Purchase Originations
562
Ranked #584 nationally
Median Total Costs
$4,108
−38.5% vs national ($6,680)
↑ $66 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,135
Median Lender Credits
$224
Cost Rank (500+ vol.)
#118
among lenders with 500+ originations
Denial Rate
5.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 450 | 6.490% | $3,936 | $1,135 |
| fha | 78 | 5.990% | $9,063 | $1,135 |
| va | 25 | 6.000% | $4,128 | $1,135 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Maine | 443 | 6.375% | $4,128 | #5 |
| New Hampshire | 100 | 6.312% | $3,915 | #27 |
| Massachusetts | 7 | 6.500% | $5,380 | — |
| Vermont | 5 | 6.375% | $4,387 | — |
| North Carolina | 2 | 6.125% | $3,813 | — |
| Colorado | 1 | 7.125% | $3,478 | — |
| Florida | 1 | 6.125% | $6,184 | — |
| Michigan | 1 | 6.490% | $3,926 | — |
| Oregon | 1 | 6.125% | $3,510 | — |
| Virginia | 1 | 5.625% | $3,659 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,682 | 6.250% | — | 39 | −$426 | |
| 2 | $3,712 | 6.433% | — | 22 | −$396 | |
| 3 | $3,775 | 6.500% | — | 11 | −$333 | |
| 4 | $3,846 | 6.433% | — | 14 | −$262 | |
| 5 | $3,864 | 5.990% | — | 45 | −$244 | |
| 6 | $3,974 | 6.250% | — | 12 | −$134 | |
| 7 | $4,032 | 6.125% | — | 42 | −$76 | |
| 8 | $4,068 | 6.490% | — | 122 | −$40 | |
| 9 | $4,089 | 6.490% | — | 15 | −$19 | |
| 10 | $4,113 | 6.312% | — | 12 | +$5 | |
| 11 | $4,122 | 6.500% | — | 27 | +$14 | |
| 12 | $4,332 | 6.875% | — | 5 | +$224 | |
| 13 | $4,403 | 6.125% | — | 11 | +$295 | |
| 14 | $4,413 | 6.750% | — | 60 | +$305 | |
| 15 | $4,663 | 6.250% | — | 7 | +$555 | |
| 16 | $5,953 | 5.990% | — | 13 | +$1,845 | |
| 17 | $6,106 | 6.490% | — | 19 | +$1,998 | |
| 18 | $6,511 | 6.250% | — | 11 | +$2,403 | |
| 19 | $6,764 | 6.125% | — | 9 | +$2,656 | |
| 20 | $7,269 | 5.990% | — | 36 | +$3,161 |
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 | The Camden National Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $345,000 | $335,000 | +$10,000 (+3.0%) |
| Median total closing costs | $4,108 | $7,127 | −$3,019 (−42.4%) |
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.