Sagadahoc County
Maine · FIPS 23023
According to CFPB HMDA 2024 application volume among U.S. counties, Sagadahoc County ranks #1,171 of 3,223, and #13 of 16 in Maine.
Mortgage lending activity in Sagadahoc County, Maine based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Sagadahoc County, Maine lenders denied 220 of the applications reported here, financing the rest at an average note rate of 7.30%, with applicants self-reporting average annual income of $37K. 117 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 7.1x, meaning typical borrowers took on mortgages of about 7.1 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Sagadahoc County
In Sagadahoc County, lead originator Bath Savings Institution funded only 7.8% of 804 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 20.0% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Sagadahoc County's 1,400 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Sagadahoc County's $263,257 average loan (deduped against volume peers).
Lenders active in Sagadahoc County
Bath Savings Institution funded 63 of the 804 loans originated in Sagadahoc County, 7.8% of the county. 117 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Bath Savings Institution | 63 | 7.8% |
| 2 | Bangor Savings Bank | 52 | 6.5% |
| 3 | The Camden National Bank | 46 | 5.7% |
| 4 | United Wholesale Mortgage | 46 | 5.7% |
| 5 | First Federal Savings and Loan Assocation of Bath | 44 | 5.5% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Sagadahoc County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Sagadahoc County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.