Finance Atlas

Banking & Mortgage-Lending Access in Maine

114 FDIC-insured institutions (22 currently active) are recorded in Maine in FDIC BankFind. HMDA 2024 data report an overall mortgage application denial rate of 21.7% in Maine.

FDIC data as of 2026 · HMDA data year 2024 · Last export: June 20, 2026

114
FDIC institutions (total)
22
Currently active
21.7%
Overall denial rate (HMDA 2024)
31,775
Loans originated (2024)
This page is a reference catalog of provenanced public data. It informs and compares; it does not recommend lenders and gives no financial advice. HMDA denial-rate figures are reported statistics and do not establish why rates differ across applicant groups. To verify a lender's FDIC status, use FDIC BankFind. To file a complaint, visit the CFPB. To find a HUD-approved housing counselor: HUD.gov.

How many FDIC-insured institutions are in Maine?

FDIC BankFind records 114 FDIC-insured institutions (all historical) in Maine, of which 22 are currently active. Counts include banks, savings banks, and other insured depository institutions across all charter classes.

Metric Count
Total FDIC-insured institutions (historical) 114
Currently active 22

Source: FDIC BankFind (src:fdic:bankfind:2026). Verify: https://banks.data.fdic.gov/

What types of banks are chartered in Maine?

FDIC uses charter class codes to categorize insured depository institutions. The breakdown for Maine:

Charter class Description Count
SI Savings institution (OTS-supervised) 30
NM State non-member bank (Fed non-member) 29
N National bank (OCC-chartered) 24
SL Savings institution (state-chartered S&L) 14
SB Savings bank (state-chartered) 13
SM State member bank (Fed member) 4

Source: FDIC BankFind (src:fdic:bankfind:2026). Charter class labels per FDIC BankFind official definitions.

What was the mortgage application denial rate in Maine? (HMDA 2024)

HMDA 2024 data report an overall mortgage application denial rate of 21.7% in Maine. The table below shows reported denial rates by applicant race where available in the HMDA dataset.

Methodology note: HMDA captures race where the applicant chose to report it. Denial rates reflect all recorded denial reasons (credit history, DTI, collateral, etc.) and do not establish why rates differ across groups. These figures are descriptive FFIEC statistics, not findings of lending discrimination.
Applicant group (reported) Denial rate
Overall 21.7%
White applicants 20.3%
Black applicants 30.9%
Black/White denial rate ratio 1.52x

Source: FFIEC HMDA (src:ffiec:hmda:2024). Verify: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=ME

Mortgage origination volume in Maine (2024)

HMDA 2024 data record 31,775 originated mortgage loans in Maine , totaling $8.4B , with an average loan size of $263,276.

Metric Value
Originated loans (2024) 31,775
Total origination volume $8.4B
Average loan size $263,276

Source: FFIEC HMDA (src:ffiec:hmda:2024).

Sources & provenance

FDIC data — source id src:fdic:bankfind:2026, as of 2026. Verify via FDIC BankFind: https://banks.data.fdic.gov/

HMDA data — source id src:ffiec:hmda:2024, data year 2024. Verify via FFIEC Data Browser: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=ME

Data exported June 20, 2026 · content hash 0953a884bea9ca20 · machine-readable brief: /finance/states/me/context.md

Where to act