Machias Savings Bank
Machias Savings Bank received 840 applications in 2025 and made 554 mortgages, in 17 counties across 3 states. The median rate its borrowers got was 7.500% on a median loan of $155,000. Of 773 decisions, 183 were denials — 23.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300P0GXZAWI355052 |
|---|---|
| Applications received | 840 |
| Mortgages made | 554 |
| Denied | 183 |
| Approved, not taken up | 36 |
| Withdrawn or incomplete | 67 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.633 points |
| FDIC-insured bank | Yes: Machias Savings Bank, 16 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 280 | 7.188% | $205,000 | 16.4% |
| Refinancing | 89 | 7.500% | $155,000 | 17.5% |
| Cash-out refinancing | 22 | 6.938% | $135,000 | 29.4% |
| Other purposes | 163 | 7.500% | $75,000 | 35.5% |
Where Machias Savings Bank lends most
The 17 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Aroostook County, ME | 166 | 7.000% | 25.4% |
| Washington County, ME | 128 | 7.375% | 27.4% |
| Penobscot County, ME | 103 | 7.500% | 16.1% |
| Hancock County, ME | 87 | 7.500% | 23.8% |
| Cumberland County, ME | 14 | 7.500% | 27.3% |
| Knox County, ME | 11 | 7.250% | 11.1% |
| Waldo County, ME | 9 | Under 10 loans | 9.1% |
| Somerset County, ME | 7 | Under 10 loans | 36.4% |
| York County, ME | 7 | Under 10 loans | 12.5% |
| Androscoggin County, ME | 5 | Under 10 loans | 0.0% |
| Kennebec County, ME | 4 | Under 10 loans | 37.5% |
| Piscataquis County, ME | 4 | Under 10 loans | 33.3% |
| Franklin County, ME | 3 | Under 10 loans | 50.0% |
| Lee County, FL | 2 | Under 10 loans | 0.0% |
| Oxford County, ME | 2 | Under 10 loans | 0.0% |
| Sagadahoc County, ME | 1 | Under 10 loans | 0.0% |
| Hillsborough County, NH | 1 | Under 10 loans | 0.0% |
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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.