Augusta - Waterville Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Augusta - Waterville averaged 6.91% for the week of 2023-03-23, compared to the national average of 6.42% for the same period.

The average rate for the prior week (2023-03-16) was 7.09% and one month ago for the week of 2023-02-16, the average rate was 6.81%.

Augusta - Waterville's average rate one year ago was 4.08%.

For refis of the same type during the week of 2023-03-23, the average rate was 6.94%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-03-23 6.42%
Augusta - Waterville 30 Year Fixed Rate 2023-03-23 6.91%
Augusta - Waterville 30 Year Fixed Rate Refi 2023-03-23 6.94%
Augusta - Waterville 15 Year Fixed Rate 2023-03-23 6.25%
Augusta - Waterville 15 Year Fixed Rate Refi 2023-03-23 6.29%
Augusta - Waterville 30 Year FHA 2023-03-23 6.1%
Augusta - Waterville 30 Year FHA Refi 2023-03-23 5.9%
Augusta - Waterville 30 Year USDA 2023-03-23 5.93%
Augusta - Waterville 30 Year USDA Refi 2023-03-23 5.96%
Augusta - Waterville 30 Year VA 2023-03-23 6.26%
Augusta - Waterville 30 Year VA Refi 2023-03-23 5.99%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Augusta-Waterville, ME.

Augusta - Waterville Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Augusta-Waterville, ME market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
QUICKEN LOANS, LLC 84 4.92% $7,049
GUILD MORTGAGE COMPANY 76 5.30% $4,430
Bangor Savings Bank 73 4.84% $3,415
Kennebec Savings Bank 66 4.93% $752
The Camden National Bank 55 4.93% $4,506
UNITED WHOLESALE MORTGAGE, LLC 49 5.10% $5,862
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 36 5.24% $5,209
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 35 5.78% $4,828
CMG MORTGAGE, INC. 34 5.63% $4,919
Androscoggin Savings Bank 22 5.56% $3,655
KeyBank 22 4.79% $4,058
TD Bank 21 4.46% $3,652
LOANDEPOT.COM, LLC 19 4.59% $6,352
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 14 5.52% $3,931
NORTHPOINT MORTGAGE, INC. 13 4.91% $4,468
JPMorgan Chase Bank 12 4.54% $5,099
CALIBER HOME LOANS, INC. 12 5.43% $5,465
AMERISAVE MORTGAGE CORPORATION 11 4.22% $6,454
DAS Acquisition Company, LLC 11 5.41% $5,417
CUSO MORTGAGE CORPORATION 10 4.53% $4,043
LEADERONE FINANCIAL CORPORATION 10 4.72% $3,998
NAVY FEDERAL CREDIT UNION 10 5.43% $2,982
FIVE COUNTY 9 4.38% $3,096
INTEGRITY MORTGAGE LLC 8 5.03% $4,018
NEWREZ LLC 8 4.45% $5,053
Mr. Cooper ( Nationstar Mortgage ) 8 5.15% $8,170
T2 FINANCIAL LLC 8 5.48% $5,720
CROSSCOUNTRY MORTGAGE, LLC 7 6.34% $8,395
GUARANTEED RATE, INC. 7 5.23% $4,435
ATLANTIC REGIONAL FEDERAL CREDIT UNION 7 4.77% $3,895
First National Bank 6 6.06% $3,193
MOVEMENT MORTGAGE, LLC 6 5.46% $3,308
BROKER SOLUTIONS, INC. 6 4.62% $4,440
Maine Savings Federal Credit Union 6 4.68% $3,170
Bank of America 6 4.25% $4,382
University Credit Union 6 4.17% $2,760
TOTAL MORTGAGE SERVICES, LLC 6 5.67% $7,485
Wells Fargo Bank 6 4.42% $4,722
Mortgage Network, Inc. 5 4.17% $5,205
NORWICH COMMERCIAL GROUP, INC. 5 4.63% $6,852
Down East Credit Union 5 3.88% $3,657
HOMEBRIDGE FINANCIAL SERVICES, INC. 5 5.60% $8,879
BETTER MORTGAGE CORPORATION 5 3.50% $3,996
FREEDOM MORTGAGE CORPORATION 4 4.75% $5,131
Bar Harbor Bank & Trust 4 4.94% $3,208
EMBRACE HOME LOANS, INC. 4 4.09% $3,804
Bath Savings Institution 4 4.75% $4,790
Citizens Bank 4 3.94% $3,688
Discover Bank 4 4.79% $0
Quontic Bank 3 7.71% $9,339
TOWN & COUNTRY FEDERAL CREDIT UNION 3 6.29% $2,807
MAINE FAMILY 3 3.96% $1,584
ACADEMY MORTGAGE CORPORATION 3 5.50% $5,930
EVERETT FINANCIAL, INC. 3 4.46% $2,565
NORTHEAST HOME LOAN, LLC 3 3.75% $5,560
AMERICAN FINANCING CORPORATION 3 4.88% $6,153
M&T Bank 3 4.13% $3,849
NORTHEAST CREDIT UNION 3 4.13% $2,120
Mascoma Bank 2 4.44% $4,426
Mortgage Research Center, LLC 2 5.50% $7,500
UBS Bank USA 2 3.25% $4,604
Waterstone Mortgage Corporation 2 4.88% $7,354
U.S. Bank 2 6.81% $8,323
Fall River Five Cents Savings Bank 2 4.69% $3,277
ENVOY MORTGAGE, LTD 2 5.63% $6,018
Deere Employees Credit Union 2 3.62% $3,347
GUARANTEED RATE AFFINITY, LLC 2 4.64% $4,521
RELIANCE FIRST CAPITAL, LLC 2 4.75% $7,792
HARBORONE MORTGAGE, LLC 2 5.50% $8,751
Morgan Stanley Private Bank 2 3.58% $3,234
CHURCHILL MORTGAGE CORPORATION 2 5.49% $9,248
Carrington Mortgage Services, LLC 2 3.56% $5,971
Norway Savings Bank 2 5.31% $3,459
LAKEVIEW LOAN SERVICING, LLC 2 4.18% $4,290
Leader Bank 2 5.44% $4,599
NBKC BANK 2 4.81% $2,856
Machias Savings Bank 2 4.69% $3,496
ZILLOW HOME LOANS, LLC 1 5.50% $5,355
Advisors Mortgage Group, L.L.C. 1 3.75% $3,553
AFFINITY 1 5.13% $2,378
Alerus Financial 1 3.50% $3,152
ALLIED MORTGAGE GROUP, INC. 1 6.13% $2,157
Ally Bank 1 5.38% $4,733
AMERICAN PACIFIC MORTGAGE CORPORATION 1 3.38% $2,840
ANDREWS FEDERAL CREDIT UNION 1 4.63% $3,416
Arbor Bank 1 5.63% $3,062
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 4.99% $5,316
Arvest Bank 1 5.63% $8,089
Bank of England 1 6.63% $5,949
Barrington Bank & Trust Company, N.A. 1 6.00% $6,293
BAY EQUITY LLC 1 5.88% $4,184
Bethpage Federal Credit Union 1 4.25% $3,623
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 1 4.50% $4,378
DRAPER AND KRAMER MORTGAGE CORP. 1 4.75% $7,466
EVERGREEN 1 4.13% $3,492
Farm Credit East, ACA 1 7.10% $2,540
First Federal Bank 1 2.75% $6,900
First Guaranty Mortgage Corporation 1 5.25% $4,427
First Savings Bank 1 5.13% $3,641
HOME POINT FINANCIAL CORPORATION 1 3.99% $5,652
INLAND BANK & TRUST 1 6.50% $3,545
MAINE HIGHLANDS FEDERAL CREDIT UNION 1 5.50% $5,011
MEGASTAR FINANCIAL CORP. 1 5.75% $5,496
MORTGAGE EQUITY PARTNERS LLC 1 6.63% $14,974
North American Savings Bank, F.S.B. 1 4.38% $2,996
NORTHERN MORTGAGE SERVICES, LLC 1 5.88% $3,146
Paramount Residential Mortgage Group, Inc. 1 6.38% $5,784
PENNYMAC LOAN SERVICES, LLC 1 3.25% $8,035
PENTAGON FEDERAL CREDIT UNION 1 5.38% $2,251
PHH Mortgage Corporation 1 4.88% $3,334
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 5.99% $14,597
RBC Bank, (Georgia) 1 5.38% $2,429
RESIDENTIAL MORTGAGE SERVICES, INC. 1 3.50% $3,843
Rockland Trust Company 1 4.50% $3,561
Saco & Biddeford Savings Institution 1 3.59% $5,458
Santander Bank, N.A. 1 3.50% $4,438
SEABOARD FEDERAL CREDIT UNION 1 2.75% $3,069
Servion, Inc. 1 4.88% $2,851
Silicon Valley Bank 1 3.50% $4,159
The Federal Savings Bank 1 3.88% $8,189
The Huntington National Bank 1 4.63% $5,864
USAA Federal Savings Bank 1 7.38% $3,662
21ST MORTGAGE CORPORATION 1 6.75% $6,378

Augusta - Waterville Average Closing Costs & Other Stats

Augusta-Waterville, ME's 123 lenders originated 3,549 loans during 2022. The total origination value was $704,395,000, with an average loan value of $198,477.

Augusta - Waterville's average closing costs are $4,652.

The top Augusta - Waterville lender as defined by loan originations is QUICKEN LOANS, LLC, with 84 loans originated. Their average total fees are $7,049, which is $2,619 higher than the next largest lender, GUILD MORTGAGE COMPANY.

The lowest fee Augusta - Waterville lenders (with over 10 loans originated) are Kennebec Savings Bank ($752), NAVY FEDERAL CREDIT UNION ($2,982), Bangor Savings Bank ($3,415), TD Bank ($3,652) and Androscoggin Savings Bank ($3,655).

The lowest rate Augusta - Waterville lenders (with over 10 loans originated) are AMERISAVE MORTGAGE CORPORATION (4.22%), TD Bank (4.46%), CUSO MORTGAGE CORPORATION (4.53%), JPMorgan Chase Bank (4.54%) and LOANDEPOT.COM, LLC (4.59%).

Augusta-Waterville, ME Mortgage Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
Kennebec Savings Bank $191,890,000 $159,185,000 -17.0% 22.6%
Bangor Savings Bank $52,115,000 $50,095,000 -3.9% 7.1%
GUILD MORTGAGE COMPANY $4,030,000 $39,815,000 888.0% 5.7%
QUICKEN LOANS, LLC $73,425,000 $39,455,000 -46.3% 5.6%
The Camden National Bank $55,885,000 $33,020,000 -40.9% 4.7%
First National Bank $5,910,000 $24,610,000 316.4% 3.5%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $21,425,000 $21,785,000 1.7% 3.1%
UNITED WHOLESALE MORTGAGE, LLC $32,370,000 $21,740,000 -32.8% 3.1%
CMG MORTGAGE, INC. $25,960,000 $19,760,000 -23.9% 2.8%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $9,175,000 $13,825,000 50.7% 2.0%
Skowhegan Savings Bank $16,865,000 $12,205,000 -27.6% 1.7%
Mortgage Research Center, LLC $18,265,000 $11,765,000 -35.6% 1.7%
TD Bank $9,875,000 $10,540,000 6.7% 1.5%
KeyBank $18,630,000 $9,820,000 -47.3% 1.4%
Androscoggin Savings Bank $10,030,000 $8,985,000 -10.4% 1.3%
Mr. Cooper ( Nationstar Mortgage ) $7,545,000 $8,580,000 13.7% 1.2%
NAVY FEDERAL CREDIT UNION $7,620,000 $7,770,000 2.0% 1.1%
LOANDEPOT.COM, LLC $12,945,000 $7,640,000 -41.0% 1.1%
DAS Acquisition Company, LLC $9,400,000 $7,215,000 -23.2% 1.0%
CALIBER HOME LOANS, INC. $6,850,000 $6,430,000 -6.1% 0.9%
NORTHPOINT MORTGAGE, INC. $9,005,000 $5,865,000 -34.9% 0.8%
Machias Savings Bank $4,570,000 $5,625,000 23.1% 0.8%
AMERISAVE MORTGAGE CORPORATION $11,300,000 $5,240,000 -53.6% 0.7%
FREEDOM MORTGAGE CORPORATION $20,685,000 $5,160,000 -75.1% 0.7%
CROSSCOUNTRY MORTGAGE, LLC $3,980,000 $4,470,000 12.3% 0.6%
JPMorgan Chase Bank $3,025,000 $4,440,000 46.8% 0.6%
T2 FINANCIAL LLC $3,640,000 $4,200,000 15.4% 0.6%
ATLANTIC REGIONAL FEDERAL CREDIT UNION $3,565,000 $4,095,000 14.9% 0.6%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $350,000 $4,005,000 1,044.3% 0.6%
PENNYMAC LOAN SERVICES, LLC $9,250,000 $3,890,000 -57.9% 0.6%
Bank of America $5,620,000 $3,760,000 -33.1% 0.5%
CPORT $8,975,000 $3,750,000 -58.2% 0.5%
CUSO MORTGAGE CORPORATION $11,710,000 $3,735,000 -68.1% 0.5%
LEADERONE FINANCIAL CORPORATION $5,275,000 $3,580,000 -32.1% 0.5%
NEWREZ LLC $8,100,000 $3,375,000 -58.3% 0.5%
NORWICH COMMERCIAL GROUP, INC. $4,300,000 $3,205,000 -25.5% 0.5%
HOMEBRIDGE FINANCIAL SERVICES, INC. $5,475,000 $2,950,000 -46.1% 0.4%
TOTAL MORTGAGE SERVICES, LLC $5,960,000 $2,905,000 -51.3% 0.4%
GUARANTEED RATE, INC. $2,985,000 $2,785,000 -6.7% 0.4%
BROKER SOLUTIONS, INC. $3,090,000 $2,660,000 -13.9% 0.4%
Wells Fargo Bank $10,785,000 $2,655,000 -75.4% 0.4%
ACADEMY MORTGAGE CORPORATION $4,850,000 $2,640,000 -45.6% 0.4%
Bar Harbor Bank & Trust $7,750,000 $2,610,000 -66.3% 0.4%
Citizens Bank $6,085,000 $2,575,000 -57.7% 0.4%
SIS BANCORP, MHC $640,000 $2,570,000 301.6% 0.4%
NEW DAY FINANCIAL, LLC $2,800,000 $2,480,000 -11.4% 0.4%
INTEGRITY MORTGAGE LLC $1,345,000 $2,450,000 82.2% 0.3%
Mortgage Network, Inc. $5,340,000 $2,430,000 -54.5% 0.3%
MOVEMENT MORTGAGE, LLC $3,820,000 $2,395,000 -37.3% 0.3%
Gorham Savings Bank $220,000 $2,360,000 972.7% 0.3%
USAA Federal Savings Bank $4,195,000 $2,265,000 -46.0% 0.3%
University Credit Union $2,020,000 $2,260,000 11.9% 0.3%
FIVE COUNTY $2,845,000 $2,200,000 -22.7% 0.3%
Norway Savings Bank $2,800,000 $2,190,000 -21.8% 0.3%
AMERICAN FINANCING CORPORATION $2,320,000 $2,120,000 -8.6% 0.3%
Dirigo Federal Credit Union $2,615,000 $1,990,000 -23.9% 0.3%
EMBRACE HOME LOANS, INC. $6,550,000 $1,885,000 -71.2% 0.3%
Carrington Mortgage Services, LLC $1,740,000 $1,825,000 4.9% 0.3%
LAKEVIEW LOAN SERVICING, LLC $4,630,000 $1,815,000 -60.8% 0.3%
Maine Savings Federal Credit Union $1,740,000 $1,765,000 1.4% 0.3%
Bath Savings Institution $1,515,000 $1,715,000 13.2% 0.2%
Katahdin Trust Company $2,195,000 $1,715,000 -21.9% 0.2%
The Federal Savings Bank $2,185,000 $1,670,000 -23.6% 0.2%
UBS Bank USA $705,000 $1,610,000 128.4% 0.2%
M&T Bank $875,000 $1,590,000 81.7% 0.2%
Down East Credit Union $155,000 $1,370,000 783.9% 0.2%
TRADEMARK $1,955,000 $1,370,000 -29.9% 0.2%
EVERETT FINANCIAL, INC. $265,000 $1,285,000 384.9% 0.2%
Discover Bank $355,000 $1,250,000 252.1% 0.2%
First Federal Savings and Loan Association of Bath $315,000 $1,225,000 288.9% 0.2%
Maine Community Bank $2,700,000 $1,220,000 -54.8% 0.2%
RELIANCE FIRST CAPITAL, LLC $1,680,000 $1,180,000 -29.8% 0.2%
TOWN & COUNTRY FEDERAL CREDIT UNION $1,175,000 n/a 0.2%
BETTER MORTGAGE CORPORATION $6,670,000 $1,150,000 -82.8% 0.2%
PENTAGON FEDERAL CREDIT UNION $185,000 $1,135,000 513.5% 0.2%
NORTHERN MORTGAGE SERVICES, LLC $745,000 $1,070,000 43.6% 0.2%
Quontic Bank $2,020,000 $1,060,000 -47.5% 0.2%
Leader Bank $775,000 $1,020,000 31.6% 0.1%
U.S. Bank $1,350,000 $1,005,000 -25.6% 0.1%
NORTHEAST CREDIT UNION $250,000 $995,000 298.0% 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $3,380,000 $970,000 -71.3% 0.1%
MEGASTAR FINANCIAL CORP. $1,600,000 $945,000 -40.9% 0.1%
Barrington Bank & Trust Company, N.A. $885,000 $935,000 5.6% 0.1%
GUARANTEED RATE AFFINITY, LLC $470,000 $920,000 95.7% 0.1%
HARBORONE MORTGAGE, LLC $8,325,000 $895,000 -89.2% 0.1%
Saco & Biddeford Savings Institution $680,000 $895,000 31.6% 0.1%
Silicon Valley Bank $895,000 n/a 0.1%
AMERICAN ADVISORS GROUP $600,000 $880,000 46.7% 0.1%
VILLAGE CAPITAL MORTGAGE $1,255,000 $845,000 -32.7% 0.1%
HOME POINT FINANCIAL CORPORATION $1,470,000 $825,000 -43.9% 0.1%
Morgan Stanley Private Bank $820,000 n/a 0.1%
NBKC BANK $600,000 $795,000 32.5% 0.1%
SEBASTICOOK VALLEY Federal Credit Union $725,000 $765,000 5.5% 0.1%
FUNDLOANS CAPITAL $755,000 n/a 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $1,160,000 $700,000 -39.7% 0.1%
MAINE FAMILY $1,305,000 $685,000 -47.5% 0.1%
First Savings Bank $425,000 $670,000 57.6% 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $650,000 n/a 0.1%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $470,000 $615,000 30.9% 0.1%
Paramount Residential Mortgage Group, Inc. $225,000 $595,000 164.4% 0.1%
Farm Credit East, ACA $930,000 $570,000 -38.7% 0.1%
DIGITAL Federal Credit Union $520,000 $565,000 8.7% 0.1%
21ST MORTGAGE CORPORATION $180,000 $560,000 211.1% 0.1%
MORTGAGE EQUITY PARTNERS LLC $370,000 $545,000 47.3% 0.1%
CUMBERLAND COUNTY $305,000 $540,000 77.0% 0.1%
Servion, Inc. $2,315,000 $525,000 -77.3% 0.1%
Northpointe Bank $185,000 $510,000 175.7% 0.1%
RESIDENTIAL MORTGAGE SERVICES, INC. $71,405,000 $500,000 -99.3% 0.1%
Deere Employees Credit Union $225,000 $490,000 117.8% 0.1%
CHURCHILL MORTGAGE CORPORATION $680,000 $480,000 -29.4% 0.1%
Mascoma Bank $480,000 n/a 0.1%
Waterstone Mortgage Corporation $580,000 $480,000 -17.2% 0.1%
First Federal Bank $770,000 $470,000 -39.0% 0.1%
North American Savings Bank, F.S.B. $460,000 $470,000 2.2% 0.1%
NORTHEAST HOME LOAN, LLC $195,000 $455,000 133.3% 0.1%
Shamrock Home Loans, Inc. $400,000 $450,000 12.5% 0.1%
Santander Bank, N.A. $445,000 n/a 0.1%
DRAPER AND KRAMER MORTGAGE CORP. $415,000 n/a 0.1%
REVERSE MORTGAGE FUNDING LLC $410,000 n/a 0.1%
LISBON COMMUNITY $890,000 $405,000 -54.5% 0.1%
INLAND BANK & TRUST $185,000 $395,000 113.5% 0.1%
SEABOARD FEDERAL CREDIT UNION $115,000 $390,000 239.1% 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $1,240,000 $370,000 -70.2% 0.1%
AMERICAN PACIFIC MORTGAGE CORPORATION $370,000 n/a 0.1%
LIBERTY HOME MORTGAGE CORPORATION $370,000 n/a 0.1%
Acadia Federal Credit Union $365,000 n/a 0.1%
Fall River Five Cents Savings Bank $360,000 n/a 0.1%
TRUCHOICE $405,000 $360,000 -11.1% 0.1%
Low VA Rates, LLC $1,235,000 $325,000 -73.7% 0.0%
Alerus Financial $320,000 n/a 0.0%
American Airlines Federal Credit Union $320,000 n/a 0.0%
Figure Lending LLC $320,000 n/a 0.0%
ALLIED MORTGAGE GROUP, INC. $315,000 n/a 0.0%
DREW MORTGAGE ASSOCIATES, INC. $305,000 n/a 0.0%
Flagstar Bank, FSB $1,005,000 $300,000 -70.1% 0.0%
Advisors Mortgage Group, L.L.C. $265,000 n/a 0.0%
Bethpage Federal Credit Union $55,000 $260,000 372.7% 0.0%
ENVOY MORTGAGE, LTD $490,000 $260,000 -46.9% 0.0%
Equity Prime Mortgage LLC $310,000 $260,000 -16.1% 0.0%
FINANCE OF AMERICA MORTGAGE LLC $155,000 $255,000 64.5% 0.0%
A&D Mortgage LLC $215,000 $245,000 14.0% 0.0%
Midcoast Federal Credit Union $235,000 n/a 0.0%
RBC Bank, (Georgia) $235,000 n/a 0.0%
SUN WEST MORTGAGE COMPANY, INC. $400,000 $225,000 -43.8% 0.0%
MORTGAGE SOLUTIONS OF COLORADO, LLC $215,000 n/a 0.0%
ZILLOW HOME LOANS, LLC $215,000 n/a 0.0%
Service Federal Credit Union $455,000 $210,000 -53.8% 0.0%
Ally Bank $1,850,000 $205,000 -88.9% 0.0%
BAY EQUITY LLC $205,000 n/a 0.0%
Arbor Bank $195,000 n/a 0.0%
EMM LOANS LLC $640,000 $195,000 -69.5% 0.0%
Independent Bank $195,000 n/a 0.0%
Rockland Trust Company $205,000 $195,000 -4.9% 0.0%
Wyndham Capital Mortgage, Inc. $965,000 $195,000 -79.8% 0.0%
Lakeview Community Capital, LLC $175,000 n/a 0.0%
RUOFF MORTGAGE COMPANY, INC. $435,000 $165,000 -62.1% 0.0%
Kennebunk Savings Bank $155,000 n/a 0.0%
MAINE HIGHLANDS FEDERAL CREDIT UNION $215,000 $155,000 -27.9% 0.0%
PEOPLESCHOICE CREDIT UNION $370,000 $155,000 -58.1% 0.0%
The Huntington National Bank $480,000 $155,000 -67.7% 0.0%
EVERGREEN $35,000 $145,000 314.3% 0.0%
First Home Bank $665,000 $145,000 -78.2% 0.0%
LIMA ONE CAPITAL, LLC $145,000 n/a 0.0%
PNC Bank $970,000 $145,000 -85.1% 0.0%
QUORUM FEDERAL CREDIT UNION $135,000 n/a 0.0%
HANSCOM $180,000 $130,000 -27.8% 0.0%
SPRING EQ, LLC $130,000 n/a 0.0%
Arvest Bank $165,000 $125,000 -24.2% 0.0%
Bank of England $135,000 $125,000 -7.4% 0.0%
LONGBRIDGE FINANCIAL, LLC $165,000 $125,000 -24.2% 0.0%
TRIAD FINANCIAL SERVICES, INC. $115,000 n/a 0.0%
AFFINITY $105,000 n/a 0.0%
ANDREWS FEDERAL CREDIT UNION $105,000 n/a 0.0%
First Guaranty Mortgage Corporation $1,960,000 $105,000 -94.6% 0.0%
PHH Mortgage Corporation $540,000 $105,000 -80.6% 0.0%
VELOCITY COMMERCIAL CAPITAL, LLC $95,000 n/a 0.0%
Nations Lending Corporation $1,015,000 $85,000 -91.6% 0.0%
RESIDENTIAL BANCORP. $290,000 $75,000 -74.1% 0.0%
CASCO $55,000 n/a 0.0%
Home Loan Investment Bank, F.S.B. $15,000 n/a 0.0%

Augusta - Waterville's top lender by overall market share is Kennebec Savings Bank, with 22.6% market share. In second place, with 7.1%, is Bangor Savings Bank, having originated $50,095,000 in loans. In third place, with 5.7%, is GUILD MORTGAGE COMPANY, having originated $39,815,000 in loans. In fourth place, with 5.6%, is QUICKEN LOANS, LLC, having originated $39,455,000 in loans. In fifth place, with 4.7%, is The Camden National Bank, having originated $33,020,000 in loans.


Augusta - Waterville Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - Augusta - Waterville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $179,450 (9.8%) $239,658 (15.1%) 0.00 554
2018-02-01 $179,900 (7.9%) $246,339 (17.5%) 0.00 520
2018-03-01 $194,900 (13.5%) $254,778 (19.8%) 0.00 503
2018-04-01 $204,975 (13.9%) $256,095 (14.8%) 0.00 512
2018-05-01 $215,950 (14.0%) $259,893 (10.1%) 0.00 593
2018-06-01 $219,000 (12.7%) $264,993 (10.4%) 0.00 698
2018-07-01 $215,000 (10.3%) $265,841 (10.3%) 0.00 740
2018-08-01 $217,100 (14.5%) $264,905 (12.9%) 0.00 755
2018-09-01 $214,998 (13.8%) $262,348 (12.4%) 0.00 763
2018-10-01 $213,975 (12.8%) $261,808 (10.8%) 0.00 729
2018-11-01 $214,425 (13.2%) $263,882 (11.9%) 0.00 660
2018-12-01 $200,000 (8.1%) $258,452 (9.6%) 0.00 579
2019-01-01 $206,000 (14.8%) $253,859 (5.9%) 0.00 522
2019-02-01 $209,410 (16.4%) $256,077 (4.0%) 0.00 475
2019-03-01 $213,922 (9.8%) $263,780 (3.5%) 0.00 447
2019-04-01 $222,500 (8.6%) $273,169 (6.7%) 0.00 431
2019-05-01 $233,500 (8.1%) $276,772 (6.5%) 0.00 507
2019-06-01 $235,000 (7.3%) $279,831 (5.6%) 0.00 576
2019-07-01 $239,675 (11.5%) $285,027 (7.2%) 0.00 614
2019-08-01 $234,132 (7.9%) $283,902 (7.2%) 0.00 599
2019-09-01 $226,155 (5.2%) $282,967 (7.9%) 0.00 582
2019-10-01 $220,861 (3.2%) $282,661 (8.0%) 0.00 565
2019-11-01 $219,000 (2.1%) $278,155 (5.4%) 0.00 530
2019-12-01 $213,450 (6.7%) $273,642 (5.9%) 0.00 434
2020-01-01 $212,000 (2.9%) $273,577 (7.8%) 0.00 382
2020-02-01 $212,000 (1.2%) $274,066 (7.0%) 0.00 347
2020-03-01 $244,950 (14.5%) $302,345 (14.6%) 0.00 326
2020-04-01 $244,975 (10.1%) $291,700 (6.8%) 0.00 330
2020-05-01 $239,900 (2.7%) $285,167 (3.0%) 0.00 317
2020-06-01 $254,950 (8.5%) $300,166 (7.3%) 0.00 314
2020-07-01 $275,000 (14.7%) $324,882 (14.0%) 0.00 314
2020-08-01 $269,750 (15.2%) $333,365 (17.4%) 0.00 276
2020-09-01 $273,950 (21.1%) $342,807 (21.2%) 0.00 264
2020-10-01 $268,500 (21.6%) $356,256 (26.0%) 0.00 275
2020-11-01 $295,000 (34.7%) $365,457 (31.4%) 0.00 256
2020-12-01 $311,250 (45.8%) $379,004 (38.5%) 0.00 217
2021-01-01 $319,900 (50.9%) $389,834 (42.5%) 0.00 174
2021-02-01 $304,950 (43.8%) $396,506 (44.7%) 0.00 143
2021-03-01 $310,000 (26.6%) $380,113 (25.7%) 0.00 126
2021-04-01 $285,972 (16.7%) $396,737 (36.0%) 0.00 128
2021-05-01 $319,950 (33.4%) $392,457 (37.6%) 0.00 148
2021-06-01 $320,000 (25.5%) $381,601 (27.1%) 0.00 204
2021-07-01 $295,000 (7.3%) $360,006 (10.8%) 0.00 253
2021-08-01 $295,000 (9.4%) $367,449 (10.2%) 0.00 279
2021-09-01 $284,450 (3.8%) $367,284 (7.1%) 0.00 274
2021-10-01 $279,450 (4.1%) $367,501 (3.2%) 0.00 239
2021-11-01 $287,000 (-2.7%) $393,810 (7.8%) 0.00 185
2021-12-01 $292,000 (-6.2%) $388,344 (2.5%) 0.00 166
2022-01-01 $299,000 (-6.5%) $407,748 (4.6%) 0.00 113
2022-02-01 $315,000 (3.3%) $408,056 (2.9%) 0.00 89
2022-03-01 $330,000 (6.5%) $444,928 (17.1%) 0.00 94
2022-04-01 $320,000 (11.9%) $448,191 (13.0%) 0.00 100
2022-05-01 $318,725 (-0.4%) $441,762 (12.6%) 0.00 123
2022-06-01 $328,725 (2.7%) $443,603 (16.3%) 0.00 178
2022-07-01 $349,000 (18.3%) $452,611 (25.7%) 0.00 251
2022-08-01 $349,000 (18.3%) $452,748 (23.2%) 0.00 248
2022-09-01 $344,000 (20.9%) $431,094 (17.4%) 0.00 239
2022-10-01 $347,000 (24.2%) $434,065 (18.1%) 0.00 249
2022-11-01 $339,000 (18.1%) $434,793 (10.4%) 0.00 242
2022-12-01 $340,000 (16.4%) $439,965 (13.3%) 0.00 210
2023-01-01 $320,000 (7.0%) $413,728 (1.5%) 0.00 162
2023-02-01 $339,725 (7.9%) $417,754 (2.4%) 0.00 126
Augusta - Waterville's median listing price for 2023-02-01 was $339,725, a difference of $24,725 (7.9%) versus the prior year and $19,725 versus the prior month.

Augusta - Waterville's median listing price comes in at 0% of the national average.

Augusta - Waterville's average listing price for 2023-02-01 was $417,754, a difference of $9,698 (2.4%) versus the prior year and $4,026 versus the prior month.

For the 2023-02-01 period, Augusta - Waterville had 126 MLS listings, a difference of -36 listings (-22%) versus the prior month and 37 listings (42%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Augusta - Waterville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,678 sqft
2018-02-01 0 days 1,683 sqft
2018-03-01 0 days 1,704 sqft
2018-04-01 0 days 1,733 sqft
2018-05-01 0 days 1,734 sqft
2018-06-01 0 days 1,750 sqft
2018-07-01 0 days 1,793 sqft
2018-08-01 0 days 1,791 sqft
2018-09-01 0 days 1,800 sqft
2018-10-01 0 days 1,800 sqft
2018-11-01 0 days 1,800 sqft
2018-12-01 0 days 1,787 sqft
2019-01-01 0 days 1,794 sqft
2019-02-01 0 days 1,809 sqft
2019-03-01 0 days 1,800 sqft
2019-04-01 0 days 1,800 sqft
2019-05-01 0 days 1,800 sqft
2019-06-01 0 days 1,785 sqft
2019-07-01 0 days 1,795 sqft
2019-08-01 0 days 1,785 sqft
2019-09-01 0 days 1,773 sqft
2019-10-01 0 days 1,764 sqft
2019-11-01 0 days 1,786 sqft
2019-12-01 0 days 1,759 sqft
2020-01-01 0 days 1,735 sqft
2020-02-01 0 days 1,742 sqft
2020-03-01 0 days 1,797 sqft
2020-04-01 0 days 1,752 sqft
2020-05-01 0 days 1,680 sqft
2020-06-01 0 days 1,723 sqft
2020-07-01 0 days 1,800 sqft
2020-08-01 0 days 1,860 sqft
2020-09-01 0 days 1,850 sqft
2020-10-01 0 days 1,860 sqft
2020-11-01 0 days 1,853 sqft
2020-12-01 0 days 1,812 sqft
2021-01-01 0 days 1,786 sqft
2021-02-01 0 days 1,768 sqft
2021-03-01 0 days 1,786 sqft
2021-04-01 0 days 1,717 sqft
2021-05-01 0 days 1,657 sqft
2021-06-01 0 days 1,672 sqft
2021-07-01 0 days 1,600 sqft
2021-08-01 0 days 1,632 sqft
2021-09-01 0 days 1,597 sqft
2021-10-01 0 days 1,565 sqft
2021-11-01 0 days 1,563 sqft
2021-12-01 0 days 1,599 sqft
2022-01-01 0 days 1,594 sqft
2022-02-01 0 days 1,645 sqft
2022-03-01 0 days 1,653 sqft
2022-04-01 0 days 1,676 sqft
2022-05-01 0 days 1,696 sqft
2022-06-01 0 days 1,741 sqft
2022-07-01 0 days 1,764 sqft
2022-08-01 0 days 1,781 sqft
2022-09-01 0 days 1,755 sqft
2022-10-01 0 days 1,759 sqft
2022-11-01 0 days 1,727 sqft
2022-12-01 0 days 1,718 sqft
2023-01-01 0 days 1,704 sqft
2023-02-01 0 days 1,735 sqft
Augusta - Waterville's median listing age (time on market) for 2023-02-01 was 0 days.

Augusta - Waterville's median square footage for active listings during the 2023-02-01 period was 1,735 sqft. One year prior, the average listing was 1,645 sqft.

Augusta-Waterville, ME Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,782 $455,890,000 $255,831
Cash Out Refi 753 $134,995,000 $179,276
Home Improvement 456 $36,420,000 $79,868
Refi 303 $51,355,000 $169,488
Other 255 $25,735,000 $100,922

Augusta - Waterville's most frequently cited loan purpose was Home Purchase, with 1,782 originations. The 2nd most popular reason was Cash Out Refi, with 753 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
5-6% 917 $184,195,000 $200,867
3-4% 877 $170,215,000 $194,088
4-5% 763 $170,775,000 $223,820
6-7% 428 $78,040,000 $182,336
2.5-3% 241 $46,715,000 $193,838
7-8% 87 $15,565,000 $178,908
<2.5% 49 $8,645,000 $176,429
Over 8% 37 $2,585,000 $69,865

During 2022, Augusta - Waterville's most frequently originated rate bucket was 5-6%, with 917 originations.

Loan Sizing (Augusta-Waterville, ME MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 1,254 $335,580,000 $267,608
$100k-200k 1,238 $185,340,000 $149,709
$100,000 or less 850 $47,240,000 $55,576
$400k-600k 158 $73,890,000 $467,658
$600k-1000k 36 $26,090,000 $724,722
$Over $1MM 13 $36,255,000 $2,788,846

Augusta - Waterville's loan sizing saw the bucket of loans from $200k-400k with 1,254 originations, totaling $335,580,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,222 $325,410,000 $266,293
60-80% 980 $222,580,000 $227,122
20-40% 392 $38,450,000 $98,087
40-60% 392 $63,500,000 $161,990
Under 20% 364 $15,390,000 $42,280
Over 100% 29 $9,055,000 $312,241

Augusta - Waterville's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,222 originations, totaling $325,410,000 in origination value.