Mortgage lending in Cumberland County
8,185 mortgages were originated in Cumberland 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
- 8,185
- Median rate
- 6.750%
- Median lender fees
- $4,248
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
- $305,000
- Above the going rate (spread over APOR)
- 0.257
- Paid discount points
- 20.6%
- Received lender credits
- 17.8%
- Purchases / refinances
- 44.7% / 28.5%
- Conventional / FHA / VA
- 91.8% / 5% / 3.1%
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 65% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $615,250
- Median home price
- $535,000
- That home, 20% down
- $428,000
A median-priced home with 20% down leaves $404,750 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 Cumberland County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Bangor Savings Bank | 838 | $3,797 | 7.000% |
| United Shore Financial Services, LLC | 583 | $5,596 | 6.599% |
| Evergreen Credit Union | 409 | $275 | 6.500% |
| Town & Country Federal Credit Union | 394 | $300 | 7.250% |
| Guild Mortgage Company | 368 | $4,486 | 6.625% |
| Rocket Mortgage, LLC | 305 | $5,732 | 6.750% |
| The Camden National Bank | 300 | $4,062 | 6.740% |
| CMG Mortgage, Inc. | 300 | $4,438 | 6.625% |
| TD Bank, National Association | 277 | $2,600 | 7.340% |
| Norway Savings Bank | 266 | $4,083 | 7.250% |
What lenders charged here
Lender fees on a $305,000 loan, based on what was actually charged in Cumberland County — not a rule of thumb.
From 5,319 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