Applications / Mortgage Analytics / Lenders / Maine / First Federal Savings and Loan Association of Bath
Bath, ME · Savings institution · OCC · $186 million assets · 104 loans in 2025
First Federal Savings and Loan Association of Bath's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
104
loans originated, 2025
122
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Federal Savings and Loan Association of Bath finances manufactured homes, which made up 17.3% of its 104 loans in 2025, while at least half of similar lenders made none.
Its manufactured-home share was higher than at nearly all similar lenders (savings institutions making between half and twice as many loans). Purchases were 49.0% of its loans, refinancing 24.0% and home improvement 16.3%, all conventional. That fits its typical loan of $185,000, smaller than the $245,000 at its peers.
Its 104 loans were 13% more than in 2024, against 5% at similar lenders and 10% for the whole market. It made between 111 and 149 loans a year from 2018 to 2023, so 2025 won back only part of the ground lost in 2024.
9.6% of its loans were in low- and moderate-income (LMI) neighborhoods, against 17.0% at similar lenders, fewer than at about four in five. That may reflect where it lends, with non-metro Maine among its main markets. Its share to LMI borrowers, 27.2%, was a little higher than at its peers.
It ranked 48 of 346 lenders in non-metro Maine and 83 of 364 in Portland-South Portland, markets it has served since 2004. Bangor Savings Bank and The Camden National Bank lead non-metro Maine.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Federal Savings and Loan Association of Bath took 122 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 49.0% · Refinance 24.0% · Home improvement 16.3% · Other 10.6%
Conventional 100.0% · of 104 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 | 104 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Portland-South Portland | 48 |
| Lewiston-Auburn | 3 |
| Bangor | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549002U96ZPEAFKGZ11 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 583071 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 43786 | 2004–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1703786 | 2011–2017 |
Established 1 January 1935. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: First Federal Savings and Loan Association of Bath's data.
First Federal Savings and Loan Association of Bath's data
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First Federal Savings and Loan Association of Bath 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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