DSCR Loans in Androscoggin County, Maine
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 44 lenders made 107 investment-property loans in Androscoggin County, 6.0% of Maine's total. Dominick Prevete arranges DSCR loans across Androscoggin County, Maine, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $305,000.
Androscoggin County investor market at a glance
| Statistic | Androscoggin County | Maine | County rank |
|---|---|---|---|
| Investor loans | 107 | 1,783 | 5th of 6 |
| Reporting lenders | 44 | 196 | 6th of 6 |
| Loan volume | $26.8M | $571.4M | 6th of 6 |
| Average loan | $251K | $320K | 4th of 6 |
| Median loan | $245K | $265K | 4th of 6 |
| Purchases | 59.8% | 60.9% | 4th of 6 |
| Cash-out refinances | 15.0% | 14.9% | 3rd of 6 |
| 2–4 unit properties | 66.4% | 35.6% | 1st of 6 |
| Top five lenders' share | 42.1% | 27.0% | 4th of 6 |
| Reported business-purpose | 66.4% | 69.3% | 4th of 6 |
Androscoggin County: closed-end loans on 1–4 unit investment properties. Androscoggin County's rank is highest first, among Maine's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Androscoggin County's investor loans.
What stands out in Androscoggin County
66.4% of Androscoggin County's investor loans financed a 2–4 unit property, the highest share of Maine's 6 counties with published data (statewide: 35.6%).
2–4 unit properties are common here. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
Androscoggin County's 107 investor loans ranked 5th of Maine's 6 counties with published data.
Does a DSCR loan pencil in Androscoggin County?
At HUD's fair market rent of $2,119 for a 3-bedroom in Androscoggin County, Maine, a rental covers its full DSCR payment up to a purchase price of about $305,000, with 20% down at the 7.25% starting rate (November 2026). Androscoggin County's median home value is $252,800; at that price the payment is $1,730 a month, so the property would need $1,750 in rent to cover it.
At that price, the rent covers the full payment, which is the test a standard DSCR loan qualifies on.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,677 / $2,119 / $2,459 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $252,800 |
| Median property taxes and effective rate | $2,940 (1.16% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,730 |
| Rent needed to cover that payment | $1,750 |
| Coverage of a 3-bedroom at fair market rent | 1.22 |
| Highest price a 3-bedroom at fair market rent covers | about $305,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $490,000 |
| HUD area | Lewiston-Auburn, ME MSA |
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run Androscoggin County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Androscoggin County?
The most active investment-property lenders in Androscoggin County in 2025 HMDA data were Maine Community Bank, United Wholesale Mortgage and Bangor Savings Bank, out of 44 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders and matches each file to the one most likely to fund it.
Androscoggin County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 107 loans and $26.8M from 44 lenders. Maine Community Bank led Androscoggin County with 13 loans, 12.1% of the county's total, and the average Androscoggin County loan of $251K compares with $320K across Maine.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Maine Community Bank | 13 | $3.5M | $270K | 76.9% |
| United Wholesale Mortgage | 12 | $2.8M | $231K | 66.7% |
| Bangor Savings Bank | 8 | $1.6M | $199K | 87.5% |
| Androscoggin Savings Bank | 7 | $2.0M | $286K | 42.9% |
| Norway Savings Bank | 5 | $1.2M | $243K | 60.0% |
| NORTHPOINT MORTGAGE, INC. | 5 | $1.2M | $239K | 80.0% |
| The Camden National Bank | 4 | $1.2M | $290K | 50.0% |
| Dirigo Federal Credit Union | 4 | $0.6M | $155K | 50.0% |
| GUILD MORTGAGE COMPANY | 3 | $0.9M | $302K | 66.7% |
| Rocket Mortgage, LLC | 3 | $0.9M | $285K | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | $0.7M | $365K | 50.0% |
| Katahdin Trust Company | 2 | $0.6M | $305K | 100.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 2 | $0.5M | $270K | 100.0% |
| Loandepot.Com, LLC | 2 | $0.5M | $235K | 100.0% |
| TOTAL MORTGAGE SERVICES, LLC | 2 | $0.5M | $235K | 0.0% |
| Broker Solutions, Inc. | 2 | $0.5M | $230K | 100.0% |
| PENNYMAC LOAN SERVICES, LLC | 2 | $0.4M | $210K | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | $0.4M | $205K | 0.0% |
| TD Bank, National Association | 2 | $0.1M | $75K | 0.0% |
| Machias Savings Bank | 1 | $0.6M | $585K | 0.0% |
| PEOPLESCHOICE CREDIT UNION | 1 | $0.5M | $495K | 100.0% |
| Leader Bank, National Association | 1 | $0.5M | $465K | 100.0% |
| ATLANTIC REGIONAL FEDERAL CREDIT UNION | 1 | $0.4M | $365K | 0.0% |
| Mortgage Research Center, LLC | 1 | $0.4M | $365K | 100.0% |
| ARC HOME LLC | 1 | $0.3M | $315K | 100.0% |
12 Maine loans (0.7%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Androscoggin County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Androscoggin County CSV, all 25 lenders
What Androscoggin County's table can't show you: fit. Short-term financing is exempt from HMDA, so Androscoggin County's fix-and-flip and bridge lenders barely appear among its 44 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders so it lands with the one most likely to fund it.
Price your loan →Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.
Counties near Androscoggin County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Androscoggin County |
|---|---|---|---|
| Oxford County, ME | 102 | 45 | Borders Androscoggin County |
| Cumberland County, ME | 343 | 93 | Borders Androscoggin County |
| Kennebec County, ME | 192 | 53 | Borders Androscoggin County |
| Carroll County, NH | 135 | 77 | About 55 miles away |
| Penobscot County, ME | 193 | 55 | About 115 miles away |
Run the coverage test on your Androscoggin County, Maine deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter an Androscoggin County, Maine property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Androscoggin County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 44 lenders and 107 loans: 2025 HMDA loan-level data rolled up to Androscoggin County.
- Androscoggin County investor-lender dataset (CSV) — All 25 lenders in the Androscoggin County, Maine table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Androscoggin County's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the Lewiston-Auburn, ME MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Androscoggin County's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.