Mortgage lending in Androscoggin County
2,556 mortgages were originated in Androscoggin County, Maine, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,556
- Median rate
- 6.625%
- Median lender fees
- $4,762
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $245,000
- Above the going rate (spread over APOR)
- 0.393
- Paid discount points
- 30.6%
- Received lender credits
- 18%
- Purchases / refinances
- 49.3% / 31.8%
- Conventional / FHA / VA
- 73.8% / 17.4% / 8.2%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 70% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $318,000
- That home, 20% down
- $254,400
A median-priced home with 20% down leaves $578,350 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Androscoggin County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Guild Mortgage Company | 234 | $5,445 | 6.625% |
| United Shore Financial Services, LLC | 183 | $7,604 | 6.599% |
| Rocket Mortgage, LLC | 153 | $6,229 | 6.500% |
| Bangor Savings Bank | 143 | $4,128 | 6.831% |
| Dirigo Federal Credit Union | 136 | — | — |
| CMG Mortgage, Inc. | 133 | $4,633 | 6.490% |
| Maine Community Bank | 85 | — | — |
| The Camden National Bank | 68 | — | 6.990% |
| Lisbon Community | 67 | — | — |
| T2 Financial LLC | 66 | $5,782 | 6.625% |
What lenders charged here
Lender fees on a $245,000 loan, based on what was actually charged in Androscoggin County — not a rule of thumb.
From 1,788 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers