226k | $263k | $235k | $329k |
| Home purchase share | 41.9% | 49.0% | 44.7% | 57.0% |
| FHA-insured share | 0.0% | 8.7% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 6.3% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMaine, all lenders
Loan purpose and loan type in Maine
By purpose
Home purchase 42% (289)Home improvement 28% (191)Refinancing 14% (94)Cash-out refinancing 1% (4)Other purpose 16% (112)
By type
Conventional 100% (688)USDA 0% (2)
Denial reasons as coded
Share of 75 denials in Maine by first denial reason coded (outlined bar: all lenders in the state).
Counties in Maine
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Lincoln County | 242 | 186 | $34m | 13.0% |
| Knox County | 199 | 151 | $27m | 13.2% |
| Hancock County | 151 | 131 | $41m | 3.6% |
| Penobscot County | 88 | 69 | $23m | 9.1% |
| Waldo County | 64 | 54 | $13m | 8.5% |
| Washington County | 63 | 53 | $6.8m | 6.9% |
| Kennebec County | 25 | 20 | $4.8m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did First National Bank originate in Maine in 2024?
690 loans totalling $156m, from 861 applications reported for properties in Maine.
What is First National Bank's denial rate in Maine?
9.7% of decided applications in Maine were denied, against 20.9% for all lenders in the state and 9.6% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Maine counties does First National Bank lend in most?
By originations: Lincoln County (186), Knox County (151), Hancock County (131), Penobscot County (69), Waldo County (54).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Maine. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.