Kennebunk Savings Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
10th27.1% deniedProcesswithdrawn + incomplete share, weight 15%
39th14.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 585 | 382 | 22.7% | 25.4% | — | $108M |
| 2024 | 582 | 378 | 22.9% | 25.6% | — | $131M |
| 2025 | 579 | 353 | 23.3% | 27.1% | — | $150M |
What Kennebunk Savings Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 15 manufactured homes, 78 investment properties.
Who gets approved at Kennebunk Savings Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 36 | 7 | 73.3% |
| $50k – $100k | 133 | 68 | 36.3% |
| $100k – $150k | 97 | 52 | 33.3% |
| $150k – $250k | 144 | 103 | 18.1% |
| Over $250k | 104 | 68 | 19.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 61 | 31 | 32.6% |
| 35–44 | 98 | 57 | 34.1% |
| 45–54 | 101 | 60 | 27.1% |
| 55–64 | 129 | 77 | 27.4% |
| 65–74 | 85 | 47 | 31.4% |
| Over 74 | 37 | 21 | 33.3% |
Where Kennebunk Savings Bank lends
2 states and 12 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Maine | 447 | 264 | 22.8% | — | #35 |
| New Hampshire | 132 | 89 | 25.0% | — | #74 |
Frequently asked questions
Kennebunk Savings Bank denied 27.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 10th percentile of small mortgage lenders.
In 2025, 29% of its applications were for home purchases, 23% for refinancing (including cash-out), and 48% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.