Bath Savings Institution
Bath Savings Institution received 296 applications in 2025 and made 192 mortgages, in 15 counties across 1 state. The median rate its borrowers got was 7.000% on a median loan of $290,000. Of 228 decisions, 36 were denials — 15.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300SVSM8JMOZJXF07 |
|---|---|
| Applications received | 296 |
| Mortgages made | 192 |
| Denied | 36 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 68 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.421 points |
| FDIC-insured bank | Yes: Bath Savings Institution, 13 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 142 | 6.875% | $335,000 | 11.8% |
| Refinancing | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 20 | 7.375% | $150,000 | 28.6% |
| Other purposes | 23 | 7.750% | $65,000 | 28.1% |
Where Bath Savings Institution lends most
The 15 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Cumberland County, ME | 91 | 7.000% | 14.1% |
| Sagadahoc County, ME | 45 | 7.000% | 21.1% |
| Lincoln County, ME | 24 | 7.000% | 17.2% |
| Androscoggin County, ME | 10 | 7.063% | 16.7% |
| York County, ME | 7 | Under 10 loans | 0.0% |
| Kennebec County, ME | 6 | Under 10 loans | 0.0% |
| Oxford County, ME | 2 | Under 10 loans | 0.0% |
| Aroostook County, ME | 1 | Under 10 loans | 0.0% |
| Hancock County, ME | 1 | Under 10 loans | 0.0% |
| Knox County, ME | 1 | Under 10 loans | 0.0% |
| Penobscot County, ME | 1 | Under 10 loans | 0.0% |
| Piscataquis County, ME | 1 | Under 10 loans | 50.0% |
| Somerset County, ME | 1 | Under 10 loans | 0.0% |
| Waldo County, ME | 1 | Under 10 loans | 0.0% |
| Franklin County, ME | 0 | Under 10 loans | 100.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.