Safe Rate Rankings

Best Mortgage Lenders in Bangor

Updated February 5, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders27

Total Loans1,332

Median Rate Spread0.34%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Bangor Savings BankBank	Exceptional	Exceptional	Strong	Exceptional	$1,234Fees	0.139%Below	224
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,376Fees	0.234%Above	131
3	The Camden National BankBank	Strong	Strong	Strong	Strong	$1,113Fees	0.034%Below	49
4	KeyBank National AssociationBank	Strong	Strong	Strong	Sound	$1,919Fees	0.396%Above	21
5	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,859Fees	0.522%Above	145
6	LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$2,474Fees	0.610%Above	108
7	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,336Fees	0.210%Above	84
8	CUSO MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Sound	Strong	$1,392Fees	0.239%Above	62
9	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,725Fees	0.364%Above	37
10	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,004Fees	0.498%Above	36
11	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$4,695Fees	0.207%Above	24
12	Machias Savings BankBank	Strong	Sound	Sound	Strong	$1,349Fees	0.486%Above	24
13	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,636Fees	0.812%Above	60
14	Maine Savings Federal Credit UnionCredit Union	Strong	Sound	Acceptable	Strong	$1,016Fees	0.495%Above	28
15	University Credit UnionCredit Union	Strong	Sound	Acceptable	Strong	$1,484Fees	0.562%Above	25
16	TOTAL MORTGAGE SERVICES, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$3,364Fees	0.505%Above	55
17	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$1,784Fees	0.484%Above	26
18	NextMortgage, LLCIndependent Mortgage Company	Sound	Mediocre	Acceptable	Strong	$2,394Fees	0.709%Above	34

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.