Applications / Mortgage Analytics / Lenders / Maine / Kennebec Savings Bank
Augusta, ME · Savings institution · FDIC · $1.8 billion assets · 1,145 loans in 2025
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1,145
loans originated, 2025
1,494
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Kennebec Savings Bank is a Maine savings bank that ranked 3 of 346 lenders in non-metro Maine and grew its originations 10% in 2025, faster than about two in three similar lenders.
In non-metro Maine, its largest market, it ranked 3 of 346 lenders, behind Bangor Savings Bank and The Camden National Bank and ahead of United Wholesale Mortgage and Rocket Mortgage. In Portland-South Portland its share rose from 0.6% to 0.8%. All its lending was in Maine.
Originations rose 10% to 1,145, against 3% at similar lenders (savings institutions making between half and twice as many loans) and 10% for the whole market. The amount it lent rose from $179.8 million to $228.1 million. It first reported under HMDA in 2020, when it made 1,508 loans.
Manufactured homes were 6.4% of its loans, against 0.1% at similar lenders, higher than at about nine in ten of them. Its typical loan was $155,000, against $235,000. Every loan was conventional, and home improvement made up 21.6% of its lending, beside 40.3% for purchase and 25.5% for refinance.
LMI (low- and moderate-income) borrowers took 14.8% of its loans, against 25.4% at similar lenders, among the lowest, and LMI areas 9.2%, against 14.2%. Majority-minority areas took 0.0%, against 8.1%. Its lending lies in non-metro Maine and three Maine metros, and the make-up of those places is one possible reason.
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, 2020–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Kennebec Savings Bank took 1,494 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 40.3% · Refinance 25.5% · Home improvement 21.6% · Other 12.7%
Conventional 100.0% · of 1,145 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 | 1,145 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Portland-South Portland | 121 |
| Lewiston-Auburn | 33 |
| Bangor | 20 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900CEBR2F5Y0F1A15 | 2020–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 583905 | 2022–2023 |
Established 19 March 1870. Reported under HMDA 2020-2025.
Mergers, name changes, data editions and corrections: Kennebec Savings Bank's data.
Kennebec Savings Bank's data
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Kennebec Savings Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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