Top-ten places in two Maine markets
In Portland-South Portland, its largest market, it ranked 10 of 364 lenders with 2.0%, down 0.1 points. In Lewiston-Auburn it ranked 7 of 166 with 3.2%, up 0.7 points, and in non-metro Maine it ranked 13 of 346.
Applications / Mortgage Analytics / Lenders / Maine / Norway Savings Bank
Norway Savings Bank
Norway, ME · Savings institution · FDIC · $2.1 billion assets · 640 loans in 2025
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640
loans originated, 2025
964
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Norway Savings Bank is a Maine savings bank with a broad mix of loan purposes, ranking 10 of 364 lenders in Portland-South Portland and gaining share in Lewiston-Auburn.
A broad mix, including manufactured homes
Purchases made up 32.2% of its loans, home improvement 23.8%, other purposes 22.2% and refinances 21.9%. Manufactured homes took 5.2%, against 0.2% at similar lenders (savings institutions making between half and twice as many loans), more than about nine in ten of them. Jumbo loans (larger than the conforming limit) were 5.7%, against 2.4%.
More lending in LMI areas than most peers
LMI (low- and moderate-income) areas took 19.2% of its loans, against 14.1% at peers, more than about four in five of them. LMI borrowers took 21.5%, a little below the 25.0% at peers and down from 29.9% five years before; its larger typical loan, $240,000 against $215,000, is one possible reason.
Slower growth than peers
Originations rose 3%, against 8% at similar lenders and 10% for the whole market. It made 640 loans, up from 514 five years before, after a high of 760 in 2022.
Questions the data can answer next
- Which lenders does it compete with most closely in Lewiston-Auburn, where its share rose?
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
640 loans in 2025, against a peak of 760 in 2022.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Norway Savings Bank took 964 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
32.2% of its 2025 loans were purchase loans; 99.4% were Conventional.
Purchase 32.2% · Home improvement 23.8% · Other 22.2% · Refinance 21.9%
Conventional 99.4% · USDA (RHS or FSA) 0.6% · of 640 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
2 states, 4 metros, 21 counties
| State | Loans | Share |
|---|---|---|
| Maine | 618 | 96.6% |
| New Hampshire | 22 | 3.4% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Portland-South Portland | 344 |
| Lewiston-Auburn | 64 |
| Bangor | 1 |
| Rockingham County-Strafford County | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300S32ZDD67D2FB46 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 289702 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 317658 | 1990–2017 |
Established 1 January 1866. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Norway Savings Bank's data.
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