Purchase Originations
314
Median Total Costs
$1,052
−84.3% vs national ($6,680)
↓ $1 vs prior year
Median Rate
6.912%
+6.5% vs national (6.490%)
↓ 0.338% vs prior year
Median Origination
$0
Median Lender Credits
$11
Denial Rate
4.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 314 | 6.912% | $1,052 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Maine | 314 | 6.912% | $1,052 | #7 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $423 | 6.500% | — | 8 | −$629 | |
| 2 | $878 | 6.725% | — | 6 | −$174 | |
| 3 | $943 | 6.950% | — | 16 | −$109 | |
| 4 | $951 | 6.750% | — | 187 | −$101 | |
| 5 | $1,023 | 6.750% | — | 9 | −$29 | |
| 6 | $1,037 | 6.850% | — | 10 | −$15 | |
| 7 | $1,052 | 6.750% | — | 17 | +$0 | |
| 8 | $1,063 | 6.950% | — | 18 | +$11 | |
| 9 | $1,072 | 6.950% | — | 1 | +$20 | |
| 10 | $1,073 | 6.950% | — | 31 | +$21 | |
| 11 | $1,073 | 6.950% | — | 9 | +$21 | |
| 12 | $3,971 | 7.375% | — | 2 | +$2,919 |
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 | Kennebec Savings Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $270,000 | $335,000 | −$65,000 (−19.4%) |
| Median total closing costs | $1,052 | $7,127 | −$6,075 (−85.2%) |
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.