Mortgage lending in Kennebec County
3,328 mortgages were originated in Kennebec 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
- 3,328
- Median rate
- 6.750%
- Median lender fees
- $4,118
- Median loan amount
- $215,000
- Median spread over APOR
- 0.340
- Paid discount points
- 23.1%
- Received lender credits
- 16.6%
- Purchases / refinances
- 49% / 27.7%
- Conventional / FHA / VA
- 76.6% / 13.1% / 9%
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 65.5% 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 Kennebec County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Kennebec Savings Bank | 770 | $423 | 7.000% |
| Maine State Credit Union | 232 | — | — |
| GUILD MORTGAGE COMPANY | 222 | $5,798 | 6.500% |
| Bangor Savings Bank | 213 | $3,716 | 6.990% |
| The Camden National Bank | 175 | $3,614 | 6.990% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 163 | $6,204 | 6.250% |
| Rocket Mortgage, LLC | 159 | $5,938 | 6.750% |
| CMG MORTGAGE, INC. | 81 | $5,572 | 6.625% |
| Fairway Independent Mortgage Corporation | 66 | $7,034 | 6.490% |
| Mortgage Research Center, LLC | 60 | $4,154 | 6.250% |
What lenders charged here
Lender fees on a $215,000 loan, based on what was actually charged in Kennebec County — not a rule of thumb.
From 2,181 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