Augusta - Waterville Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Augusta - Waterville averaged
7.11%
for the week of 2023-09-21, compared to the national average of
7.19% for the same period.
The average rate for the prior week (2023-09-14) was
7.1% and
one month ago for the week of 2023-08-17, the
average rate was 7.21%.
Augusta - Waterville's average rate one year ago was 6.14%.
For refis of the same type during the week of 2023-09-21, the average rate
was 6.29%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2023-09-21 | 7.19% |
| Augusta - Waterville 30 Year Fixed Rate | 2023-09-21 | 7.11% |
| Augusta - Waterville 30 Year Fixed Rate Refi | 2023-09-21 | 6.29% |
| Augusta - Waterville 15 Year Fixed Rate | 2023-09-21 | 6.34% |
| Augusta - Waterville 15 Year Fixed Rate Refi | 2023-09-21 | 7.14% |
| Augusta - Waterville 30 Year FHA | 2023-09-21 | 6.64% |
| Augusta - Waterville 30 Year FHA Refi | 2023-09-21 | 7.24% |
| Augusta - Waterville 30 Year USDA | 2023-09-21 | 6.1% |
| Augusta - Waterville 30 Year USDA Refi | 2023-09-21 | 7.22% |
| Augusta - Waterville 30 Year VA | 2023-09-21 | 6.67% |
| Augusta - Waterville 30 Year VA Refi | 2023-09-21 | 6.72% |
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.).
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%) | $263,700 (3.5%) | 0.00 | 447 |
| 2019-04-01 | $222,500 (8.6%) | $273,077 (6.6%) | 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 (14.7%) | 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 |
| 2023-03-01 | $375,000 (13.6%) | $466,912 (4.9%) | 0.00 | 117 |
| 2023-04-01 | $389,999 (21.9%) | $498,392 (11.2%) | 0.00 | 122 |
| 2023-05-01 | $410,925 (28.9%) | $524,725 (18.8%) | 0.00 | 131 |
| 2023-06-01 | $418,725 (27.4%) | $547,502 (23.4%) | 0.00 | 152 |
| 2023-07-01 | $399,900 (14.6%) | $530,844 (17.3%) | 0.00 | 196 |
| 2023-08-01 | $402,175 (15.2%) | $521,997 (15.3%) | 0.00 | 223 |
Augusta - Waterville's median listing price comes in at 0% of the national average.
Augusta - Waterville's average listing price for 2023-08-01 was $521,997, a difference of $69,249 (15.3%) versus the prior year and $-8,847 versus the prior month.
For the 2023-08-01 period, Augusta - Waterville had 223 MLS listings, a difference of 27 listings (14%) versus the prior month and -25 listings (-10%) 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 |
| 2023-03-01 | 0 days | 1,755 sqft |
| 2023-04-01 | 0 days | 1,775 sqft |
| 2023-05-01 | 0 days | 1,788 sqft |
| 2023-06-01 | 0 days | 1,828 sqft |
| 2023-07-01 | 0 days | 1,728 sqft |
| 2023-08-01 | 0 days | 1,711 sqft |
Augusta - Waterville's median square footage for active listings during the 2023-08-01 period was 1,711 sqft. One year prior, the average listing was 1,781 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.