Applications / Mortgage Analytics / Lenders / Maine / Machias Savings Bank
Machias, ME · Savings institution · FDIC · $2.7 billion assets · 554 loans in 2025
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554
loans originated, 2025
840
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Machias Savings Bank is a Maine savings bank whose lending leans to rural, manufactured-home and home-improvement loans, and it ranked 5 of 182 lenders in Bangor, where its share rose in 2025.
RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service) were 6.3% of its originations, the highest among similar lenders (savings institutions making between half and twice as many loans), whose typical share was 0.0%. Manufactured homes were 6.1% of its loans, against 0.3%, and home-improvement and other-purpose loans together made up nearly a third.
Higher-priced loans (a rate well above the average for similar loans) were 4.4% of its lending, against 0.3%. Manufactured-home loans and home-improvement loans are often priced this way, and at its shares could account for most of the difference.
Its share in Bangor rose 1.4 points to 4.3%, behind Bangor Savings Bank, which ranks first. In Lewiston-Auburn its share fell 4.0 points to 0.3%. Its dollar volume fell to $130.9 million from $178.9 million on almost the same number of loans, so the fall may reflect fewer large loans rather than fewer borrowers.
Its typical loan was $155,000, against $215,000 at similar lenders. Originations fell 2% to 554 while similar lenders grew 6%; they were 1,034 in 2020.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Machias Savings Bank took 840 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 50.5% · Refinance 20.0% · Home improvement 18.6% · Other 10.8%
Conventional 93.7% · USDA (RHS or FSA) 6.3% · of 554 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 | 551 | 99.5% |
| Florida | 2 | 0.4% |
| New Hampshire | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Bangor | 103 |
| Portland-South Portland | 22 |
| Lewiston-Auburn | 5 |
| Cape Coral-Fort Myers | 2 |
| Manchester-Nashua | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300P0GXZAWI355052 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 137205 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 319531 | 2004–2017 |
Established 5 March 1869. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Machias Savings Bank's data.
Machias Savings Bank's data
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Machias 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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