Purchase Originations
259
Median Total Costs
$4,148
−37.9% vs national ($6,680)
↓ $34 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,100
Median Lender Credits
$247
Denial Rate
2.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 249 | 6.625% | $4,091 | $1,100 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Maine | 257 | 6.625% | $4,152 | #12 |
| New Hampshire | 2 | 6.812% | $3,112 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,778 | 6.375% | — | 1 | −$1,370 | |
| 2 | $3,446 | 7.250% | — | 1 | −$702 | |
| 3 | $3,490 | 6.375% | — | 13 | −$658 | |
| 4 | $3,617 | 6.188% | — | 8 | −$531 | |
| 5 | $3,664 | 7.062% | — | 4 | −$484 | |
| 6 | $3,679 | 6.312% | — | 28 | −$469 | |
| 7 | $4,067 | 6.625% | — | 29 | −$81 | |
| 8 | $4,148 | 6.625% | — | 1 | +$0 | |
| 9 | $4,163 | 6.688% | — | 26 | +$15 | |
| 10 | $4,213 | 6.625% | — | 3 | +$65 | |
| 11 | $4,334 | 6.625% | — | 141 | +$186 | |
| 12 | $4,392 | 6.750% | — | 1 | +$244 | |
| 13 | $6,454 | 7.438% | — | 2 | +$2,306 | |
| 14 | $7,224 | 7.125% | — | 1 | +$3,076 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Androscoggin Savings Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $405,000 | $335,000 | +$70,000 (+20.9%) |
| Median total closing costs | $4,148 | $7,127 | −$2,979 (−41.8%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.