Mortgage Loans in Augusta, ME

Looking for a home loan in Augusta, ME? Compare offers from local lenders who understand the unique needs of our community. Whether you’re buying your first home or refinancing, find competitive rates and friendly support tailored just for you.

Today’s Mortgage Rates & Analysis - Updated on 2025-OCT-11

Federal Funds Rate - Trends & Analysis:

Today’s Fed Funds Effective Rate is 4.25%. This is lower than 30 days ago when it was 4.50%. Changes in the Fed Funds rate influence mortgage rates because they affect the cost for banks to borrow money, which can impact loan interest rates for consumers.

Credit Union Loan Rates - Trends & Analysis:

Affinity offers a 15-year conventional fixed rate at 5.125% and a 30-year conventional fixed rate at 5.75%, both unchanged from a week ago but up 13 bp from 30 days prior. Their adjustable rates for 3-, 5-, and 7-year terms remain steady at 4.375%, 4.5%, and 4.75%, respectively. The 30-year fixed rate today is 5.75%, and the 15-year fixed is 5.125%. Baxter offers a 15-year Conventional Fixed at 5.125% and a 30-year Conventional Fixed at 6.0%, with the 30-year rate up 13 bp from last week. They also have a 30-year Jumbo Fixed at 5.875%, which rose 25 bp over the past month. Additionally, the 5-year Adjustable sits at 4.75%, down 13 bp from a month ago.

Navy Federal Credit Union offers a 15-year conventional fixed rate at 4.875% and a 30-year conventional fixed rate at 5.625%, both unchanged from a week ago. The 15-year conventional and 30-year conventional refinance rates match these fixed rates. The 30-year VA purchase rate is steady at 5.375%, while the 30-year jumbo purchase rate is 5.875%, down 13 bp from last week. FHA 3-year and 5-year ARMs are at 5.0% and 5.25%, respectively, with a slight 30-day drop of 13 bp. Affinity Plus offers a 30-year Conventional fixed rate at 6.0% today, down 13 bp from 30 days ago. The 15-year Conventional fixed rate is steady at 5.5%. VA and Jumbo 30-year fixed loans are also at 6.0%, with the Jumbo rate down 13 bp from a month ago. Adjustable 5-year ARMs hold at 4.875%, and 7-year ARMs are at 5.125%.

Digital shows a 15-year Conventional Fixed rate today at 5.375%, up 13 bp from a week ago and 25 bp higher than 30 days ago. The 30-year Conventional Fixed rate is steady at 6.0%. The 30-year Conventional ARM rate is 6.0%, down 13 bp from 15 days ago. The Jumbo 30-year Fixed rate remains at 6.0%. Delta Community offers a 15-year conventional fixed rate at 5.0%, down 25 bp from a month ago, and a 30-year conventional fixed rate at 5.5%, down 13 bp over the same period. Their 30-year jumbo fixed rate is steady today at 5.625%, down 25 bp from 30 days ago. The 15-year conventional fixed rate has held steady over the past week.

Connexus offers a 15-year Conventional Fixed at 5.125% and a 30-year Conventional Fixed at 5.875% today. Their 15-year Conventional Refinance is 5.75%, while the 30-year Conventional Refinance is 6.375%. The 3-year ARM is at 5.25%, down 50 bp from 30 days ago, and the 5-year ARM is 5.75%, also down 49 bp over the same period. The 7-year ARM stands at 6.25%, down 34 bp from 30 days ago. Nasa offers a 15-year conventional fixed rate at 5.25%, steady from a week ago, and a 30-year conventional fixed at 5.875%, up 13 bp from a month ago. FHA 30-year fixed rose 25 bp in the past week to 6.0%. VA 30-year fixed increased 13 bp to 5.625%. Jumbo 30-year fixed climbed 13 bp to 6.625%.

Consumers offer a 15-year Conventional Fixed at 5.5% and a 30-year Conventional Fixed at 6.25%, down 13 bp from a week ago. The Jumbo 30-year Fixed rate holds steady at 6.375%. Consumers also have a 5-year ARM at 5.625%, down 13 bp from 30 days ago. Dupaco Community offers a 15-year conventional fixed rate today at 5.5%, up 13 bp from last week and 25 bp from 30 days ago. Their 30-year conventional fixed rate is steady at 5.75%, unchanged from last week but up 13 bp from 30 days ago. Both 15- and 30-year conventional refinance rates match the purchase rates exactly.

Market Indicators - Data & Insights:

Today, Zillow's 30-year mortgage rate is 6.332%, while Freddie Mac's 30-year rate is 6.300%, with Zillow slightly higher. Zillow's 30-year rate is a bit lower than it was 7 days ago. These rates reflect current borrowing costs, which can influence how many people decide to buy homes or refinance their mortgages.

🏦 All Local Lenders in Augusta, ME

Lender NameBranch AddressOffice ServicesLender Snapshot
TRADEMARK FEDERAL CREDIT UNION
44 EDISON DR AUGUSTA ME 04330
ATM
Drive-Thru
P2P
E-Statements
E-Signature
Assets: $119,424,824
Deposits: $9,707,492
Net Worth: $12,255,886
Employees: 28
Members: 8,280
K V FEDERAL CREDIT UNION
316 W RIVER RD AUGUSTA ME 04330
Drive-Thru
P2P
E-Statements
Assets: $122,457,324
Deposits: $6,206,338
Net Worth: $14,275,267
Employees: 21
Members: 11,010
CONNECTED CREDIT UNION
85 CIVIC CENTER DRIVE AUGUSTA ME 04330
ATM
Drive-Thru
P2P
E-Statements
E-Signature
Assets: $119,300,799
Deposits: $12,453,010
Net Worth: $12,947,019
Employees: 23
Members: 7,965
UNIVERSITY CREDIT UNION
67 SEWALL ST AUGUSTA ME 04330
ATM
Drive-Thru
P2P
E-Statements
E-Signature
Assets: $498,027,367
Deposits: $21,445,259
Net Worth: $47,188,377
Employees: 102
Members: 31,191
MAINE STATE CREDIT UNION
200 CAPITOL ST AUGUSTA ME 04330
ATM
Drive-Thru
P2P
E-Statements
E-Signature
Assets: $678,299,237
Deposits: $12,075,229
Net Worth: $75,221,686
Employees: 128
Members: 37,150
MAINE STATE CREDIT UNION
162 HOSPITAL ST AUGUSTA ME 04330
ATM
Drive-Thru
P2P
E-Statements
E-Signature
Assets: $678,299,237
Deposits: $12,075,229
Net Worth: $75,221,686
Employees: 128
Members: 37,150
CPORT CREDIT UNION
399 WESTERN AVE AUGUSTA ME 04330
ATM
Drive-Thru
P2P
E-Statements
Assets: $417,734,521
Deposits: $61,732,089
Net Worth: $43,920,269
Employees: 103
Members: 34,840
FIVE COUNTY CREDIT UNION
201 CIVIC CENTER DR AUGUSTA ME 04330
ATM
P2P
E-Statements
E-Signature
Assets: $378,315,835
Deposits: $16,804,202
Net Worth: $36,057,814
Employees: 133
Members: 30,773
GARDINER FEDERAL CREDIT UNION
316 W RIVER RD AUGUSTA ME 04330
ATM
P2P
E-Statements
Assets: $83,231,935
Deposits: $4,424,910
Net Worth: $12,902,964
Employees: 14
Members: 5,239
CAPITAL AREA FEDERAL CREDIT UNION
2010 N BELFAST AVE AUGUSTA ME 04330
Drive-Thru
P2P
E-Statements
E-Signature
Assets: $64,628,524
Deposits: $4,318,284
Net Worth: $10,861,778
Employees: 14
Members: 4,045

🏘️ All the Lenders Available in Kennebec County, ME

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