Applications / Mortgage Analytics / Lenders / Maine / First National Bank
Damariscotta, ME · National bank · OCC · $3.1 billion assets · 722 loans in 2025
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722
loans originated, 2025
910
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First National Bank is a Maine lender ranked sixth in non-metro Maine, with a mix weighted toward home-improvement and other loans and a manufactured-home share far above similar lenders'.
It ranks 6 of 346 lenders in non-metro Maine, behind Bangor Savings Bank, The Camden National Bank, Kennebec Savings Bank, United Wholesale Mortgage and Rocket Mortgage. In Bangor, ME it ranks 9 of 182, with a share that fell from 3.5% to 3.0%. Its loan count was flat, against growth of 9% at similar lenders (national banks making between half and twice as many loans) and 10% for the whole market, which may account for the smaller shares.
Manufactured homes are 10.7% of its loans, against 1.1% at similar lenders, higher than nearly all of them. Purchases are 42.0% of its loans, home improvement 23.1%, other purposes 17.9% and refinances 17.0%.
Its typical rate of 7.50% is higher than similar lenders' 6.62%, above more than eight in ten of them. Its manufactured-home, home-improvement and other-purpose loans are possible reasons. Its higher-priced share (a rate well above the average for similar loans) is 1.8%, the same as similar lenders'.
Loans in low- and moderate-income (LMI) tracts were 6.5%, against 16.2% at similar lenders, among the lowest in its peer group. Its lending is concentrated in 16 counties in two states, and the number of LMI tracts there 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, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First National Bank took 910 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 42.0% · Home improvement 23.1% · Other 17.9% · Refinance 17.0%
Conventional 98.8% · USDA (RHS or FSA) 0.8% · VA 0.4% · of 722 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 | 721 | 99.9% |
| New York | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Bangor | 59 |
| Portland-South Portland | 28 |
| Lewiston-Auburn | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002J7RM1JLAXN553 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 439404 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 1446 | 2014–2017 |
Established 19 April 1864. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: First National Bank's data.
First National Bank's data
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First National 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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