2025 · Maine
In 2025, 1,630 investment-property loans worth $537M were originated on single-family 1-4 unit homes in Maine. Here's how those terms compared to the rest of the country.
Investor rate premium
75 bps
U.S. median: 76 bps
Denial rate
21.0%
U.S. median: 17.5%
DSCR / business-purpose
71%
U.S. median: 72%
Median LTV
75%
U.S. median: 74%
Since 2024 in Maine
Rate premium
88 bps → 75 bps
-13 bpsInvestor loans
1,463 → 1,630
+11.4%Denial rate
20.3% → 21.0%
+0.7 ptsDSCR / business-purpose
73% → 71%
-1.6 ptsInvestors in Maine borrowed at a median rate of 7.371%, versus 6.625% for owner-occupants — a 75 bps premium that ranks 32nd of 51 states.
Their applications were denied 21.0% of the time. The leading reasons for denial were collateral, debt-to-income ratio, other.
71% of investor loans were business- or commercial-purpose — the category that includes DSCR and LLC-held loans — and 17% were cash-out refinances. The typical loan-to-value was 75%, implying about 25% down.
In 2025, the median investment-property loan in Maine carried a rate of 7.371% versus 6.625% for an owner-occupant — a premium of 75 bps. That ranks 32nd of 51 states (1 = highest premium).
21.0% of investment-property applications were denied in Maine in 2025, the 6th-highest denial rate among the 51 states. The most common denial reasons were collateral, debt-to-income ratio, other.
71% of investor loans in Maine were flagged as primarily business or commercial purpose — the bucket that includes DSCR and LLC-held loans (21st of 51). The median loan-to-value was 75%.
Source: CFPB / FFIEC HMDA combined Modified LAR (loan-level public dataset, early release), 2025. Single-family 1-4 unit, site-built loans; financed purchases only.