Augusta - Waterville Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Augusta - Waterville averaged
6.97%
for the week of 2025-07-10, compared to the national average of
6.72% for the same period.
The average rate for the prior week (2025-07-03) was
6.92% and
one month ago for the week of 2025-06-05, the
average rate was 7.1%.
Augusta - Waterville's average rate one year ago was 6.9%.
For refis of the same type during the week of 2025-07-10, the average rate
was 7.11%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-10 | 6.72% |
| Augusta - Waterville 30 Year Fixed Rate | 2025-07-10 | 6.97% |
| Augusta - Waterville 30 Year Fixed Rate Refi | 2025-07-10 | 7.11% |
| Augusta - Waterville 15 Year Fixed Rate | 2025-07-10 | 6.06% |
| Augusta - Waterville 15 Year Fixed Rate Refi | 2025-07-10 | 6.06% |
| Augusta - Waterville 30 Year FHA | 2025-07-10 | 6.19% |
| Augusta - Waterville 30 Year FHA Refi | 2025-07-10 | 6.62% |
| Augusta - Waterville 30 Year USDA | 2025-07-10 | 6.65% |
| Augusta - Waterville 30 Year USDA Refi | 2025-07-10 | 6.55% |
| Augusta - Waterville 30 Year VA | 2025-07-10 | 6.28% |
| Augusta - Waterville 30 Year VA Refi | 2025-07-10 | 6.27% |
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 97 lenders originated 2,948
loans during 2024. The total origination value was $621,000,000, with an average loan value of
$210,651.
Augusta - Waterville's average closing costs are $5,078.
The top Augusta - Waterville lender as defined by loan originations is GUILD MORTGAGE COMPANY, with
115 loans originated. Their average total fees are
$4,815, which is $1,138
higher than the next largest lender,
Bangor Savings Bank.
The lowest fee Augusta - Waterville lenders (with over 10 loans originated) are
Kennebec Savings Bank ($818), TD Bank ($2,633), Bangor Savings Bank ($3,677), The Camden National Bank ($3,896) and CUSO MORTGAGE CORPORATION ($3,973).
The lowest rate Augusta - Waterville lenders (with over 10 loans originated) are
Bangor Savings Bank (6.47%), The Camden National Bank (6.63%), Androscoggin Savings Bank (6.65%), FAIRWAY INDEPENDENT MORTGAGE CORPORATION (6.73%) and MOVEMENT MORTGAGE, LLC (6.87%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| Kennebec Savings Bank | $98,840,000 | $115,730,000 | 17.1% | 18.6% |
| GUILD MORTGAGE COMPANY | $44,510,000 | $59,685,000 | 34.1% | 9.6% |
| Bangor Savings Bank | $41,610,000 | $40,580,000 | -2.5% | 6.5% |
| UNITED WHOLESALE MORTGAGE, LLC | $21,135,000 | $30,560,000 | 44.6% | 4.9% |
| QUICKEN LOANS, LLC | $22,075,000 | $26,720,000 | 21.0% | 4.3% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $17,045,000 | $26,695,000 | 56.6% | 4.3% |
| The Camden National Bank | $25,960,000 | $26,485,000 | 2.0% | 4.3% |
| CMG MORTGAGE, INC. | $22,565,000 | $24,515,000 | 8.6% | 3.9% |
| Mortgage Research Center, LLC | $11,005,000 | $18,510,000 | 68.2% | 3.0% |
| TD Bank | $10,140,000 | $10,090,000 | -0.5% | 1.6% |
| NORTHPOINT MORTGAGE, INC. | $9,230,000 | $8,960,000 | -2.9% | 1.4% |
| T2 FINANCIAL LLC | $5,565,000 | $8,590,000 | 54.4% | 1.4% |
| CUSO MORTGAGE CORPORATION | $2,820,000 | $8,250,000 | 192.6% | 1.3% |
| NAVY FEDERAL CREDIT UNION | $4,215,000 | $6,575,000 | 56.0% | 1.1% |
| CPORT | $3,990,000 | $6,435,000 | 61.3% | 1.0% |
| Androscoggin Savings Bank | $10,350,000 | $6,100,000 | -41.1% | 1.0% |
| CROSSCOUNTRY MORTGAGE, LLC | $770,000 | $5,350,000 | 594.8% | 0.9% |
| FREEDOM MORTGAGE CORPORATION | $675,000 | $5,065,000 | 650.4% | 0.8% |
| First National Bank | $3,010,000 | $4,770,000 | 58.5% | 0.8% |
| PENNYMAC LOAN SERVICES, LLC | $2,670,000 | $4,710,000 | 76.4% | 0.8% |
| Mr. Cooper ( Nationstar Mortgage ) | $3,225,000 | $4,650,000 | 44.2% | 0.7% |
| DAS Acquisition Company, LLC | $3,900,000 | $4,480,000 | 14.9% | 0.7% |
| MOVEMENT MORTGAGE, LLC | $2,910,000 | $4,345,000 | 49.3% | 0.7% |
| Norway Savings Bank | $1,575,000 | $4,225,000 | 168.3% | 0.7% |
| HARBORONE MORTGAGE, LLC | $4,090,000 | $4,185,000 | 2.3% | 0.7% |
| NEWREZ LLC | $3,615,000 | $4,180,000 | 15.6% | 0.7% |
| BROKER SOLUTIONS, INC. | $1,805,000 | $3,935,000 | 118.0% | 0.6% |
| Skowhegan Savings Bank | $8,305,000 | $3,935,000 | -52.6% | 0.6% |
| Maine Savings Federal Credit Union | $1,840,000 | $3,830,000 | 108.2% | 0.6% |
| Service Federal Credit Union | $260,000 | $3,740,000 | 1,338.5% | 0.6% |
| LOANDEPOT.COM, LLC | $3,160,000 | $3,410,000 | 7.9% | 0.5% |
| U.S. Bank | $385,000 | $3,380,000 | 777.9% | 0.5% |
| Machias Savings Bank | $4,595,000 | $3,360,000 | -26.9% | 0.5% |
| LEADERONE FINANCIAL CORPORATION | $1,960,000 | $3,315,000 | 69.1% | 0.5% |
| TOTAL MORTGAGE SERVICES, LLC | $3,790,000 | $3,295,000 | -13.1% | 0.5% |
| GUARANTEED RATE, INC. | $335,000 | $3,135,000 | 835.8% | 0.5% |
| Maine Community Bank | $5,005,000 | $3,000,000 | -40.1% | 0.5% |
| KeyBank | $2,885,000 | $2,800,000 | -2.9% | 0.5% |
| NEW DAY FINANCIAL, LLC | $700,000 | $2,685,000 | 283.6% | 0.4% |
| Bank of America | $2,410,000 | $2,645,000 | 9.8% | 0.4% |
| Bar Harbor Bank & Trust | $645,000 | $2,340,000 | 262.8% | 0.4% |
| ATLANTIC REGIONAL FEDERAL CREDIT UNION | $4,870,000 | $1,990,000 | -59.1% | 0.3% |
| 21ST MORTGAGE CORPORATION | $515,000 | $1,970,000 | 282.5% | 0.3% |
| AMERISAVE MORTGAGE CORPORATION | $1,665,000 | $1,925,000 | 15.6% | 0.3% |
| Auburn Savings Bank, FSB | $370,000 | $1,880,000 | 408.1% | 0.3% |
| Morgan Stanley Private Bank | $735,000 | $1,770,000 | 140.8% | 0.3% |
| Paramount Residential Mortgage Group, Inc. | $1,690,000 | n/a | 0.3% | |
| EMBRACE HOME LOANS, INC. | $945,000 | $1,560,000 | 65.1% | 0.3% |
| USAA Federal Savings Bank | $5,840,000 | $1,515,000 | -74.1% | 0.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $1,790,000 | $1,500,000 | -16.2% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $1,565,000 | $1,440,000 | -8.0% | 0.2% |
| University Credit Union | $1,645,000 | $1,400,000 | -14.9% | 0.2% |
| JPMorgan Chase Bank | $2,740,000 | $1,345,000 | -50.9% | 0.2% |
| Bath Savings Institution | $2,440,000 | $1,195,000 | -51.0% | 0.2% |
| Wells Fargo Bank | $770,000 | $1,195,000 | 55.2% | 0.2% |
| Leader Bank | $1,240,000 | $1,190,000 | -4.0% | 0.2% |
| Ixonia Bank | $1,160,000 | n/a | 0.2% | |
| ZILLOW HOME LOANS, LLC | $1,145,000 | n/a | 0.2% | |
| Discover Bank | $1,540,000 | $1,115,000 | -27.6% | 0.2% |
| PNC Bank | $495,000 | $1,090,000 | 120.2% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $880,000 | $1,055,000 | 19.9% | 0.2% |
| CHURCHILL MORTGAGE CORPORATION | $1,050,000 | n/a | 0.2% | |
| TRADEMARK | $950,000 | $1,040,000 | 9.5% | 0.2% |
| First Federal Bank | $1,010,000 | n/a | 0.2% | |
| The Federal Savings Bank | $540,000 | $1,005,000 | 86.1% | 0.2% |
| FIVE COUNTY | $2,615,000 | $995,000 | -62.0% | 0.2% |
| Citizens Bank | $1,450,000 | $970,000 | -33.1% | 0.2% |
| DEEPHAVEN MORTGAGE LLC | $900,000 | n/a | 0.1% | |
| EMM LOANS LLC | $235,000 | $895,000 | 280.9% | 0.1% |
| EVERGREEN | $700,000 | $830,000 | 18.6% | 0.1% |
| The Huntington National Bank | $785,000 | n/a | 0.1% | |
| Dirigo Federal Credit Union | $805,000 | $745,000 | -7.5% | 0.1% |
| First Federal Savings and Loan Association of Bath | $1,060,000 | $720,000 | -32.1% | 0.1% |
| NBT Bank | $705,000 | n/a | 0.1% | |
| TRUCHOICE | $700,000 | $695,000 | -0.7% | 0.1% |
| Merrimack County Savings Bank | $685,000 | n/a | 0.1% | |
| BMO Harris Bank | $665,000 | n/a | 0.1% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $1,580,000 | $630,000 | -60.1% | 0.1% |
| NORTHEAST CREDIT UNION | $375,000 | $630,000 | 68.0% | 0.1% |
| PHH Mortgage Corporation | $615,000 | n/a | 0.1% | |
| CUMBERLAND COUNTY | $825,000 | $610,000 | -26.1% | 0.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $640,000 | $590,000 | -7.8% | 0.1% |
| Magnolia Bank | $580,000 | n/a | 0.1% | |
| NORTHERN MORTGAGE SERVICES, LLC | $570,000 | n/a | 0.1% | |
| TOWN & COUNTRY FEDERAL CREDIT UNION | $850,000 | $570,000 | -32.9% | 0.1% |
| Coastal Community Bank | $940,000 | $555,000 | -41.0% | 0.1% |
| Century Mortgage Company DBA Century Lending Company | $600,000 | $540,000 | -10.0% | 0.1% |
| Carrington Mortgage Services, LLC | $375,000 | $525,000 | 40.0% | 0.1% |
| Servion, Inc. | $1,015,000 | $525,000 | -48.3% | 0.1% |
| DIGITAL Federal Credit Union | $320,000 | $505,000 | 57.8% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $215,000 | $500,000 | 132.6% | 0.1% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $345,000 | $495,000 | 43.5% | 0.1% |
| MAINE FAMILY | $480,000 | $490,000 | 2.1% | 0.1% |
| LISBON COMMUNITY | $435,000 | $470,000 | 8.0% | 0.1% |
| PLANET HOME LENDING, LLC | $175,000 | $460,000 | 162.9% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $460,000 | n/a | 0.1% | |
| AMERICAN FINANCING CORPORATION | $510,000 | $450,000 | -11.8% | 0.1% |
| MEGASTAR FINANCIAL CORP. | $635,000 | $440,000 | -30.7% | 0.1% |
| North American Savings Bank, F.S.B. | $425,000 | n/a | 0.1% | |
| OCMBC, INC. | $315,000 | $425,000 | 34.9% | 0.1% |
| RELIANCE FIRST CAPITAL, LLC | $375,000 | $425,000 | 13.3% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $420,000 | n/a | 0.1% | |
| SIS BANCORP, MHC | $4,185,000 | $420,000 | -90.0% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $930,000 | $420,000 | -54.8% | 0.1% |
| Figure Lending LLC | $415,000 | n/a | 0.1% | |
| Prosperity Home Mortgage, LLC | $415,000 | n/a | 0.1% | |
| M&T Bank | $750,000 | $400,000 | -46.7% | 0.1% |
| Flagstar Bank, FSB | $1,320,000 | $390,000 | -70.5% | 0.1% |
| NORWICH COMMERCIAL GROUP, INC. | $765,000 | $385,000 | -49.7% | 0.1% |
| NORTHEAST HOME LOAN, LLC | $370,000 | $375,000 | 1.4% | 0.1% |
| SEBASTICOOK VALLEY Federal Credit Union | $705,000 | $370,000 | -47.5% | 0.1% |
| Mascoma Bank | $780,000 | $365,000 | -53.2% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $380,000 | $350,000 | -7.9% | 0.1% |
| Katahdin Trust Company | $1,035,000 | $340,000 | -67.1% | 0.1% |
| CARDINAL FINANCIAL | $215,000 | $315,000 | 46.5% | 0.1% |
| Equity Prime Mortgage LLC | $305,000 | n/a | 0.0% | |
| Northpointe Bank | $480,000 | $305,000 | -36.5% | 0.0% |
| RESIDENTIAL BANCORP | $295,000 | n/a | 0.0% | |
| Cornerstone First Mortgage, Inc | $285,000 | n/a | 0.0% | |
| Keystone Funding, Inc. | $285,000 | n/a | 0.0% | |
| MID AMERICA MORTGAGE, INC. | $285,000 | n/a | 0.0% | |
| Republic State Mortgage Co. | $285,000 | n/a | 0.0% | |
| PEOPLESCHOICE CREDIT UNION | $1,245,000 | $275,000 | -77.9% | 0.0% |
| Raymond James Bank | $275,000 | n/a | 0.0% | |
| First Central State Bank | $265,000 | n/a | 0.0% | |
| First National Bank of America | $265,000 | n/a | 0.0% | |
| Berkshire Bank | $255,000 | n/a | 0.0% | |
| Citibank | $865,000 | $255,000 | -70.5% | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $255,000 | n/a | 0.0% | |
| Waterstone Mortgage Corporation | $255,000 | n/a | 0.0% | |
| USAlliance Federal Credit Union | $250,000 | n/a | 0.0% | |
| Ally Bank | $145,000 | $245,000 | 69.0% | 0.0% |
| SFMC, LP | $235,000 | n/a | 0.0% | |
| FidelityLending Solutions Inc. dba Wholesale Mortgage Bankers | $225,000 | n/a | 0.0% | |
| Hometown Equity Mortgage, LLC | $215,000 | n/a | 0.0% | |
| PLAZA HOME MORTGAGE, INC. | $295,000 | $215,000 | -27.1% | 0.0% |
| STANFORD Federal Credit Union | $215,000 | n/a | 0.0% | |
| HOMEXPRESS MORTGAGE CORP. | $175,000 | $205,000 | 17.1% | 0.0% |
| AmeriHome Mortgage Company, LLC | $195,000 | n/a | 0.0% | |
| NBKC BANK | $235,000 | $195,000 | -17.0% | 0.0% |
| NFM, INC. | $195,000 | n/a | 0.0% | |
| Stifel Bank and Trust | $195,000 | n/a | 0.0% | |
| Logan Finance Corporation | $185,000 | n/a | 0.0% | |
| LONGBRIDGE FINANCIAL, LLC | $95,000 | $180,000 | 89.5% | 0.0% |
| POLARIS HOME FUNDING CORP. | $715,000 | $175,000 | -75.5% | 0.0% |
| Deere Employees Credit Union | $580,000 | $170,000 | -70.7% | 0.0% |
| LOANPAL, LLC | $165,000 | n/a | 0.0% | |
| OAKTREE FUNDING CORP. | $155,000 | n/a | 0.0% | |
| TJC Mortgage, Inc. | $155,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $740,000 | $135,000 | -81.8% | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | $135,000 | n/a | 0.0% | |
| Kennebunk Savings Bank | $125,000 | n/a | 0.0% | |
| MAINE HIGHLANDS FEDERAL CREDIT UNION | $105,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $55,000 | $90,000 | 63.6% | 0.0% |
| Bethpage Federal Credit Union | $155,000 | $85,000 | -45.2% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $85,000 | n/a | 0.0% | |
| HANSCOM | $55,000 | n/a | 0.0% | |
| TOWER | $35,000 | $55,000 | 57.1% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $270,000 | $45,000 | -83.3% | 0.0% |
| Baxter Credit Union | $25,000 | n/a | 0.0% | |
| Coast Line Credit Union | $25,000 | n/a | 0.0% |
Augusta - Waterville's top lender by overall market share is Kennebec Savings Bank, with 18.6% market share. In second place, with 9.6%, is GUILD MORTGAGE COMPANY, having originated $59,685,000 in loans. In third place, with 6.5%, is Bangor Savings Bank, having originated $40,580,000 in loans. In fourth place, with 4.9%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $30,560,000 in loans. In fifth place, with 4.3%, is QUICKEN LOANS, LLC, having originated $26,720,000 in loans.
Augusta-Waterville, ME Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,536 | $417,430,000 | $271,764 |
| Refi | 415 | $86,115,000 | $207,506 |
| Home Improvement | 411 | $33,035,000 | $80,377 |
| Other | 302 | $24,650,000 | $81,623 |
| Cash Out Refi | 284 | $59,770,000 | $210,458 |
Augusta - Waterville's most frequently cited loan purpose was Home Purchase, with 1,536 originations. The 2nd most popular reason was Refi, with 415 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 7-8% | 910 | $197,050,000 | $216,538 |
| 6-7% | 885 | $221,795,000 | $250,616 |
| Over 8% | 519 | $58,305,000 | $112,341 |
| 5-6% | 296 | $79,210,000 | $267,601 |
| 4-5% | 57 | $13,795,000 | $242,018 |
| <2.5% | 6 | $150,000 | $25,000 |
| 3-4% | 6 | $1,510,000 | $251,667 |
| 2.5-3% | 2 | $440,000 | $220,000 |
During 2024, Augusta - Waterville's most frequently originated rate bucket was 7-8%, with 910 originations.
Loan Sizing (Augusta-Waterville, ME MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,201 | $336,215,000 | $279,946 |
| $100,000 or less | 800 | $41,790,000 | $52,238 |
| $100k-200k | 706 | $105,240,000 | $149,065 |
| $400k-600k | 180 | $84,000,000 | $466,667 |
| $600k-1000k | 52 | $37,010,000 | $711,731 |
| $Over $1MM | 9 | $16,745,000 | $1,860,556 |
Augusta - Waterville's loan sizing saw the bucket of loans from $200k-400k with 1,201 originations, totaling $336,215,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 983 | $289,275,000 | $294,278 |
| 60-80% | 530 | $140,440,000 | $264,981 |
| Under 20% | 416 | $20,110,000 | $48,341 |
| 20-40% | 385 | $41,945,000 | $108,948 |
| 40-60% | 278 | $54,520,000 | $196,115 |
| Over 100% | 41 | $13,395,000 | $326,707 |
Augusta - Waterville's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 983 originations, totaling $289,275,000 in origination value.