Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Kennebec County, Maine
Every institution that decided a 1–4 unit mortgage application in Kennebec County, home to Augusta, between 2023 and 2025: 10,171 applications, 7,930 loans actually funded, across 8 kinds of borrowing.
Kennebec County at a glance
10,171Applications decided
2023–2025
7,930Loans funded
78% of decisions
36Census tracts
19 ZIP codes
125,614People
ACS 2023
What the data shows
The typical purchase mortgage here is $255K.
Investment cash-out refinance is the hardest money to get here: lenders approved 64% of 114 applications.
Lending by loan type in Kennebec County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 89.7% | 4,768 | $255K | 93% | 201 |
| Home improvement loans | 77.8% | 1,614 | $45K | 95% | 68 |
| Cash-out refinance | 64.8% | 1,293 | $155K | 95% | 117 |
| Refinance | 83.4% | 1,365 | $105K | 94% | 99 |
| Investment property purchase | 89.5% | 713 | $215K | 93% | 126 |
| Investment cash-out refinance | 64.0% | 114 | $185K | 95% | 50 |
| Investment refinance | 83.5% | 152 | $185K | 94% | 41 |
| Investment home improvement | 77.6% | 152 | $85K | 95% | 33 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.