Mortgage lending in Aroostook County
1,099 mortgages were originated in Aroostook County, Maine, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,099
- Median rate
- 6.750%
- Median lender fees
- $4,289
- Median loan amount
- $135,000
- Median spread over APOR
- 0.434
- Paid discount points
- 30.8%
- Received lender credits
- 17.4%
- Purchases / refinances
- 49.7% / 32.8%
- Conventional / FHA / VA
- 74.8% / 8.3% / 12.3%
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 54.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Aroostook County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Machias Savings Bank | 166 | $3,753 | 7.000% |
| The County Federal Credit Union | 149 | — | — |
| Katahdin Trust Company | 91 | — | — |
| Acadia Federal Credit Union | 90 | — | — |
| Rocket Mortgage, LLC | 76 | $5,452 | 6.875% |
| Bangor Savings Bank | 52 | — | 6.870% |
What lenders charged here
Lender fees on a $135,000 loan, based on what was actually charged in Aroostook County — not a rule of thumb.
From 599 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers