Applications / Mortgage Analytics / Lenders / Maine / Bath Savings Institution
Bath, ME · Savings institution · FDIC · $1.5 billion assets · 192 loans in 2025
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192
loans originated, 2025
296
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bath Savings Institution, a Maine savings bank that mostly finances home purchases, shrank in a growing market: its loans fell 22% in 2025 while those of similar lenders rose 8%.
It made 192 loans in 2025, down from 245. Similar lenders (savings institutions making between half and twice as many loans) grew 8% and the whole market 10%; its fall was steeper than at more than nine in ten of them. Home purchases made up 74.0% of its loans, so its volume may follow home sales in Maine more closely than a lender that does more refinancing.
In Portland-South Portland it ranks 24 of 364, with 1.0% of lending, down from 1.3%. United Wholesale Mortgage leads there and Bangor Savings Bank is second. In Lewiston-Auburn its share fell from 0.7% to 0.4%. Both moves match its lower volume rather than a loss in one market alone.
Its typical loan was $290,000, up from $255,000 a year before and larger than at about two-thirds of similar lenders, where it was $225,000. It made no higher-priced loans (a rate well above the average for similar loans).
Low- and moderate-income (LMI) borrowers took 18.6% of its loans, against 24.7% at similar lenders, a lower share than at about three-quarters of them. LMI neighborhoods took 12.0%. Its larger loans and the counties it lends in are possible reasons.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bath Savings Institution took 296 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 74.0% · Refinance 14.1% · Home improvement 8.3% · Other 3.6%
Conventional 97.9% · USDA (RHS or FSA) 2.1% · of 192 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 | 192 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Portland-South Portland | 143 |
| Lewiston-Auburn | 10 |
| Bangor | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SVSM8JMOZJXF07 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 433505 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 317749 | 1994–2017 |
Established 19 April 1852. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Bath Savings Institution's data.
Bath Savings Institution's data
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Bath Savings Institution 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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