Lender in Maine · HMDA 2025
Kennebec Savings Bank mortgages in Maine
Kennebec Savings Bank's 2025 home-purchase and refinance lending in Maine, compared with all lenders in the state.
Kennebec Savings Bank originated 414 owner-occupied single-family loans in Maine from 537 completed applications, making it the state's #8 lender by volume.
Its median conventional purchase loan costs were $1,050 versus $4,300 for all Maine lenders, at a median 30-year fixed rate of 6.75% (Maine: 6.625%).
Loans in ME
414
of 537 applications
Denial rate
3.5%
Purchase · ME 8.3%
Rate spread
+0.61 pts
Conv. · ME +0.23 pts
Loan amount
$275,000
Purchase · ME $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 396 | 295 | 3.5% | 6.750% | +0.61 pts | $1,050 | $275,000 |
| Refinance | 141 | 119 | 9.2% | — | +0.60 pts | $420 | $205,000 |
| Cash-out refinance | 0 | 0 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Maine counties where Kennebec Savings Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Kennebec County | 1 | 268 | 15.8% |
| Somerset County | 7 | 23 | 4.1% |
| Franklin County | 8 | 10 | 3.6% |
| Knox County | 8 | 9 | 2.2% |
| Sagadahoc County | 10 | 16 | 3.4% |
| Lincoln County | 10 | 13 | 3.2% |
| Waldo County | 10 | 13 | 2.7% |
| Androscoggin County | 18 | 19 | 1.3% |
| Cumberland County | 24 | 34 | 0.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology