What loan types does Bath Savings Institution offer?

Bath Savings Institution offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does Bath Savings Institution offer mortgages?

Bath Savings Institution offers mortgages in 1 states: ME.

How competitive are Bath Savings Institution's mortgage rates?

Bath Savings Institution has an overall pricing score of 65.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Bath Savings Institution?

Bath Savings Institution is a Bank headquartered in Bath, ME.

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Bath Savings Institution

Bank•Bath, MEHQ•Direct•Reviews near you on Google

Bath Savings Institution has 145 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Strong

4/5

Single State · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Offers rates 40.00 basis points below market average
Lower than average lender fees
Strong pull through performance

Explore another lender or local market

Report Card

Bath Savings Institution performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

Rates 40.0 bps below market avg

4/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

127 loans · 0.39% below market

Sound

Top 60% of lenders

3/5

Jumbo

16 loans · 0.31% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

137 loans · 0.42% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Single State · 3 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Strong	Sound	127	87.6%	-0.394%Below	$1,256Fees
Jumbo Loans	Strong	Strong	—	Strong	16	11.0%	-0.307%Below	$1,262Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume127

Mix87.6%

Spread

-0.394%Below

Fees

$1,256Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

Volume16

Mix11.0%

Spread

-0.307%Below

Fees

$1,262Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Strong	Sound	137	94.5%	-0.421%Below	$1,244Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume137

Mix94.5%

Spread

-0.421%Below

Fees

$1,244Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

145

Applications

195

Volume

$60 million

Pricing & Closing

Avg Rate Spread

-0.400%

vs. market APOR

Avg Net Fees

$1,232

Origination − Credits

Pullthrough Rate

74.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$415,069

Avg Borrower Income

$206,386

Avg Property Value

$664,172

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

< 100100+None

Northeast1

Top Metro Areas by Place Specialization Score

Portland, MEMetro

Volume 104Mix 71.72% of portfolio

83/100

Exceptional

Lewiston, MEMetro

Volume 12Mix 8.28% of portfolio

51/100

Sound

Top States by Place Specialization Score

MaineState

Volume 145Mix 100.00% of portfolio

79/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.