Augusta - Waterville Mortgage Rates

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

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%
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 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.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
QUICKEN LOANS, LLC 166 3.14% $5,103
RESIDENTIAL MORTGAGE SERVICES, INC. 153 3.17% $3,832
The Camden National Bank 135 3.26% $3,183
Bangor Savings Bank 105 3.08% $3,277
Kennebec Savings Bank 87 3.70% $755
UNITED WHOLESALE MORTGAGE, LLC 78 3.11% $4,548
CMG MORTGAGE, INC. 57 3.17% $3,756
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 51 3.27% $3,524
KeyBank 38 3.20% $2,130
AMERISAVE MORTGAGE CORPORATION 30 2.97% $5,389
LOANDEPOT.COM, LLC 30 3.16% $3,939
CUSO MORTGAGE CORPORATION 26 2.95% $4,150
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 24 3.42% $3,691
TD Bank 24 3.05% $2,730
HARBORONE MORTGAGE, LLC 22 3.03% $3,161
NORTHPOINT MORTGAGE, INC. 22 3.14% $4,540
Wells Fargo Bank 22 3.19% $3,334
Bar Harbor Bank & Trust 19 3.43% $3,091
NEWREZ LLC 15 3.07% $3,287
TOTAL MORTGAGE SERVICES, LLC 14 3.35% $5,298
BETTER MORTGAGE CORPORATION 13 3.03% $2,658
EMBRACE HOME LOANS, INC. 13 3.12% $3,603
Citizens Bank 13 3.01% $4,165
Bank of America 12 2.81% $3,600
CALIBER HOME LOANS, INC. 11 3.24% $3,368
DAS Acquisition Company, LLC 11 3.35% $4,102
NORWICH COMMERCIAL GROUP, INC. 11 3.35% $3,959
Mortgage Network, Inc. 11 2.95% $3,885
Mr. Cooper ( Nationstar Mortgage ) 10 3.21% $5,942
FIVE COUNTY 10 3.19% $3,065
JPMorgan Chase Bank 10 3.20% $3,076
NAVY FEDERAL CREDIT UNION 9 3.26% $5,017
ACADEMY MORTGAGE CORPORATION 9 3.31% $3,266
GUARANTEED RATE, INC. 9 3.26% $3,519
BROKER SOLUTIONS, INC. 9 3.17% $4,074
CROSSCOUNTRY MORTGAGE, LLC 8 3.12% $4,701
PENNYMAC LOAN SERVICES, LLC 8 3.30% $5,602
LEADERONE FINANCIAL CORPORATION 8 3.00% $3,190
FREEDOM MORTGAGE CORPORATION 8 3.09% $2,049
MOVEMENT MORTGAGE, LLC 8 3.23% $3,043
T2 FINANCIAL LLC 8 3.53% $4,083
First Guaranty Mortgage Corporation 7 3.34% $3,116
PRIMARY RESIDENTIAL MORTGAGE, INC. 7 3.35% $6,084
AMERICAN FINANCING CORPORATION 7 3.32% $3,374
INTEGRITY MORTGAGE LLC 6 2.98% $3,984
HOMEBRIDGE FINANCIAL SERVICES, INC. 6 3.31% $6,466
Maine Savings Federal Credit Union 6 3.88% $3,041
First National Bank 6 3.38% $3,727
ATLANTIC REGIONAL FEDERAL CREDIT UNION 6 3.04% $3,803
GUILD MORTGAGE COMPANY 6 3.33% $3,552
Wyndham Capital Mortgage, Inc. 5 3.25% $1,884
MICHIGAN MUTUAL, INC. 5 3.05% $4,015
Maine Community Bank 5 3.20% $3,589
Ally Bank 4 2.84% $5,348
Servion, Inc. 4 2.88% $2,919
Bath Savings Institution 4 3.63% $3,474
RELIANCE FIRST CAPITAL, LLC 4 3.03% $7,826
Norway Savings Bank 4 3.16% $3,459
Mortgage Research Center, LLC 3 2.96% $1,114
MAINE FAMILY 3 3.00% $1,476
Quontic Bank 3 5.50% $10,122
MUTUAL OF OMAHA MORTGAGE, INC. 3 3.13% $5,916
PRIMELENDING, A PLAINSCAPITAL COMPANY 3 3.21% $3,644
MEGASTAR FINANCIAL CORP. 3 3.92% $4,031
Machias Savings Bank 2 3.63% $4,397
CHURCHILL MORTGAGE CORPORATION 2 3.19% $4,107
THRIVENT Federal Credit Union 2 2.81% $3,084
Citibank 2 2.69% $3,506
HOME POINT FINANCIAL CORPORATION 2 2.87% $3,688
Manufacturers and Traders Trust Company 2 3.13% $3,434
RUOFF MORTGAGE COMPANY, INC. 2 3.44% $3,033
TRUCHOICE 2 3.56% $0
RESIDENTIAL BANCORP. 2 3.18% $3,980
MORTGAGE EQUITY PARTNERS LLC 2 3.50% $3,931
University Credit Union 2 3.00% $3,271
RADIUS FINANCIAL GROUP INC. 2 3.00% $3,254
Presidential Bank, FSB 2 2.93% $4,825
GUARANTEED RATE AFFINITY, LLC 2 3.38% $4,595
PNC Bank 2 3.31% $3,681
U.S. Bank 2 2.93% $2,799
Flagstar Bank, FSB 2 3.25% $3,305
KELLER MORTGAGE, LLC 2 3.00% $2,633
Farm Credit East, ACA 2 3.55% $3,807
SOFI LENDING CORP. 2 2.63% $4,045
LAKEVIEW LOAN SERVICING, LLC 2 3.13% $6,365
Leader Bank 2 2.56% $3,384
People's United Bank 2 2.94% $3,486
The Huntington National Bank 2 2.94% $3,133
Saco & Biddeford Savings Institution 2 2.88% $3,513
NBKC BANK 1 2.63% $4,248
A&D Mortgage LLC 1 5.25% $5,541
ALLIANT CREDIT UNION 1 3.00% $10,881
AMERICAN INTERNET MORTGAGE, INC. 1 2.88% $2,556
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 3.63% $4,312
Arvest Bank 1 2.88% $2,541
Axos Bank 1 2.75% $963
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 1 3.50% $4,074
Carrington Mortgage Services, LLC 1 3.13% $5,242
CUMBERLAND COUNTY 1 3.38% $3,645
DATA MORTGAGE, INC. 1 2.88% $4,382
DIGITAL Federal Credit Union 1 3.13% $3,509
ENVOY MORTGAGE, LTD 1 2.88% $4,715
First Federal Bank 1 2.88% $3,192
First Home Bank 1 3.00% $3,840
First Republic Bank 1 2.60% $8,433
First Savings Bank 1 2.63% $8,511
HOMESTEAD FUNDING CORP. 1 2.75% $3,830
INLAND BANK & TRUST 1 3.75% $3,349
Ixonia Bank 1 3.63% $9,206
Liberty Savings Bank, F.S.B. 1 3.00% $4,586
Magnolia Bank 1 3.37% $2,809
MAINE HIGHLANDS FEDERAL CREDIT UNION 1 4.88% $5,172
Marine Bank 1 3.00% $2,847
MORTGAGE ACCESS CORP. 1 3.25% $2,957
Nations Lending Corporation 1 2.88% $9,124
21ST MORTGAGE CORPORATION 1 6.50% $4,376
NEW FED MORTGAGE, CORP. 1 2.50% $3,940
NexBank 1 3.25% $3,618
NORTH COUNTRY 1 3.25% $3,110
Northpointe Bank 1 3.13% $3,371
Paramount Residential Mortgage Group, Inc. 1 2.75% $2,643
PARKSIDE LENDING, LLC 1 3.38% $4,929
Patriot Community Bank 1 3.25% $3,425
PHH Mortgage Corporation 1 4.50% $4,314
Plains Commerce Bank 1 3.13% $7,700
PREMIA MORTGAGE, LLC 1 3.63% $875
Rockland Trust Company 1 2.75% $2,504
Saco Valley Credit Union 1 3.75% $2,524
Service Federal Credit Union 1 3.38% $4,089
STEARNS LENDING, LLC 1 3.00% $2,844
Stifel Bank and Trust 1 2.75% $2,316
The Federal Savings Bank 1 5.00% $5,630
UBS Bank USA 1 2.75% $4,542
Union Bank 1 2.88% $2,471
Waterstone Mortgage Corporation 1 3.00% $4,614

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 for 2022-06-01 was $330,000, a difference of $15,000 (4.8%) versus the prior year and $7,550 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 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 listing age (time on market) for 2022-06-01 was 0 days.

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.