Bath Savings Institution mortgage approval rate & lending review
Bath Savings Institution decided 411 mortgage applications and funded 366 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Bath Savings Institution reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Bath Savings Institution at a glance
Approval is 7.7 points above the 81.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 90% | 216 / 241 | 100% | $325K | 215 |
| Home improvement loans | 91% | 43 / 47 | 100% | $75K | 43 |
| Cash-out refinance | 78% | 31 / 40 | 100% | $145K | 31 |
| Investment property purchase | 98% | 60 / 61 | 98% | $435K | 59 |
Bath Savings Institution lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Maine | 90% | $325K | 411 | 366 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Bath Savings Institution lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Cumberland County, ME | Mortgage lenders | 90% | 195 | 174 |
| Cumberland County, ME | Investment property purchase | 98% | 46 | 45 |
| Cumberland County, ME | Home improvement loans | 91% | 43 | 39 |
| Cumberland County, ME | Cash-out refinance | 81% | 37 | 30 |
| Androscoggin County, ME | Mortgage lenders | 96% | 25 | 24 |
The county markets where Bath Savings Institution made the most loans. Each link opens that market with every lender ranked.
Questions about Bath Savings Institution
What is Bath Savings Institution's mortgage approval rate?
Bath Savings Institution approved 89.5% of the 411 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.7 points above the 81.8% national rate for the same mix of loan types.
How often do borrowers take the loan Bath Savings Institution offers?
Borrowers accepted 99% of the loans Bath Savings Institution approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Bath Savings Institution make?
The typical home purchase mortgage loan Bath Savings Institution made was $325K; across all loan types its typical loan ran from $75K to $435K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Bath Savings Institution lend?
Bath Savings Institution decided applications in 1 of the states Fat Boy Data covers, most of them in Maine.
Can I apply to Bath Savings Institution directly?
Yes. Bath Savings Institution is a bank or credit union with 12 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Bath Savings Institution's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Bath Savings Institution treats applications, then get a rate quote from the lender.