Augusta - Waterville Mortgage Rates
30 Year Fixed Rate mortgages in Augusta - Waterville averaged
5.61%
for the week of 2022-06-30, compared to the national average of
5.7% for the same period.
The average rate for the prior week (2022-06-23) was
6.12% and
one month ago for the week of 2022-05-26, the
average rate was 5.31%.
Augusta - Waterville's average rate one year ago was 3.31%.
For refis of the same type during the week of 2022-06-30, the average rate
was 5.85%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2022-06-30 | 5.7% |
| Augusta - Waterville 30 Year Fixed Rate | 2022-06-30 | 5.61% |
| Augusta - Waterville 30 Year Fixed Rate Refi | 2022-06-30 | 5.85% |
| Augusta - Waterville 15 Year Fixed Rate | 2022-06-30 | 5.14% |
| Augusta - Waterville 15 Year Fixed Rate Refi | 2022-06-30 | 5.18% |
| Augusta - Waterville 30 Year FHA | 2022-06-30 | 5.77% |
| Augusta - Waterville 30 Year FHA Refi | 2022-06-30 | 5.59% |
| Augusta - Waterville 30 Year USDA | 2022-06-30 | 5.72% |
| Augusta - Waterville 30 Year USDA Refi | 2022-06-30 | 5.55% |
| Augusta - Waterville 30 Year VA | 2022-06-30 | 5.77% |
| Augusta - Waterville 30 Year VA Refi | 2022-06-30 | 5.15% |
Augusta - Waterville Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lendor, 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.).
Augusta-Waterville, ME's 135 lenders originated 5,130
loans during 2021. The total origination value was $975,530,000, with an average loan value of
$190,162.
The top Augusta - Waterville lender as defined by loan originations is QUICKEN LOANS, LLC, with
166 loans originated. Their average total fees are
$5,103, which is $1,271
higher than the next largest lender,
RESIDENTIAL MORTGAGE SERVICES, INC..
The lowest fee Augusta - Waterville lenders (with over 10 loans originated) are
Kennebec Savings Bank ($755), KeyBank ($2,130), BETTER MORTGAGE CORPORATION ($2,658), TD Bank ($2,730) and FIVE COUNTY ($3,065).
The lowest rate Augusta - Waterville lenders (with over 10 loans originated) are
Bank of America (2.81%), CUSO MORTGAGE CORPORATION (2.95%), Mortgage Network, Inc. (2.95%), AMERISAVE MORTGAGE CORPORATION (2.97%) and Citizens Bank (3.01%).
Augusta-Waterville, ME Lender 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 | 2020 Loan Value | 2021 Loan Value | % Change | 2021 Market Share |
|---|---|---|---|---|
| Kennebec Savings Bank | $170,885,000 | $191,890,000 | 12.3% | 19.7% |
| QUICKEN LOANS, LLC | $54,670,000 | $73,425,000 | 34.3% | 7.5% |
| RESIDENTIAL MORTGAGE SERVICES, INC. | $65,085,000 | $71,405,000 | 9.7% | 7.3% |
| The Camden National Bank | $49,695,000 | $55,885,000 | 12.5% | 5.7% |
| Bangor Savings Bank | $48,355,000 | $52,115,000 | 7.8% | 5.3% |
| UNITED WHOLESALE MORTGAGE, LLC | $18,420,000 | $32,370,000 | 75.7% | 3.3% |
| CMG MORTGAGE, INC. | $27,460,000 | $25,960,000 | -5.5% | 2.7% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $12,065,000 | $21,425,000 | 77.6% | 2.2% |
| FREEDOM MORTGAGE CORPORATION | $23,540,000 | $20,685,000 | -12.1% | 2.1% |
| KeyBank | $16,225,000 | $18,630,000 | 14.8% | 1.9% |
| Mortgage Research Center, LLC | $11,985,000 | $18,265,000 | 52.4% | 1.9% |
| Skowhegan Savings Bank | $16,355,000 | $16,865,000 | 3.1% | 1.7% |
| LOANDEPOT.COM, LLC | $6,850,000 | $12,945,000 | 89.0% | 1.3% |
| CUSO MORTGAGE CORPORATION | $22,075,000 | $11,710,000 | -47.0% | 1.2% |
| AMERISAVE MORTGAGE CORPORATION | $3,000,000 | $11,300,000 | 276.7% | 1.2% |
| Wells Fargo Bank | $5,265,000 | $10,785,000 | 104.8% | 1.1% |
| Androscoggin Savings Bank | $5,545,000 | $10,030,000 | 80.9% | 1.0% |
| TD Bank | $11,350,000 | $9,875,000 | -13.0% | 1.0% |
| DAS Acquisition Company, LLC | $8,775,000 | $9,400,000 | 7.1% | 1.0% |
| PENNYMAC LOAN SERVICES, LLC | $3,100,000 | $9,250,000 | 198.4% | 0.9% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $9,175,000 | n/a | 0.9% | |
| NORTHPOINT MORTGAGE, INC. | $6,320,000 | $9,005,000 | 42.5% | 0.9% |
| CPORT | $2,885,000 | $8,975,000 | 211.1% | 0.9% |
| HARBORONE MORTGAGE, LLC | $5,920,000 | $8,325,000 | 40.6% | 0.9% |
| NEWREZ LLC | $3,880,000 | $8,100,000 | 108.8% | 0.8% |
| Bar Harbor Bank & Trust | $5,615,000 | $7,750,000 | 38.0% | 0.8% |
| NAVY FEDERAL CREDIT UNION | $5,450,000 | $7,620,000 | 39.8% | 0.8% |
| Mr. Cooper ( Nationstar Mortgage ) | $8,550,000 | $7,545,000 | -11.8% | 0.8% |
| CALIBER HOME LOANS, INC. | $5,015,000 | $6,850,000 | 36.6% | 0.7% |
| BETTER MORTGAGE CORPORATION | $3,000,000 | $6,670,000 | 122.3% | 0.7% |
| EMBRACE HOME LOANS, INC. | $6,030,000 | $6,550,000 | 8.6% | 0.7% |
| Citizens Bank | $3,395,000 | $6,085,000 | 79.2% | 0.6% |
| TOTAL MORTGAGE SERVICES, LLC | $2,625,000 | $5,960,000 | 127.0% | 0.6% |
| First National Bank | $2,880,000 | $5,910,000 | 105.2% | 0.6% |
| Bank of America | $2,600,000 | $5,620,000 | 116.2% | 0.6% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $3,445,000 | $5,475,000 | 58.9% | 0.6% |
| Mortgage Network, Inc. | $5,655,000 | $5,340,000 | -5.6% | 0.5% |
| LEADERONE FINANCIAL CORPORATION | $5,300,000 | $5,275,000 | -0.5% | 0.5% |
| ACADEMY MORTGAGE CORPORATION | $3,925,000 | $4,850,000 | 23.6% | 0.5% |
| LAKEVIEW LOAN SERVICING, LLC | $2,840,000 | $4,630,000 | 63.0% | 0.5% |
| Machias Savings Bank | $9,575,000 | $4,570,000 | -52.3% | 0.5% |
| NORWICH COMMERCIAL GROUP, INC. | $4,220,000 | $4,300,000 | 1.9% | 0.4% |
| USAA Federal Savings Bank | $6,570,000 | $4,195,000 | -36.1% | 0.4% |
| GUILD MORTGAGE COMPANY | $4,030,000 | n/a | 0.4% | |
| CROSSCOUNTRY MORTGAGE, LLC | $2,290,000 | $3,980,000 | 73.8% | 0.4% |
| MOVEMENT MORTGAGE, LLC | $3,880,000 | $3,820,000 | -1.5% | 0.4% |
| T2 FINANCIAL LLC | $3,640,000 | n/a | 0.4% | |
| ATLANTIC REGIONAL FEDERAL CREDIT UNION | $4,965,000 | $3,565,000 | -28.2% | 0.4% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $3,685,000 | $3,380,000 | -8.3% | 0.3% |
| COREVEST AMERICAN FINANCE LENDER LLC | $3,305,000 | n/a | 0.3% | |
| BROKER SOLUTIONS, INC. | $575,000 | $3,090,000 | 437.4% | 0.3% |
| JPMorgan Chase Bank | $3,995,000 | $3,025,000 | -24.3% | 0.3% |
| GUARANTEED RATE, INC. | $1,480,000 | $2,985,000 | 101.7% | 0.3% |
| FIVE COUNTY | $2,175,000 | $2,845,000 | 30.8% | 0.3% |
| NEW DAY FINANCIAL, LLC | $1,790,000 | $2,800,000 | 56.4% | 0.3% |
| Norway Savings Bank | $1,840,000 | $2,800,000 | 52.2% | 0.3% |
| Bank of New Hampshire | $5,505,000 | $2,725,000 | -50.5% | 0.3% |
| Maine Community Bank | $5,695,000 | $2,700,000 | -52.6% | 0.3% |
| Dirigo Federal Credit Union | $2,290,000 | $2,615,000 | 14.2% | 0.3% |
| AMERICAN FINANCING CORPORATION | $1,000,000 | $2,320,000 | 132.0% | 0.2% |
| Servion, Inc. | $1,875,000 | $2,315,000 | 23.5% | 0.2% |
| Katahdin Trust Company | $815,000 | $2,195,000 | 169.3% | 0.2% |
| The Federal Savings Bank | $1,865,000 | $2,185,000 | 17.2% | 0.2% |
| Quontic Bank | $635,000 | $2,020,000 | 218.1% | 0.2% |
| University Credit Union | $4,270,000 | $2,020,000 | -52.7% | 0.2% |
| First Guaranty Mortgage Corporation | $385,000 | $1,960,000 | 409.1% | 0.2% |
| TRADEMARK | $735,000 | $1,955,000 | 166.0% | 0.2% |
| Ally Bank | $600,000 | $1,850,000 | 208.3% | 0.2% |
| Carrington Mortgage Services, LLC | $1,895,000 | $1,740,000 | -8.2% | 0.2% |
| Maine Savings Federal Credit Union | $4,840,000 | $1,740,000 | -64.0% | 0.2% |
| RELIANCE FIRST CAPITAL, LLC | $1,275,000 | $1,680,000 | 31.8% | 0.2% |
| MEGASTAR FINANCIAL CORP. | $1,395,000 | $1,600,000 | 14.7% | 0.2% |
| Bath Savings Institution | $1,130,000 | $1,515,000 | 34.1% | 0.2% |
| HOME POINT FINANCIAL CORPORATION | $1,105,000 | $1,470,000 | 33.0% | 0.2% |
| U.S. Bank | $1,300,000 | $1,350,000 | 3.8% | 0.1% |
| INTEGRITY MORTGAGE LLC | $2,240,000 | $1,345,000 | -40.0% | 0.1% |
| Auburn Savings Bank, FSB | $2,165,000 | $1,305,000 | -39.7% | 0.1% |
| MAINE FAMILY | $1,145,000 | $1,305,000 | 14.0% | 0.1% |
| SOFI LENDING CORP. | $1,290,000 | n/a | 0.1% | |
| VILLAGE CAPITAL & INVESTMENT LLC | $2,695,000 | $1,255,000 | -53.4% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $2,465,000 | $1,240,000 | -49.7% | 0.1% |
| Low VA Rates, LLC | $700,000 | $1,235,000 | 76.4% | 0.1% |
| First Republic Bank | $1,165,000 | n/a | 0.1% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,085,000 | $1,160,000 | 6.9% | 0.1% |
| Nations Lending Corporation | $1,040,000 | $1,015,000 | -2.4% | 0.1% |
| Flagstar Bank, FSB | $615,000 | $1,005,000 | 63.4% | 0.1% |
| Saco Valley Credit Union | $1,000,000 | n/a | 0.1% | |
| PNC Bank | $95,000 | $970,000 | 921.1% | 0.1% |
| Wyndham Capital Mortgage, Inc. | $965,000 | n/a | 0.1% | |
| MICHIGAN MUTUAL, INC. | $955,000 | n/a | 0.1% | |
| Farm Credit East, ACA | $255,000 | $930,000 | 264.7% | 0.1% |
| KELLER MORTGAGE, LLC | $310,000 | $895,000 | 188.7% | 0.1% |
| LISBON COMMUNITY | $640,000 | $890,000 | 39.1% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $930,000 | $885,000 | -4.8% | 0.1% |
| Manufacturers and Traders Trust Company | $135,000 | $875,000 | 548.1% | 0.1% |
| People's United Bank | $105,000 | $790,000 | 652.4% | 0.1% |
| Leader Bank | $1,430,000 | $775,000 | -45.8% | 0.1% |
| First Federal Bank | $590,000 | $770,000 | 30.5% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $135,000 | $765,000 | 466.7% | 0.1% |
| NORTHERN MORTGAGE SERVICES, LLC | $485,000 | $745,000 | 53.6% | 0.1% |
| SEBASTICOOK VALLEY Federal Credit Union | $725,000 | n/a | 0.1% | |
| Citibank | $720,000 | n/a | 0.1% | |
| UBS Bank USA | $705,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL NETWORK, INC. | $225,000 | $690,000 | 206.7% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $680,000 | n/a | 0.1% | |
| Saco & Biddeford Savings Institution | $550,000 | $680,000 | 23.6% | 0.1% |
| First Home Bank | $470,000 | $665,000 | 41.5% | 0.1% |
| Stifel Bank and Trust | $645,000 | n/a | 0.1% | |
| EMM LOANS LLC | $755,000 | $640,000 | -15.2% | 0.1% |
| SIS BANCORP, MHC | $1,090,000 | $640,000 | -41.3% | 0.1% |
| AMERICAN ADVISORS GROUP | $125,000 | $600,000 | 380.0% | 0.1% |
| NBKC BANK | $245,000 | $600,000 | 144.9% | 0.1% |
| AMCAP MORTGAGE, LTD. | $590,000 | n/a | 0.1% | |
| Waterstone Mortgage Corporation | $155,000 | $580,000 | 274.2% | 0.1% |
| Ixonia Bank | $585,000 | $570,000 | -2.6% | 0.1% |
| NEW FED MORTGAGE, CORP. | $285,000 | $545,000 | 91.2% | 0.1% |
| PHH Mortgage Corporation | $895,000 | $540,000 | -39.7% | 0.1% |
| Presidential Bank, FSB | $540,000 | n/a | 0.1% | |
| DIGITAL Federal Credit Union | $400,000 | $520,000 | 30.0% | 0.1% |
| ALLIANT CREDIT UNION | $515,000 | n/a | 0.1% | |
| AmeriHome Mortgage Company, LLC | $385,000 | $515,000 | 33.8% | 0.1% |
| NBH Bank | $495,000 | n/a | 0.1% | |
| ENVOY MORTGAGE, LTD | $490,000 | n/a | 0.1% | |
| The Huntington National Bank | $480,000 | n/a | 0.0% | |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $510,000 | $470,000 | -7.8% | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | $915,000 | $470,000 | -48.6% | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | $290,000 | $460,000 | 58.6% | 0.0% |
| North American Savings Bank, F.S.B. | $970,000 | $460,000 | -52.6% | 0.0% |
| Service Federal Credit Union | $455,000 | n/a | 0.0% | |
| Axos Bank | $335,000 | $435,000 | 29.9% | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | $275,000 | $435,000 | 58.2% | 0.0% |
| RADIUS FINANCIAL GROUP INC. | $400,000 | $430,000 | 7.5% | 0.0% |
| First Savings Bank | $505,000 | $425,000 | -15.8% | 0.0% |
| TRUCHOICE | $390,000 | $405,000 | 3.8% | 0.0% |
| Shamrock Home Loans, Inc. | $400,000 | n/a | 0.0% | |
| SUN WEST MORTGAGE COMPANY, INC. | $685,000 | $400,000 | -41.6% | 0.0% |
| STEARNS LENDING, LLC | $395,000 | n/a | 0.0% | |
| Magnolia Bank | $520,000 | $380,000 | -26.9% | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | $365,000 | $370,000 | 1.4% | 0.0% |
| PEOPLESCHOICE CREDIT UNION | $360,000 | $370,000 | 2.8% | 0.0% |
| Plains Commerce Bank | $625,000 | $370,000 | -40.8% | 0.0% |
| BNC National Bank | $435,000 | $365,000 | -16.1% | 0.0% |
| Marine Bank | $365,000 | n/a | 0.0% | |
| Discover Bank | $145,000 | $355,000 | 144.8% | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $630,000 | $350,000 | -44.4% | 0.0% |
| Cf Bank | $335,000 | $345,000 | 3.0% | 0.0% |
| Truist Bank | $225,000 | $340,000 | 51.1% | 0.0% |
| HOMESTEAD FUNDING CORP. | $335,000 | n/a | 0.0% | |
| Capital Bank | $315,000 | $325,000 | 3.2% | 0.0% |
| First Federal Savings and Loan Association of Bath | $370,000 | $315,000 | -14.9% | 0.0% |
| Equity Prime Mortgage LLC | $310,000 | n/a | 0.0% | |
| CUMBERLAND COUNTY | $445,000 | $305,000 | -31.5% | 0.0% |
| Luxury Mortgage Corp. | $305,000 | n/a | 0.0% | |
| Community First National Bank | $295,000 | n/a | 0.0% | |
| PREMIA MORTGAGE, LLC | $365,000 | $295,000 | -19.2% | 0.0% |
| RESIDENTIAL BANCORP. | $290,000 | n/a | 0.0% | |
| City National Bank | $385,000 | $275,000 | -28.6% | 0.0% |
| EVERETT FINANCIAL, INC. | $265,000 | n/a | 0.0% | |
| LENDUS, LLC | $265,000 | n/a | 0.0% | |
| MORTGAGE ACCESS CORP. | $255,000 | $265,000 | 3.9% | 0.0% |
| NexBank | $265,000 | n/a | 0.0% | |
| Texana Bank | $265,000 | n/a | 0.0% | |
| DATA MORTGAGE, INC. | $255,000 | n/a | 0.0% | |
| NORTHEAST CREDIT UNION | $380,000 | $250,000 | -34.2% | 0.0% |
| Liberty Savings Bank, F.S.B. | $245,000 | n/a | 0.0% | |
| FINANCE OF AMERICA REVERSE LLC | $95,000 | $240,000 | 152.6% | 0.0% |
| NP, Inc. | $205,000 | $235,000 | 14.6% | 0.0% |
| PLAZA HOME MORTGAGE, INC. | $235,000 | n/a | 0.0% | |
| Deere Employees Credit Union | $225,000 | n/a | 0.0% | |
| Paramount Bank | $225,000 | n/a | 0.0% | |
| Paramount Residential Mortgage Group, Inc. | $410,000 | $225,000 | -45.1% | 0.0% |
| Gorham Savings Bank | $75,000 | $220,000 | 193.3% | 0.0% |
| A&D Mortgage LLC | $215,000 | n/a | 0.0% | |
| MAINE HIGHLANDS FEDERAL CREDIT UNION | $185,000 | $215,000 | 16.2% | 0.0% |
| PARKSIDE LENDING, LLC | $215,000 | n/a | 0.0% | |
| BOSTON FIREFIGHTERS | $205,000 | n/a | 0.0% | |
| CENTRAL ONE FEDERAL CREDIT UNION | $205,000 | n/a | 0.0% | |
| Patriot Community Bank | $205,000 | n/a | 0.0% | |
| Rockland Trust Company | $205,000 | n/a | 0.0% | |
| NORTHEAST HOME LOAN, LLC | $645,000 | $195,000 | -69.8% | 0.0% |
| INLAND BANK & TRUST | $185,000 | n/a | 0.0% | |
| Northpointe Bank | $185,000 | n/a | 0.0% | |
| PENTAGON FEDERAL CREDIT UNION | $185,000 | n/a | 0.0% | |
| 21ST MORTGAGE CORPORATION | $245,000 | $180,000 | -26.5% | 0.0% |
| HANSCOM | $85,000 | $180,000 | 111.8% | 0.0% |
| FBC MORTGAGE, LLC | $175,000 | n/a | 0.0% | |
| NORTH COUNTRY | $175,000 | n/a | 0.0% | |
| Northeast Bank | $550,000 | $175,000 | -68.2% | 0.0% |
| STANFORD Federal Credit Union | $175,000 | n/a | 0.0% | |
| THRIVENT Federal Credit Union | $170,000 | n/a | 0.0% | |
| Arvest Bank | $215,000 | $165,000 | -23.3% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $165,000 | n/a | 0.0% | |
| Down East Credit Union | $960,000 | $155,000 | -83.9% | 0.0% |
| Envision Bank | $760,000 | $155,000 | -79.6% | 0.0% |
| FINANCE OF AMERICA MORTGAGE LLC | $155,000 | n/a | 0.0% | |
| LENDINGONE, LLC | $155,000 | n/a | 0.0% | |
| Bank of England | $560,000 | $135,000 | -75.9% | 0.0% |
| Union Bank | $135,000 | n/a | 0.0% | |
| BOKF | $125,000 | n/a | 0.0% | |
| LENDERFI, INC. | $125,000 | n/a | 0.0% | |
| FINANCE OF AMERICA COMMERCIAL LLC | $95,000 | $115,000 | 21.1% | 0.0% |
| SEABOARD FEDERAL CREDIT UNION | $115,000 | n/a | 0.0% | |
| Berkshire Bank | $225,000 | $105,000 | -53.3% | 0.0% |
| Bethpage Federal Credit Union | $55,000 | n/a | 0.0% | |
| Raymond James Bank | $1,850,000 | $55,000 | -97.0% | 0.0% |
| TIAA, FSB | $165,000 | $45,000 | -72.7% | 0.0% |
| EVERGREEN | $740,000 | $35,000 | -95.3% | 0.0% |
Augusta - Waterville's top lender by overall market share is Kennebec Savings Bank, with 19.7% market share. In second place, with 7.5%, is QUICKEN LOANS, LLC, having originated $73,425,000 in loans. In third place, with 7.3%, is RESIDENTIAL MORTGAGE SERVICES, INC., having originated $71,405,000 in loans. In third place, with 5.7%, is The Camden National Bank, having originated $55,885,000 in loans. In third place, with 5.3%, is Bangor Savings Bank, having originated $52,115,000 in loans.
Augusta-Waterville, ME Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 2,126 | $482,380,000 | $226,896 |
| Refi | 1,415 | $242,215,000 | $171,177 |
| Cash Out Refi | 1,264 | $217,330,000 | $171,938 |
| Home Improvement | 185 | $16,725,000 | $90,405 |
| Other | 140 | $16,880,000 | $120,571 |
Augusta - Waterville's most frequently cited loan purpose was Home Purchase, with 2,126 originations. The 2nd most popular reason was Refi, with 1,415 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 1,982 | $390,550,000 | $197,048 |
| 2.5-3% | 1,915 | $366,225,000 | $191,240 |
| <2.5% | 648 | $123,410,000 | $190,448 |
| 4-5% | 290 | $40,110,000 | $138,310 |
| 5-6% | 31 | $4,265,000 | $137,581 |
| 6-7% | 17 | $4,355,000 | $256,176 |
| 7-8% | 5 | $205,000 | $41,000 |
| Over 8% | 4 | $220,000 | $55,000 |
During 2021, Augusta - Waterville's most frequently originated rate bucket was 3-4%, with 1,982 originations.
Loan Sizing (Augusta-Waterville, ME MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 2,368 | $352,440,000 | $148,834 |
| $200k-400k | 1,666 | $441,070,000 | $264,748 |
| $100,000 or less | 873 | $59,705,000 | $68,391 |
| $400k-600k | 187 | $86,915,000 | $464,786 |
| $600k-1000k | 29 | $21,615,000 | $745,345 |
| $Over $1MM | 7 | $13,785,000 | $1,969,286 |
Augusta - Waterville's loan sizing saw the bucket of loans from $100k-200k with 2,368 originations, totaling $352,440,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,828 | $406,820,000 | $222,549 |
| 60-80% | 1,670 | $334,560,000 | $200,335 |
| 40-60% | 732 | $106,500,000 | $145,492 |
| 20-40% | 340 | $34,160,000 | $100,471 |
| Under 20% | 108 | $4,410,000 | $40,833 |
| Over 100% | 48 | $14,090,000 | $293,542 |
Augusta - Waterville's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,828 originations, totaling $406,820,000 in origination value.
Market Conditions (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 | $181,200 (10.5%) | $236,973 (14.1%) | 0.00 | 561 |
| 2018-02-01 | $179,900 (6.9%) | $242,975 (16.0%) | 0.00 | 528 |
| 2018-03-01 | $199,000 (12.7%) | $251,849 (18.6%) | 0.00 | 514 |
| 2018-04-01 | $209,500 (14.2%) | $254,298 (14.3%) | 0.00 | 516 |
| 2018-05-01 | $218,250 (14.9%) | $257,094 (9.4%) | 0.00 | 598 |
| 2018-06-01 | $219,735 (11.6%) | $263,070 (9.7%) | 0.00 | 706 |
| 2018-07-01 | $215,750 (10.7%) | $263,487 (9.8%) | 0.00 | 746 |
| 2018-08-01 | $217,000 (14.3%) | $261,594 (11.8%) | 0.00 | 756 |
| 2018-09-01 | $215,000 (13.8%) | $259,339 (11.5%) | 0.00 | 769 |
| 2018-10-01 | $214,975 (13.3%) | $258,899 (10.5%) | 0.00 | 730 |
| 2018-11-01 | $214,900 (13.4%) | $261,713 (12.0%) | 0.00 | 662 |
| 2018-12-01 | $205,000 (8.5%) | $256,340 (9.5%) | 0.00 | 582 |
| 2019-01-01 | $209,135 (15.4%) | $252,544 (6.6%) | 0.00 | 527 |
| 2019-02-01 | $215,000 (19.5%) | $253,941 (4.5%) | 0.00 | 482 |
| 2019-03-01 | $219,243 (10.2%) | $263,784 (4.7%) | 0.00 | 456 |
| 2019-04-01 | $225,950 (7.9%) | $275,892 (8.5%) | 0.00 | 440 |
| 2019-05-01 | $235,000 (7.7%) | $279,979 (8.9%) | 0.00 | 518 |
| 2019-06-01 | $239,000 (8.8%) | $282,575 (7.4%) | 0.00 | 583 |
| 2019-07-01 | $239,900 (11.2%) | $288,244 (9.4%) | 0.00 | 625 |
| 2019-08-01 | $233,514 (7.6%) | $289,205 (10.6%) | 0.00 | 605 |
| 2019-09-01 | $222,500 (3.5%) | $287,056 (10.7%) | 0.00 | 586 |
| 2019-10-01 | $224,950 (4.6%) | $286,156 (10.5%) | 0.00 | 580 |
| 2019-11-01 | $224,900 (4.7%) | $282,387 (7.9%) | 0.00 | 539 |
| 2019-12-01 | $215,000 (4.9%) | $279,366 (9.0%) | 0.00 | 441 |
| 2020-01-01 | $214,950 (2.8%) | $280,490 (11.1%) | 0.00 | 382 |
| 2020-02-01 | $215,000 (0.0%) | $282,026 (11.1%) | 0.00 | 350 |
| 2020-03-01 | $245,000 (11.8%) | $309,208 (17.2%) | 0.00 | 322 |
| 2020-04-01 | $247,450 (9.5%) | $299,830 (8.7%) | 0.00 | 325 |
| 2020-05-01 | $239,900 (2.1%) | $294,370 (5.1%) | 0.00 | 311 |
| 2020-06-01 | $254,998 (6.7%) | $308,783 (9.3%) | 0.00 | 308 |
| 2020-07-01 | $277,000 (15.5%) | $332,336 (15.3%) | 0.00 | 309 |
| 2020-08-01 | $274,900 (17.7%) | $340,959 (17.9%) | 0.00 | 275 |
| 2020-09-01 | $274,450 (23.4%) | $350,631 (22.2%) | 0.00 | 262 |
| 2020-10-01 | $275,000 (22.3%) | $366,079 (27.9%) | 0.00 | 272 |
| 2020-11-01 | $295,000 (31.2%) | $370,127 (31.1%) | 0.00 | 255 |
| 2020-12-01 | $315,000 (46.5%) | $384,941 (37.8%) | 0.00 | 216 |
| 2021-01-01 | $319,900 (48.8%) | $397,541 (41.7%) | 0.00 | 173 |
| 2021-02-01 | $311,250 (44.8%) | $406,990 (44.3%) | 0.00 | 139 |
| 2021-03-01 | $312,750 (27.7%) | $387,812 (25.4%) | 0.00 | 124 |
| 2021-04-01 | $290,000 (17.2%) | $404,349 (34.9%) | 0.00 | 126 |
| 2021-05-01 | $320,000 (33.4%) | $392,203 (33.2%) | 0.00 | 142 |
| 2021-06-01 | $315,000 (23.5%) | $382,029 (23.7%) | 0.00 | 202 |
| 2021-07-01 | $298,450 (7.7%) | $360,269 (8.4%) | 0.00 | 246 |
| 2021-08-01 | $295,000 (7.3%) | $367,991 (7.9%) | 0.00 | 276 |
| 2021-09-01 | $284,450 (3.6%) | $368,056 (5.0%) | 0.00 | 271 |
| 2021-10-01 | $280,000 (1.8%) | $368,568 (0.7%) | 0.00 | 235 |
| 2021-11-01 | $294,000 (-0.3%) | $397,501 (7.4%) | 0.00 | 183 |
| 2021-12-01 | $302,200 (-4.1%) | $398,198 (3.4%) | 0.00 | 168 |
| 2022-01-01 | $315,000 (-1.5%) | $420,686 (5.8%) | 0.00 | 115 |
| 2022-02-01 | $319,450 (2.6%) | $416,011 (2.2%) | 0.00 | 88 |
| 2022-03-01 | $334,995 (7.1%) | $464,823 (19.9%) | 0.00 | 90 |
| 2022-04-01 | $325,000 (12.1%) | $455,948 (12.8%) | 0.00 | 100 |
| 2022-05-01 | $322,450 (0.8%) | $444,205 (13.3%) | 0.00 | 121 |
| 2022-06-01 | $330,000 (4.8%) | $449,044 (17.5%) | 0.00 | 175 |
Augusta - Waterville's median listing price comes in at 0% of the national average.
Augusta - Waterville's average listing price for 2022-06-01 was $449,044, a difference of $67,015 (17.5%) versus the prior year and $4,839 versus the prior month.
For the 2022-06-01 period, Augusta - Waterville had 175 MLS listings, a difference of 54 listings (45%) versus the prior month and -27 listings (-13%) 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 | 1,670 sqft |
| 2018-02-01 | 0 days | 1,672 sqft |
| 2018-03-01 | 0 days | 1,704 sqft |
| 2018-04-01 | 0 days | 1,734 sqft |
| 2018-05-01 | 0 days | 1,727 sqft |
| 2018-06-01 | 0 days | 1,744 sqft |
| 2018-07-01 | 0 days | 1,792 sqft |
| 2018-08-01 | 0 days | 1,787 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 | 1,782 sqft |
| 2019-01-01 | 0 days | 1,791 sqft |
| 2019-02-01 | 0 days | 1,813 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 | 1,776 sqft |
| 2019-07-01 | 0 days | 1,794 sqft |
| 2019-08-01 | 0 days | 1,768 sqft |
| 2019-09-01 | 0 days | 1,727 sqft |
| 2019-10-01 | 0 days | 1,763 sqft |
| 2019-11-01 | 0 days | 1,772 sqft |
| 2019-12-01 | 0 days | 1,750 sqft |
| 2020-01-01 | 0 days | 1,728 sqft |
| 2020-02-01 | 0 days | 1,728 sqft |
| 2020-03-01 | 0 days | 1,795 sqft |
| 2020-04-01 | 0 days | 1,764 sqft |
| 2020-05-01 | 0 days | 1,700 sqft |
| 2020-06-01 | 0 days | 1,736 sqft |
| 2020-07-01 | 0 days | 1,800 sqft |
| 2020-08-01 | 0 days | 1,872 sqft |
| 2020-09-01 | 0 days | 1,859 sqft |
| 2020-10-01 | 0 days | 1,872 sqft |
| 2020-11-01 | 0 days | 1,848 sqft |
| 2020-12-01 | 0 days | 1,812 sqft |
| 2021-01-01 | 0 days | 1,792 sqft |
| 2021-02-01 | 0 days | 1,785 sqft |
| 2021-03-01 | 0 days | 1,822 sqft |
| 2021-04-01 | 0 days | 1,722 sqft |
| 2021-05-01 | 0 days | 1,677 sqft |
| 2021-06-01 | 0 days | 1,676 sqft |
| 2021-07-01 | 0 days | 1,610 sqft |
| 2021-08-01 | 0 days | 1,631 sqft |
| 2021-09-01 | 0 days | 1,599 sqft |
| 2021-10-01 | 0 days | 1,580 sqft |
| 2021-11-01 | 0 days | 1,581 sqft |
| 2021-12-01 | 0 days | 1,630 sqft |
| 2022-01-01 | 0 days | 1,639 sqft |
| 2022-02-01 | 0 days | 1,655 sqft |
| 2022-03-01 | 0 days | 1,666 sqft |
| 2022-04-01 | 0 days | 1,700 sqft |
| 2022-05-01 | 0 days | 1,694 sqft |
| 2022-06-01 | 0 days | 1,741 sqft |
Augusta - Waterville's median square footage for active listings during the 2022-06-01 period was 1,741 sqft. One year prior, the average listing was 1,676 sqft.
