# Bath Savings Institution

> **Canonical URL:** https://saferate.com/lenders/bath-savings-institution


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Bath Savings Institution is a bank, headquartered in Bath, ME, with 145 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 34% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 36% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300SVSM8JMOZJXF07
- **Headquarters:** Bath, ME
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** ME
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 66/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 64/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.400%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,232
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 145
- **Dollar Volume:** $60 million
- **Applications Received:** 195
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $415,069
- **Average Borrower Income:** $206,386
- **Average Property Value:** $664,172

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 46/100 | 127 | -0.394% | $1,256 | Sound ☺️ |
| Jumbo | 68/100 | 16 | -0.307% | $1,262 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 119 loans, Score: 48/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 51/100 | 137 | $58M | -0.421% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| ME | 145 | 0.95% | 79/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Portland | ME | 104 | 83/100 |
| Non |  | 27 | 39/100 |
| Lewiston | ME | 12 | 51/100 |

## Where This Lender Ranks

Bath Savings Institution appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Portland Banks
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/banks)
- 🏆 **#4** in Portland for Jumbo Loans
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/jumbo-loans)
- 🏆 **#4** in Portland for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#5** in Maine Banks
  - [View Full Rankings](https://saferate.com/maine/best-mortgage-lenders/banks)
- 🏆 **#5** in Portland
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders)
- 🏆 **#5** in Lewiston for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/lewiston/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#7** in Maine
  - [View Full Rankings](https://saferate.com/maine/best-mortgage-lenders)
- 🏆 **#7** in Maine for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/maine/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#8** in Portland for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#11** in Maine for Jumbo Loans
  - [View Full Rankings](https://saferate.com/maine/best-mortgage-lenders/jumbo-loans)
- 🏆 **#14** in Maine for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/maine/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#17** in Portland for Conventional Loans
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/conventional-loans)
- 🏆 **#20** in Lewiston for Conventional Loans
  - [View Full Rankings](https://saferate.com/lewiston/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Bath Savings Institution offer?

Bath Savings Institution offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Bath Savings Institution offer mortgages?

Bath Savings Institution offers mortgages in 1 states: ME.

### How competitive are Bath Savings Institution's mortgage rates?

Bath Savings Institution has a pricing score of 66/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.400% below market average.

### What type of lender is Bath Savings Institution?

Bath Savings Institution is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Bath, ME.

### What is Bath Savings Institution's loan approval success rate?

Bath Savings Institution has a pull-through score of 64/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/bath-savings-institution

### How to Cite

> "Bath Savings Institution Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/bath-savings-institution

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