Mortgage lending in Penobscot County
3,698 mortgages were originated in Penobscot 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
- 3,698
- Median rate
- 6.875%
- Median lender fees
- $4,425
- Median loan amount
- $185,000
- Median spread over APOR
- 0.380
- Paid discount points
- 27.3%
- Received lender credits
- 19%
- Purchases / refinances
- 47.4% / 31.2%
- Conventional / FHA / VA
- 76.9% / 12.8% / 9.3%
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 61.2% 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 Penobscot County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Bangor Savings Bank | 613 | $3,501 | 7.250% |
| Maine Savings Federal Credit Union | 321 | $228 | 7.375% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 230 | $7,188 | 6.500% |
| Rocket Mortgage, LLC | 215 | $5,946 | 6.625% |
| The Camden National Bank | 145 | — | 6.990% |
| LEADERONE FINANCIAL CORPORATION | 112 | $4,655 | 6.750% |
| Machias Savings Bank | 103 | — | 7.500% |
| CMG MORTGAGE, INC. | 91 | $4,428 | 6.490% |
| Acadia Federal Credit Union | 90 | — | — |
| CUSO MORTGAGE CORPORATION | 81 | $3,850 | 6.625% |
What lenders charged here
Lender fees on a $185,000 loan, based on what was actually charged in Penobscot County — not a rule of thumb.
From 2,265 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