DSCR Loans in Kennebec County, Maine
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 53 lenders made 192 investment-property loans in Kennebec County, 10.8% of Maine's total. Dominick Prevete arranges DSCR loans across Kennebec 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 $260,000.
Kennebec County investor market at a glance
| Statistic | Kennebec County | Maine | County rank |
|---|---|---|---|
| Investor loans | 192 | 1,783 | 4th of 6 |
| Reporting lenders | 53 | 196 | 4th of 6 |
| Loan volume | $43.5M | $571.4M | 3rd of 6 |
| Average loan | $227K | $320K | 5th of 6 |
| Median loan | $215K | $265K | 5th of 6 |
| Purchases | 55.2% | 60.9% | 6th of 6 |
| Cash-out refinances | 14.1% | 14.9% | 5th of 6 |
| 2–4 unit properties | 52.1% | 35.6% | 2nd of 6 |
| Top five lenders' share | 50.5% | 27.0% | 1st of 6 |
| Reported business-purpose | 74.0% | 69.3% | 2nd of 6 |
Kennebec County: closed-end loans on 1–4 unit investment properties. Kennebec County's rank is highest first, among Maine's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Kennebec County's investor loans.
What stands out in Kennebec County
55.2% of Kennebec County's investor loans were purchases, the lowest share of Maine's 6 counties with published data (statewide: 60.9%).
Refinances are a larger share here than in most of Maine. A DSCR refinance qualifies on the property's current rent.
The five most active lenders wrote 50.5% of Kennebec County's investor loans, the highest share of Maine's 6 counties with published data (statewide: 27.0%).
Five lenders write 50.5% of the loans here, so comparing written term sheets matters more.
Does a DSCR loan pencil in Kennebec County?
At HUD's fair market rent of $1,767 for a 3-bedroom in Kennebec County, Maine, a rental covers its full DSCR payment up to a purchase price of about $260,000, with 20% down at the 7.25% starting rate (November 2026). Kennebec County's median home value is $238,200; at that price the payment is $1,616 a month, so the property would need $1,625 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) | $1,374 / $1,767 / $2,167 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $238,200 |
| Median property taxes and effective rate | $2,605 (1.09% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,616 |
| Rent needed to cover that payment | $1,625 |
| Coverage of a 3-bedroom at fair market rent | 1.09 |
| Highest price a 3-bedroom at fair market rent covers | about $260,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $400,000 |
| HUD area | Kennebec County, ME |
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 Kennebec County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Kennebec County?
The most active investment-property lenders in Kennebec County in 2025 HMDA data were Kennebec Savings Bank, Maine State Credit Union and Bangor Savings Bank, out of 53 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, including two that reported in Kennebec County, and matches each file to the one most likely to fund it.
Kennebec County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 192 loans and $43.5M from 53 lenders. Kennebec Savings Bank led Kennebec County with 40 loans, 20.8% of the county's total, and the average Kennebec County loan of $227K compares with $320K across Maine.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kennebec Savings Bank | 40 | $7.2M | $180K | 57.5% |
| Maine State Credit Union | 17 | $4.0M | $235K | 76.5% |
| Bangor Savings Bank | 17 | $4.0M | $234K | 82.4% |
| Kiavi Funding, Inc. | 13 | $3.8M | $293K | 7.7% |
| GUILD MORTGAGE COMPANY | 10 | $2.4M | $241K | 80.0% |
| Maine Community Bank | 8 | $1.9M | $241K | 37.5% |
| United Wholesale Mortgage | 7 | $1.5M | $208K | 28.6% |
| The Camden National Bank | 7 | $1.4M | $198K | 71.4% |
| T2 FINANCIAL LLC | 5 | $1.1M | $219K | 40.0% |
| Skowhegan Savings Bank | 4 | $1.6M | $405K | 100.0% |
| Rocket Mortgage, LLC | 4 | $0.9M | $220K | 25.0% |
| GUARANTEED RATE, INC. | 3 | $0.8M | $278K | 66.7% |
| Hometown Equity Mortgage, LLC | 3 | $0.6M | $208K | 0.0% |
| CPORT | 3 | $0.2M | $75K | 0.0% |
| Androscoggin Savings Bank | 2 | $0.7M | $345K | 100.0% |
| Navy Federal Credit Union | 2 | $0.7M | $335K | 50.0% |
| First National Bank | 2 | $0.6M | $280K | 50.0% |
| KIND LENDING, LLC | 2 | $0.5M | $270K | 100.0% |
| LENDINGONE, LLC | 2 | $0.5M | $265K | 50.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | $0.5M | $235K | 0.0% |
| THE LOAN STORE, INC. | 2 | $0.4M | $215K | 50.0% |
| Bath Savings Institution | 2 | $0.4M | $180K | 100.0% |
| Broker Solutions, Inc. | 2 | $0.3M | $165K | 50.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 2 | $0.3M | $160K | 50.0% |
| PENNYMAC LOAN SERVICES, LLC | 2 | $0.3M | $155K | 50.0% |
12 Maine loans (0.7%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Kennebec County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Kennebec County CSV, all 25 lenders
What Kennebec County's table can't show you: fit. Short-term financing is exempt from HMDA, so Kennebec County's fix-and-flip and bridge lenders barely appear among its 53 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 — including some on this list — 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 Kennebec County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Kennebec County |
|---|---|---|---|
| Androscoggin County, ME | 107 | 44 | Borders Kennebec County |
| Oxford County, ME | 102 | 45 | About 50 miles away |
| Cumberland County, ME | 343 | 93 | About 50 miles away |
| Carroll County, NH | 135 | 77 | About 80 miles away |
| Penobscot County, ME | 193 | 55 | About 85 miles away |
Run the coverage test on your Kennebec County, Maine deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Kennebec 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 — Kennebec County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 53 lenders and 192 loans: 2025 HMDA loan-level data rolled up to Kennebec County.
- Kennebec County investor-lender dataset (CSV) — All 25 lenders in the Kennebec County, Maine table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Kennebec 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 Kennebec County, ME.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Kennebec 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.