Beyond purchases
Home improvement took 24.9% of its lending, refinances 22.7% and other purposes 18.1%. Every loan was conventional. Its similar lenders, for comparison, are savings institutions making between half and twice as many loans.
Applications / Mortgage Analytics / Lenders / Maine / Kennebunk Savings Bank
Kennebunk Savings Bank
Kennebunk, ME · Savings institution · FDIC · $2.0 billion assets · 353 loans in 2025
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353
loans originated, 2025
579
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Kennebunk Savings Bank, a Maine savings institution, lends for far more than home purchases, which made up only 34.3% of its loans in 2025.
Bigger loans
Its typical loan rose to $255,000 from $205,000, against $215,000 at similar lenders. Jumbo loans (larger than the conforming limit) were 10.6% of its loans, against 2.3%, higher than at more than four in five peers. So its dollar lending rose to $150.5 million even as its count fell 7%, while peers grew 4%.
Slipping in Portland
It ranked 13 of 364 lenders in Portland-South Portland, ME, with 1.6% of the market, down from 1.9%. United Wholesale Mortgage and Bangor Savings Bank lead. Faster growth by other lenders, or its own choice of products, may explain the fall.
Borrowers versus neighborhoods
Low- and moderate-income (LMI) borrowers took 26.9% of its loans, against 24.1% at peers, up from 18.1%. LMI neighborhoods took 11.4%, against 15.1%, and majority-minority neighborhoods none, against 5.3%. Its lending is concentrated in 8 counties, mainly in Maine, and these shares may reflect the neighborhoods those counties contain.
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
353 loans in 2025, against a peak of 523 in 2022.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Kennebunk Savings Bank took 579 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
34.3% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 34.3% · Home improvement 24.9% · Refinance 22.7% · Other 18.1%
Conventional 100.0% · of 353 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, 3 metros, 8 counties
| State | Loans | Share |
|---|---|---|
| Maine | 264 | 74.8% |
| New Hampshire | 89 | 25.2% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Portland-South Portland | 264 |
| Rockingham County-Strafford County | 83 |
| Manchester-Nashua | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493003V0VOGJ2CI8520 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 247908 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 313063 | 1990–2017 |
Established 1 May 1871. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Kennebunk Savings Bank's data.
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