Applications / Mortgage Analytics / Lenders / Maine / Skowhegan Savings Bank
Skowhegan, ME · Savings institution · FDIC · $842 million assets · 186 loans in 2025
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186
loans originated, 2025
308
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Skowhegan Savings Bank is a Maine lender that grew faster in 2025 than nearly nine in ten similar savings institutions, though it still makes far fewer loans than in 2020.
It made 186 loans, up 42% from 131 in 2024. Similar lenders (savings institutions making between half and twice as many loans) grew by 7% and the whole market by 10%. The rebound leaves it well short of the 492 loans it made in 2020.
All its lending is in Maine, across 13 counties. Its largest market is non-metro Maine, where it ranked 17 of 346 lenders; Bangor Savings Bank and The Camden National Bank lead there. In Portland, Bangor and Lewiston its share was 0.3% or less.
Of its loans, 6.5% were guaranteed by the Department of Agriculture's Rural Housing Service (RHS), a higher share than at nearly all similar lenders, most of which made none. Home purchases took 68.8% of its lending and home improvement 14.5%.
Borrowers with low or moderate incomes took 21.9% of its loans, up from 17.1% in 2024 but a little below the 24.8% at similar lenders. The incomes of the 13 Maine counties it serves could account for the difference. Its share in poorer neighborhoods (low- and moderate-income tracts), 16.9%, was near the middle of its 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Skowhegan Savings Bank took 308 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 68.8% · Home improvement 14.5% · Refinance 12.4% · Other 4.3%
Conventional 93.5% · USDA (RHS or FSA) 6.5% · of 186 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 | 186 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Portland-South Portland | 14 |
| Bangor | 11 |
| Lewiston-Auburn | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930083VRKEK3SXZJ31 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 401906 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 319532 | 2004–2017 |
Established 2 October 1869. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Skowhegan Savings Bank's data.
Skowhegan Savings Bank's data
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Skowhegan Savings Bank 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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