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Kennebec Savings Bank

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

Kennebec Savings Bank has 388 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
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
Conventional
Place
Strong
4/5
Single State · 2 mkts

Safe Rate Summary

What They Do Well

  • Strong pull through performance

Explore another lender or local market

Report Card

Kennebec Savings Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+58.2 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Single State · 3 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Sound
Volume382
Mix98.5%
Spread
+0.592%Above
Fees
$60Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Sound
Volume303
Mix78.1%
Spread
+0.595%Above
Fees
$74Fees
Refinance
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume85
Mix21.9%
Spread
+0.542%Above
Fees
$13Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
388
Applications
545
Volume
$109 million
Pricing & Closing
Avg Rate Spread
+0.582%
vs. market APOR
Avg Net Fees
$59
Origination − Credits
Pullthrough Rate
71.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$281,082
Avg Borrower Income
$171,325
Avg Property Value
$403,634

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

1
1 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast1
ME

Top Metro Areas by Place Specialization Score

1© Seasider53 · CC BY 4.0
Portland, MEMetro
Volume 36Mix 9.28% of portfolio
63/100
Strong
2© Quintin Soloviev · CC BY 4.0
Lewiston, MEMetro
Volume 23Mix 5.93% of portfolio
62/100
Strong

Top States by Place Specialization Score

Maine
Maine
1
MaineState
Volume 388Mix 100.00% of portfolio
89/100
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.