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refinance lenders · HMDA 2023–2025

Refinance lenders in Kennebec County, Maine

Fat Boy Data analyzed mortgage refinance activity in Kennebec County, Maine, home to Augusta, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,365 applications were decided by 99 lenders between 2023 and 2025.

Kennebec County at a glance

99Active lenders12 with 20+ decisions
83.4%Market approval rate1,138 of 1,365 decided
$105KTypical loanmedian lender, $10K brackets
94%Borrower take-up1,072 loans funded

How Kennebec County compares

Approval rate compared
Kennebec County83.4%Maine81.4%All 616 counties76.5%
Typical loan compared
Kennebec County$105KMaine$205KAll 616 counties$295K

What the data shows

Kennebec Savings Bank made the most mortgage refinances in Kennebec County, ME, 471 of them.

That is 44% of every mortgage refinance originated here, so this market is unusually concentrated in one lender.

Pennymac Loan Services, LLC approved the highest share of applications among lenders with at least 20 decisions here, 100% of 22.

The typical mortgage refinance here is $105K, 49% smaller than the Maine typical of $205K.

Approval rate of all 12 lenders with 20+ decisions here
0%25%50%75%100%One lender: 18% approved of 22One lender: 70% approved of 46One lender: 71% approved of 28One lender: 76% approved of 21Bangor Savings Bank: 80% approved of 70Rocket Mortgage, LLC: 81% approved of 67Kennebec Savings Bank: 89% approved of 562One lender: 92% approved of 48United Wholesale Mortgage, LLC: 92% approved of 75One lender: 95% approved of 38Freedom Mortgage Corporation: 98% approved of 56One lender: 100% approved of 22

Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.

Refinance lenders in Kennebec County

LenderApprovalApprovedTaken upTypical loanLoans made
1Kennebec Savings Bank89%498 / 56295%$105K471
2United Wholesale Mortgage, LLCBroker only92%69 / 7596%$305K66
3Bangor Savings Bank80%56 / 70100%$155K56
4Rocket Mortgage, LLC81%54 / 6789%$245K48
5Freedom Mortgage Corporation98%55 / 5678%$265K43

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.

Fat Boy found 94 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest mortgage refinance lenders in Kennebec County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.

  • Every lender in the market
  • Approval rate and borrower take-up
  • Typical loan size and range
  • Nearest office and distance
  • Branch count and application options
  • How easy each lender is to reach

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