What loan types does Kennebec Savings Bank offer?

Kennebec Savings Bank offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Kennebec Savings Bank offer mortgages?

Kennebec Savings Bank offers mortgages in 1 states: ME.

How competitive are Kennebec Savings Bank's mortgage rates?

Kennebec Savings Bank has an overall pricing score of 48/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Kennebec Savings Bank?

Kennebec Savings Bank is a Bank headquartered in Augusta, ME.

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Kennebec Savings Bank

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

Kennebec Savings Bank has 388 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

Sound

3/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

Conventional

Place

Strong

4/5

Single State · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Strong pull through performance

Explore another lender or local market

Report Card

Kennebec Savings Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+58.2 bps above market avg

3/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

382 loans · 0.59% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

303 loans · 0.59% above market

Sound

Top 60% of lenders

3/5

Refinance

85 loans · 0.54% above market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Single State · 3 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Strong	Sound	Sound	382	98.5%	+0.592%Above	$60Fees

Conventional

Overall

Sound

Product

Strong

Pricing

Sound

Pull Through

Sound

Volume382

Mix98.5%

Spread

+0.592%Above

Fees

$60Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Sound	303	78.1%	+0.595%Above	$74Fees
Refinance	Sound	Strong	Acceptable	Strong	85	21.9%	+0.542%Above	$13Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume303

Mix78.1%

Spread

+0.595%Above

Fees

$74Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume85

Mix21.9%

Spread

+0.542%Above

Fees

$13Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

388

Applications

545

Volume

$109 million

Pricing & Closing

Avg Rate Spread

+0.582%

vs. market APOR

Avg Net Fees

$59

Origination − Credits

Pullthrough Rate

71.2%

Applications → Closed

Typical Borrower

Avg Loan Amount

$281,082

Avg Borrower Income

$171,325

Avg Property Value

$403,634

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

All statesNone

Northeast1

Top Metro Areas by Place Specialization Score

Portland, MEMetro

Volume 36Mix 9.28% of portfolio

63/100

Strong

Lewiston, MEMetro

Volume 23Mix 5.93% of portfolio

62/100

Strong

Top States by Place Specialization Score

MaineState

Volume 388Mix 100.00% of portfolio

89/100

Exceptional

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.