# The Camden National Bank

> **Canonical URL:** https://saferate.com/lenders/the-camden-national-bank


> **📋 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


The Camden National Bank is a bank, headquartered in Camden, ME, serving borrowers across 12 states, with 745 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 23% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 31% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300VMVKSQE1B7DD43
- **Headquarters:** Camden, ME
- **Geographic Reach:** Multi-Region
- **States Served:** 12
- **State List:** DE, FL, MA, MD, ME, NC, NH, NJ, RI, SC, VA, VT
- **Markets (MSAs):** 7
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 77/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 69/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.094%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $992
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 745
- **Dollar Volume:** $332 million
- **Applications Received:** 1,023
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $445,591
- **Average Borrower Income:** $233,393
- **Average Property Value:** $655,591

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (71%)
- ⭐ **VA Gold Superstar** (78%)
- ⭐ **Jumbo Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 70/100 | 584 | +0.145% | $1,030 | Strong 😀 |
| FHA | 63/100 | 49 | -0.166% | $1,046 | Strong 😀 |
| VA | 64/100 | 26 | -0.823% | $832 | Strong 😀 |
| Jumbo | 80/100 | 74 | +0.286% | $648 | Strong 😀 |
| USDA | 73/100 | 12 | -0.507% | $1,044 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 505 loans, Score: 70/100 (Strong)
- Refinance: 79 loans, Score: 62/100 (Strong)

**FHA:**
- Purchase: 45 loans, Score: 63/100 (Strong)

**VA:**
- Purchase: 21 loans, Score: 63/100 (Strong)

**Jumbo:**
- Purchase: 64 loans, Score: 80/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 71/100 | 647 | $294M | +0.103% | Strong 😀 |
| Refinance | 64/100 | 98 | $38M | +0.039% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| ME | 647 | 4.22% | 94/100 |
| MA | 44 | 0.07% | 55/100 |
| NH | 19 | 0.12% | 49/100 |
| VT | 13 | 0.22% | 45/100 |
| FL | 12 | 0.00% | 35/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Portland | ME | 304 | 95/100 |
| Non |  | 291 | 69/100 |
| Bangor, ME | ME | 49 | 72/100 |
| Lewiston | ME | 25 | 62/100 |
| Boston, MA | MA | 20 | 49/100 |
| Cambridge | MA | 15 | 45/100 |
| Rockingham County | NH | 13 | 46/100 |

## Where This Lender Ranks

The Camden National Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Maine for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/maine/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Portland for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Maine
  - [View Full Rankings](https://saferate.com/maine/best-mortgage-lenders)
- 🥈 **#2** in Maine Banks
  - [View Full Rankings](https://saferate.com/maine/best-mortgage-lenders/banks)
- 🥈 **#2** in Maine for Conventional Loans
  - [View Full Rankings](https://saferate.com/maine/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Maine for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/maine/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Maine for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/maine/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Maine for VA Loans
  - [View Full Rankings](https://saferate.com/maine/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Maine for Jumbo Loans
  - [View Full Rankings](https://saferate.com/maine/best-mortgage-lenders/jumbo-loans)
- 🥈 **#2** in Maine for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/maine/best-mortgage-lenders/banks/jumbo-loans)
- 🥈 **#2** in Portland Banks
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/banks)
- 🥈 **#2** in Portland for Conventional Loans
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Portland for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Portland for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Portland for VA Loans
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Portland for Jumbo Loans
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/jumbo-loans)
- 🥈 **#2** in Portland for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/banks/jumbo-loans)
- 🥈 **#2** in Bangor, ME Banks
  - [View Full Rankings](https://saferate.com/bangor-me/best-mortgage-lenders/banks)
- 🥈 **#2** in Bangor, ME for Conventional Loans
  - [View Full Rankings](https://saferate.com/bangor-me/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Bangor, ME for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/bangor-me/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does The Camden National Bank offer?

The Camden National Bank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does The Camden National Bank offer mortgages?

The Camden National Bank offers mortgages in 12 states: DE, FL, MA, MD, ME, NC, NH, NJ, RI, SC, VA, VT.

### How competitive are The Camden National Bank's mortgage rates?

The Camden National Bank has a pricing score of 77/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.094% above market average.

### What type of lender is The Camden National Bank?

The Camden National Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Camden, ME.

### What is The Camden National Bank's loan approval success rate?

The Camden National Bank has a pull-through score of 69/100 (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/the-camden-national-bank

### How to Cite

> "The Camden National Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/the-camden-national-bank

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