Purchase Originations
137
Median Total Costs
$3,987
−40.3% vs national ($6,680)
↑ $56 vs prior year
Median Rate
6.750%
+4.0% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$800
Median Lender Credits
$75
Denial Rate
20.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 102 | 6.875% | $3,749 | $1,300 |
| usda | 35 | 5.950% | $4,379 | $350 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Maine | 137 | 6.750% | $3,987 | #21 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,215 | 7.125% | — | 1 | −$772 | |
| 2 | $3,658 | 7.125% | — | 3 | −$329 | |
| 3 | $3,729 | 6.750% | — | 32 | −$258 | |
| 4 | $3,929 | 5.950% | — | 71 | −$58 | |
| 5 | $4,310 | 6.875% | — | 14 | +$323 | |
| 6 | $4,349 | 7.625% | — | 1 | +$362 | |
| 7 | $4,699 | 7.125% | — | 1 | +$712 | |
| 8 | $4,843 | 6.875% | — | 14 | +$856 |
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 | Machias Savings Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $185,000 | $335,000 | −$150,000 (−44.8%) |
| Median total closing costs | $3,987 | $7,127 | −$3,140 (−44.1%) |
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.