Mortgage lending in Somerset County
1,107 mortgages were originated in Somerset 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
- 1,107
- Median rate
- 6.750%
- Median lender fees
- $4,543
- Median loan amount
- $175,000
- Median spread over APOR
- 0.439
- Paid discount points
- 29.3%
- Received lender credits
- 21%
- Purchases / refinances
- 47.7% / 30.4%
- Conventional / FHA / VA
- 69.3% / 15.4% / 13%
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 63.1% 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 Somerset County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Bangor Savings Bank | 135 | $4,177 | 7.500% |
| Kennebec Savings Bank | 76 | — | 7.000% |
| Rocket Mortgage, LLC | 75 | $5,797 | 6.750% |
| The Camden National Bank | 65 | — | 6.990% |
| SEBASTICOOK VALLEY Federal Credit Union | 63 | — | — |
| UNITED SHORE FINANCIAL SERVICES, LLC | 59 | $5,822 | 6.624% |
| Skowhegan Savings Bank | 57 | — | — |
What lenders charged here
Lender fees on a $175,000 loan, based on what was actually charged in Somerset County — not a rule of thumb.
From 698 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