Bath Savings Institution in Maine vs the state
12.2%Denial rate-4.17 pts vs state
15.8%Decision denial rate-4.29 pts vs state
64.9%Origination rate+2.69 pts vs state
7.00%Median rate+0.13 pts vs state
0.42Rate spread (pts)+0.09 pts vs state
$136kMedian applicant income
192Loans originated
36Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 389 | 271 | 11.1% | 6.75% | #33 |
| 2024 | 328 | 245 | 5.8% | 7.00% | #48 |
| 2025 | 296 | 192 | 12.2% | 7.00% | #51 |
What Bath Savings Institution lends in Maine
By loan purpose
By loan type
Why it denied Maine applicants
Where in Maine
Counties with the most Bath Savings Institution applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cumberland County | 143 | 91 | 15 | 10.5% |
| Sagadahoc County | 77 | 45 | 12 | 15.6% |
| Lincoln County | 34 | 24 | 5 | 14.7% |
| Androscoggin County | 16 | 10 | 2 | 12.5% |
| York County | 7 | 7 | 0 | 0.0% |
| Kennebec County | 7 | 6 | 0 | 0.0% |
| Oxford County | 2 | 2 | 0 | 0.0% |
| Waldo County | 2 | 1 | 0 | 0.0% |
| Piscataquis County | 2 | 1 | 1 | 50.0% |
| Knox County | 1 | 1 | 0 | 0.0% |
Other large lenders in Maine
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Bangor Savings Bank | B | 4,518 | 17.2% | 7.25% |
| United Shore Financial Services | B | 2,675 | 9.1% | 6.50% |
| Rocket Mortgage | C | 2,628 | 22.9% | 6.75% |
| The Camden National Bank | A | 2,559 | 13.2% | 6.99% |
| CMG Mortgage | A | 2,251 | 4.2% | 6.63% |
| Guild Mortgage | A | 1,838 | 5.3% | 6.63% |
| Kennebec Savings Bank | B | 1,493 | 9.6% | 7.00% |
| TD Bank | D | 1,244 | 20.2% | 7.35% |
| Mortgage Research Center | C | 1,104 | 17.6% | 6.25% |
| Evergreen Credit Union | D | 976 | 30.6% | 6.50% |
Frequently asked questions
Maine: 296 applications in 2025, of which 192 were originated and 36 denied.
12.2% of all applications, or 15.8% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
The median rate on loans Bath Savings Institution originated in Maine in 2025 was 7.00%, against a statewide median of 6.88%.
About this data. Figures are Bath Savings Institution's own HMDA filing for properties located in Maine, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology