CUMBERLAND COUNTY
CUMBERLAND COUNTY received 310 applications in 2025 and made 230 mortgages, in 13 counties across 1 state. The median rate its borrowers got was 6.625% on a median loan of $85,000. Of 278 decisions, 36 were denials — 13.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300U3NIUGN9OO4407 |
|---|---|
| Applications received | 310 |
| Mortgages made | 230 |
| Denied | 36 |
| Approved, not taken up | 12 |
| Withdrawn or incomplete | 32 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.46 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 34 | 6.688% | $275,000 | 2.6% |
| Refinancing | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Cash-out refinancing | 56 | 6.563% | $135,000 | 14.7% |
| Other purposes | 131 | 6.650% | $65,000 | 14.9% |
Where CUMBERLAND COUNTY lends most
The 13 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Cumberland County, ME | 179 | 6.650% | 12.5% |
| York County, ME | 17 | 6.625% | 0.0% |
| Androscoggin County, ME | 14 | 6.700% | 11.8% |
| Oxford County, ME | 4 | Under 10 loans | 50.0% |
| Franklin County, ME | 3 | Under 10 loans | 0.0% |
| Kennebec County, ME | 3 | Under 10 loans | 0.0% |
| Sagadahoc County, ME | 3 | Under 10 loans | 25.0% |
| Somerset County, ME | 3 | Under 10 loans | 25.0% |
| Piscataquis County, ME | 2 | Under 10 loans | 0.0% |
| Penobscot County, ME | 1 | Under 10 loans | 0.0% |
| Waldo County, ME | 1 | Under 10 loans | 0.0% |
| Aroostook County, ME | 0 | Under 10 loans | 100.0% |
| Hancock County, ME | 0 | Under 10 loans | Not published |
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When CUMBERLAND COUNTY’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.