Applications / Mortgage Analytics / Lenders / Maine / Katahdin Trust Company
Patten, ME · State non-member bank · FDIC · $1.1 billion assets · 154 loans in 2025
Katahdin Trust Company's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
154
loans originated, 2025
217
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Katahdin Trust Company lends more in poorer neighborhoods than most similar banks, even as its loan count keeps falling.
Low- and moderate-income (LMI) neighborhoods took 24.0% of its loans, higher than at about seven in ten similar lenders (state non-member banks making between half and twice as many loans). LMI borrowers took 31.9%, against 28.0% at similar lenders. In 2020 that borrower share was 17.8%.
Purchases made up 63.0% of its lending and refinancing 25.3%. Nearly all its loans, 99.4%, were conventional. Its typical loan, $175,000, matched that of similar lenders.
In Bangor, ME it ranked 20 of 182 with 1.0% of lending, down from 2.4%. Shares are measured in dollars, so in a market of $793.3M a few loans can move a small lender's share. Its share of Portland-South Portland, ME rose to 0.4%.
It made 154 loans, 10% fewer than in 2024, while similar lenders grew 10%. It made 461 in 2020 and fewer every year since. More competition, or fewer applications in its markets, could be reasons; its dollar volume still rose, to $46.7 million.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Katahdin Trust Company took 217 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 63.0% · Refinance 25.3% · Home improvement 7.1% · Other 4.5%
Conventional 99.4% · USDA (RHS or FSA) 0.6% · of 154 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 | 154 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Bangor | 29 |
| Portland-South Portland | 21 |
| Lewiston-Auburn | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300PRPWWDL1RI5M21 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 327305 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 312874 | 2004–2017 |
Established 7 March 1918. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Katahdin Trust Company's data.
Katahdin Trust Company's data
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