Lenders › The Federal Savings Bank › Maine
The Federal Savings 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.
In Maine, The Federal Savings Bank reported 110 applications and 42 originations for 2024, $14m in all.
Its denial rate in the state was 14.3%, below the Maine rate of 20.9% across all lenders and compared with the lender's national rate of 18.6%.
The median rate spread on its Maine originations was -0.1 percentage points (state median 0.4).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Maine | Maine, all lenders | The Federal Savings Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 14.3% | 20.9% | 18.6% | 24.3% |
| Median rate spread, pp | -0.1 | 0.4 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 2.4% | 16.1% | 7.3% | 15.6% |
| Average originated loan | $323k | $263k | $371k | $329k |
| Home purchase share | 19.0% | 49.0% | 46.9% | 57.0% |
| FHA-insured share | 7.1% | 8.7% | 16.1% | 13.4% |
| VA-guaranteed share | 73.8% | 6.3% | 46.6% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMaine, all lenders
Loan purpose and loan type in Maine
By purpose
Home purchase 19% (8)Home improvement 5% (2)Cash-out refinancing 74% (31)Other purpose 2% (1)
By type
Conventional 19% (8)FHA 7% (3)VA 74% (31)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Maine
No county in the state reaches 25 applications.
Questions and answers
How many mortgages did The Federal Savings Bank originate in Maine in 2024?
42 loans totalling $14m, from 110 applications reported for properties in Maine.
What is The Federal Savings Bank's denial rate in Maine?
14.3% of decided applications in Maine were denied, against 20.9% for all lenders in the state and 18.6% 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 The Federal Savings Bank lend in most?
No county in the state reaches 25 applications.
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 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.