Kennebec Savings Bank in Maine vs the state
9.6%Denial rate-6.75 pts vs state
9.8%Decision denial rate-10.29 pts vs state
76.7%Origination rate+14.52 pts vs state
7.00%Median rate+0.13 pts vs state
0.44Rate spread (pts)+0.12 pts vs state
$123kMedian applicant income
1,145Loans originated
143Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,397 | 1,014 | 13.1% | 7.50% | #6 |
| 2024 | 1,399 | 1,044 | 11.0% | 7.50% | #7 |
| 2025 | 1,493 | 1,145 | 9.6% | 7.00% | #7 |
What Kennebec Savings Bank lends in Maine
By loan purpose
By loan type
Why it denied Maine applicants
Where in Maine
Counties with the most Kennebec Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kennebec County | 991 | 770 | 88 | 8.9% |
| Somerset County | 109 | 76 | 16 | 14.7% |
| Cumberland County | 101 | 82 | 10 | 9.9% |
| Androscoggin County | 49 | 33 | 5 | 10.2% |
| Lincoln County | 43 | 35 | 1 | 2.3% |
| Sagadahoc County | 43 | 30 | 7 | 16.3% |
| Waldo County | 42 | 32 | 5 | 11.9% |
| Franklin County | 35 | 26 | 3 | 8.6% |
| Penobscot County | 24 | 20 | 3 | 12.5% |
| Knox County | 18 | 15 | 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% |
| 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% |
| Town & Country Federal Credit Union | C | 935 | 17.0% | 7.24% |
Frequently asked questions
Maine: 1,493 applications in 2025, of which 1,145 were originated and 143 denied.
9.6% of all applications, or 9.8% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
The median rate on loans Kennebec Savings Bank originated in Maine in 2025 was 7.00%, against a statewide median of 6.88%.
About this data. Figures are Kennebec Savings Bank'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