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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 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%Discover Bank: 18% approved of 22Maine State Credit Union: 70% approved of 46Mortgage Research Center, LLC: 71% approved of 28KeyBank National Association: 76% approved of 21Bangor Savings Bank: 80% approved of 70Rocket Mortgage, LLC: 81% approved of 67Kennebec Savings Bank: 89% approved of 562Guild Mortgage Company LLC: 92% approved of 48United Wholesale Mortgage, LLC: 92% approved of 75TD Bank, National Association: 95% approved of 38Freedom Mortgage Corporation: 98% approved of 56Pennymac Loan Services, LLC: 100% approved of 22

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

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 the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 94 more lenders.

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

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  • Typical loan and full range
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