Kennebec Savings Bank
Kennebec Savings Bank received 1,493 applications in 2025 and made 1,145 mortgages, in 16 counties across 1 state. The median rate its borrowers got was 7.000% on a median loan of $155,000. Of 1,460 decisions, 143 were denials — 9.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900CEBR2F5Y0F1A15 |
|---|---|
| Applications received | 1,493 |
| Mortgages made | 1,145 |
| Denied | 143 |
| Approved, not taken up | 172 |
| Withdrawn or incomplete | 33 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.442 points |
| FDIC-insured bank | Yes: Kennebec Savings Bank, 8 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 461 | 6.950% | $255,000 | 4.6% |
| Refinancing | 292 | 6.975% | $145,000 | 12.4% |
| Other purposes | 392 | 7.500% | $55,000 | 14.4% |
Where Kennebec Savings Bank lends most
The 16 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Kennebec County, ME | 770 | 7.000% | 9.1% |
| Cumberland County, ME | 82 | 6.950% | 10.0% |
| Somerset County, ME | 76 | 7.000% | 15.1% |
| Lincoln County, ME | 35 | 6.950% | 2.5% |
| Androscoggin County, ME | 33 | 6.950% | 10.6% |
| Waldo County, ME | 32 | 7.125% | 12.2% |
| Sagadahoc County, ME | 30 | 6.950% | 16.3% |
| Franklin County, ME | 26 | 7.000% | 9.1% |
| Penobscot County, ME | 20 | 7.000% | 13.0% |
| Knox County, ME | 15 | 6.500% | 0.0% |
| York County, ME | 9 | Under 10 loans | 15.4% |
| Oxford County, ME | 8 | Under 10 loans | 10.0% |
| Piscataquis County, ME | 6 | Under 10 loans | 11.1% |
| Aroostook County, ME | 3 | Under 10 loans | 0.0% |
| Hancock County, ME | 0 | Under 10 loans | 0.0% |
| Washington 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.