Applications / Mortgage Analytics / Lenders / Maine / The Camden National Bank
Camden, ME · National bank · OCC · $7.0 billion assets · 2,231 loans in 2025
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2,231
loans originated, 2025
3,258
applications, 2025
16
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Camden National Bank ranks 2 of 346 mortgage lenders in non-metro Maine, and its loan count rose 29% in 2025, more than twice the rise at similar national banks.
It made 2,231 loans, up from 1,733, a 29% rise against 12% at similar lenders (national banks making between half and twice as many loans) and 10% for the whole market; that is faster than about three-quarters of them. It remains below its 2020 count of 3,787.
In non-metro Maine, where its record, counting banks it merged with, goes back to before 1990, only Bangor Savings Bank ranks higher. In Portland-South Portland its share held at 5.2%, ranking 4 of 364. Its 2025 merger with Northway Bank counts in the competition figures, not in its own loan count.
Purchases are 37.2% of its lending, home improvement 24.2%, refinances 21.9% and other purposes 16.7%. 7.2% of its loans were jumbo (larger than the conforming limit), against 1.9% at similar lenders, higher than at about three-quarters of them. Its higher-priced share (a rate well above the average for similar loans) is 0.8%, against 1.2%.
0.3% of its loans were in majority-minority tracts, against 15.5% at similar lenders, the lowest among them. A possible reason is the markets it serves: its largest are in Maine and New Hampshire, which may hold few such tracts compared with its peers' markets.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Camden National Bank took 3,258 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 37.2% · Home improvement 24.2% · Refinance 21.9% · Other 16.7%
Conventional 94.7% · FHA 3.5% · VA 1.3% · USDA (RHS or FSA) 0.4% · of 2,231 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Maine | 1,800 | 80.7% |
| New Hampshire | 345 | 15.5% |
| Massachusetts | 46 | 2.1% |
| Vermont | 18 | 0.8% |
| Florida | 6 | 0.3% |
| North Carolina | 4 | 0.2% |
| South Carolina | 3 | 0.1% |
| Arizona | 1 | 0.0% |
| Colorado | 1 | 0.0% |
| Hawaii | 1 | 0.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Portland-South Portland | 626 |
| Bangor | 145 |
| Lewiston-Auburn | 68 |
| Rockingham County-Strafford County | 48 |
| Cambridge-Newton-Framingham | 20 |
| Manchester-Nashua | 11 |
| Boston | 10 |
| Barnstable Town | 5 |
| Worcester | 4 |
| North Port-Bradenton-Sarasota | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VMVKSQE1B7DD43 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 593007 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 12311 | 2002–2017 |
Established 1 January 1875. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: The Camden National Bank's data.
The Camden National Bank's data
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