Applications / Mortgage Analytics / Lenders / Maine / Saco & Biddeford Savings Institution
Saco, ME · Savings institution · FDIC · $1.4 billion assets · 198 loans in 2025
Saco & Biddeford Savings Institution's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
198
loans originated, 2025
276
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Saco & Biddeford Savings Institution, of Saco, ME, makes big loans to home buyers, and its lending rose 14% in 2025.
Its typical loan was $375,000, against $232,500 at similar lenders, savings institutions making between half and twice as many loans; that is larger than at about four in five. Jumbo loans (larger than the conforming limit) were 11.7% of its lending, against 2.6%. Home purchases made up 77.8%.
Its loans rose to 198 from 174, against 7% growth at similar lenders. The count had fallen every year from 547 in 2020.
In Portland-South Portland, ME, its largest market, it ranked 14 of 364 lenders, with 1.6%, down from 1.9%. That happened even as its total lending rose to $97.0 million from $87.7 million. Faster growth by others in the market is one possible reason.
Low- and moderate-income (LMI) borrowers took 14.4% of its loans, against 24.5% at similar lenders, fewer than at nearly nine in ten. Its big, purchase-heavy loans are one possible reason. Its share in LMI neighborhoods, 14.6%, was near the middle of peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Saco & Biddeford Savings Institution took 276 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 77.8% · Refinance 13.1% · Home improvement 6.1% · Other 3.0%
Conventional 100.0% · of 198 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 | 198 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Portland-South Portland | 182 |
| Lewiston-Auburn | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493008KJFFG6PYZ5914 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 339607 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 317743 | 1990–2017 |
Established 21 February 1827. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Saco & Biddeford Savings Institution's data.
Saco & Biddeford Savings Institution's data
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Saco & Biddeford 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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