---
title: Multifamily Lenders in Penobscot County, ME: 16 Made Loans
url: https://lender.report/lenders-in/maine/penobscot-county/
license: https://lender.report/license/
---

County · ME

# Multifamily lenders in Penobscot County, ME

16 lenders made 94 multifamily loans in Penobscot County, ME in 2024 and 2025, $78.9M in all. Machias Savings Bank made the most, with 27. The typical loan was about $460K. The county is part of the Bangor, ME metro area.

**Evidence**
Multifamily loans placed in the county, HMDA

**Data as of**
HMDA 2025

**Page last changed**
November 11, 2026

**Lenders on record**
16

HMDA, 2025

**Multifamily loans, 2024-25**
94

HMDA, 2025

Manufactured-home parks excluded

**Dollars**
$78.9M

HMDA, 2025

**Typical loan**
$460K

HMDA, 2025

Cite this

Source: The Lender Report, Multifamily lenders in Penobscot County, ME, https://lender.report/lenders-in/maine/penobscot-county/, data as of December 31, 2025.

## Describe a deal in Penobscot County, ME

See which of these lenders made loans like yours, at your size and in your place. No account and no form.

[Show multifamily loans in Penobscot County, ME](https://lender.report/comps/?lane=multifamily&state=ME&county=23019)[On this list? Find your page](https://lender.report/for-lenders/?from=market)

| Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans | Typical loan |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [Machias Savings Bank](https://lender.report/lender/machias-savings-bank-me/) [multifamily record](https://lender.report/lender/machias-savings-bank-me/multifamily/) | Savings | Machias, ME | 27 | $13.0M | 16 | 11 | $380K |
| [First National Bank](https://lender.report/lender/first-national-bank-me/) [multifamily record](https://lender.report/lender/first-national-bank-me/multifamily/) | Bank | Damariscotta, ME | 19 | $24.1M | 8 | 11 | $520K |
| [Bangor Savings Bank](https://lender.report/lender/bangor-savings-bank-me/) [multifamily record](https://lender.report/lender/bangor-savings-bank-me/multifamily/) | Savings | Bangor, ME | 13 | $11.5M | 8 | 5 | $400K |
| [Katahdin Trust Company](https://lender.report/lender/katahdin-trust-me/) [multifamily record](https://lender.report/lender/katahdin-trust-me/multifamily/) | Bank | Patten, ME | 8 | $7.76M | 2 | 6 | $980K |
| [The Camden National Bank](https://lender.report/lender/camden-national-bank-me/) [multifamily record](https://lender.report/lender/camden-national-bank-me/multifamily/) | Bank | Camden, ME | 6 | $5.00M | 3 | 3 | $460K |
| [Maine Savings Credit Union](https://lender.report/lender/maine-savings-credit-union-me/) [multifamily record](https://lender.report/lender/maine-savings-credit-union-me/multifamily/) | Credit union | Hampden, ME | 5 | $2.85M | 0 | 5 | $660K |
| [Skowhegan Savings Bank](https://lender.report/lender/skowhegan-savings-bank-me/) [multifamily record](https://lender.report/lender/skowhegan-savings-bank-me/multifamily/) | Savings | Skowhegan, ME | 3 | $1.56M | 0 | 3 | $360K |
| [TD Bank, National Association](https://lender.report/lender/td-bank-de/) [multifamily record](https://lender.report/lender/td-bank-de/multifamily/) | Bank | Wilmington, DE | 3 | $1.44M | 0 | 3 | $240K |
| [The County Credit Union](https://lender.report/lender/county-credit-union-me/) [multifamily record](https://lender.report/lender/county-credit-union-me/multifamily/) | Credit union | Presque Isle, ME | 2 | $3.90M | 1 | 1 | $2.3M |
| [Citadel Servicing Corporation](https://lender.report/lender/citadel-servicing-ca/) [multifamily record](https://lender.report/lender/citadel-servicing-ca/multifamily/) | Non-bank | Irvine, CA | 2 | $620K | 0 | 2 | $320K |
| [PGIM Real Estate Agency Financing, LLC](https://lender.report/lender/pgim-real-estate-agency-financing-tx/) [multifamily record](https://lender.report/lender/pgim-real-estate-agency-financing-tx/multifamily/) | Non-bank | Dallas, TX | 1 | $2.90M | 1 | 0 | $2.9M |
| [Eastern Bank](https://lender.report/lender/eastern-bank-ma/) [multifamily record](https://lender.report/lender/eastern-bank-ma/multifamily/) | Bank | Boston, MA | 1 | $2.00M | 1 | 0 | $2M |
| [CCG Fund 1, LLC](https://lender.report/lender/ccg-fund-1-ma/) [multifamily record](https://lender.report/lender/ccg-fund-1-ma/multifamily/) | Non-bank | Boston, MA | 1 | $1.10M | 1 | 0 | $1.1M |
| [Androscoggin Savings Bank](https://lender.report/lender/androscoggin-savings-bank-me/) [multifamily record](https://lender.report/lender/androscoggin-savings-bank-me/multifamily/) | Savings | Lewiston, ME | 1 | $360K | 1 | 0 | $360K |
| [University Credit Union](https://lender.report/lender/university-credit-union-me/) | Credit union | Orono, ME | 1 | $360K | 0 | 1 | $360K |
| [Bar Harbor Bank & Trust](https://lender.report/lender/bar-harbor-bank-and-trust-me/) [multifamily record](https://lender.report/lender/bar-harbor-bank-and-trust-me/multifamily/) | Bank | Bar Harbor, ME | 1 | $240K | 0 | 1 | $240K |

HMDA, 2025

[Check a deal in Penobscot County, ME in Loan Comps](https://lender.report/comps/?lane=multifamily&state=ME&county=23019)

| Loan size | Loans | Lenders |
| --- | --- | --- |
| Under $1M | 69 | 12 |
| $1M to $2.5M | 20 | 9 |
| $2.5M to $5M | 4 | 3 |
| $5M to $10M | 1 | 1 |
| $10M or more | 0 | 0 |

HMDA, 2025

- Lenders made 94 multifamily loans totaling $78.9M in Penobscot County, ME in 2024 and 2025. HMDA, 2025
- 42 of the loans were made in 2025 and 52 in 2024. HMDA, 2025
- The typical loan in Penobscot County, ME was about $460K, with the middle half between $300K and $1M. HMDA, 2025
- 69 of the loans were under $1M, and 1 were $5M or more. HMDA, 2025
- Lenders reported a median rate of 7.75% on 80 loans in Penobscot County, ME, with the middle half between 7.25% and 8.25%. HMDA, 2025
- The median term was 10 years. HMDA, 2025
- The median loan to value was 70%. HMDA, 2025
- 30% of the loans were refinancings and 57% were purchases. HMDA, 2025
- Banks and savings institutions made 82 of the loans, credit unions 8, and non-banks 4. HMDA, 2025
- The five most active lenders made 77.7% of the loans. HMDA, 2025
- The three most active lenders were Machias Savings Bank with 27, First National Bank with 19, and Bangor Savings Bank with 13. HMDA, 2025
- 11 of the 16 lenders are based in Maine. The rest are based elsewhere, most often in Massachusetts, California and Delaware. HMDA, 2025
- The most common property size was 5 to 24 units, with 81 loans. HMDA, 2025
- Penobscot County, ME is part of the Bangor, ME metro area, which has its own page. OMB metro list, 2025

## How this list is defined

**Measure**
Multifamily loans made in Penobscot County, ME

**Period**
2024 and 2025

**Formula**
Count, by lender, of HMDA records for multifamily dwellings of 5 or more units placed in the county, manufactured-home parks excluded, for each year in which the public file holds 5 or more such loans in the county.

**Order**
Largest first by loans recorded in the place, then dollars, then name. Payment is not part of the order.

**As of**
2025

**Source**
[HMDA](https://ffiec.cfpb.gov/data-browser/)

**Changelog**
November 12, 2026: First published, with the data built on this date.

## What we don't know

- Whether any of these lenders is taking new loans today.
- What they charge or require beyond the rate and term that HMDA reports.
- Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only.

A metro area or county is named for a year only when the public file holds 5 or more multifamily loans there that year, so a small place is never exposed by a count.

SBA loans are on record by state only, so this page has no SBA figures for the county. The state pages carry them.

HMDA covers dwelling-secured loans. Amounts are the midpoints of $10,000 bands, and each loan has a year, never a date.

Lenders that merged or stopped filing are left out.

Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. [Report a problem](https://lender.report/report/)

Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.