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Androscoggin Savings Bank

Bank•Lewiston, MEHQ•Direct•Reviews near you on Google

Androscoggin Savings Bank has 241 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Strong
4/5
Regional · 2 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees
  • Strong pull through performance

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Report Card

Androscoggin Savings Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+12.7 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 3 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Sound
Pricing
Strong
Pull Through
Strong
Volume223
Mix92.5%
Spread
+0.115%Above
Fees
$1,800Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Strong
Volume15
Mix6.2%
Spread
+0.477%Above
Fees
$2,957Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Sound
Pricing
Strong
Pull Through
Strong
Volume224
Mix92.9%
Spread
+0.164%Above
Fees
$1,909Fees
Refinance
Overall
Sound
Product
Acceptable
Pricing—
Pull Through
Strong
Volume17
Mix7.1%
Spread
-0.346%Below
Fees
$1,049Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
241
Applications
299
Volume
$112 million
Pricing & Closing
Avg Rate Spread
+0.127%
vs. market APOR
Avg Net Fees
$1,846
Origination − Credits
Pullthrough Rate
80.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$465,373
Avg Borrower Income
$240,714
Avg Property Value
$641,805

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

2
2 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast2
MENH

Top Metro Areas by Place Specialization Score

1© Seasider53 · CC BY 4.0
Portland, MEMetro
Volume 164Mix 68.05% of portfolio
88/100
Exceptional
2© Quintin Soloviev · CC BY 4.0
Lewiston, MEMetro
Volume 17Mix 7.05% of portfolio
57/100
Sound

Top States by Place Specialization Score

Maine
Maine
1
MaineState
Volume 240Mix 99.59% of portfolio
84/100
Exceptional

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.