Safe Rate Rankings

Best FHA 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.
Total Lenders27
Total Loans1,332
Median Rate Spread0.34%

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RankLenderOverallPricingProductPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
Bangor Savings BankBank
Exceptional
Exceptional
Strong
Strong
Exceptional
$1,234Fees
0.139%Below
224
2
UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company
Exceptional
Sound
Exceptional
Exceptional
Exceptional
$2,376Fees
0.234%Above
131
3
The Camden National BankBank
Exceptional
Exceptional
Strong
Sound
Strong
$1,113Fees
0.034%Below
49
4
CUSO MORTGAGE CORPORATIONIndependent Mortgage Company
Exceptional
Exceptional
Sound
Sound
Strong
$1,392Fees
0.239%Above
62
5
ROCKET MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
Exceptional
$3,859Fees
0.522%Above
145
6
FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
Strong
$3,004Fees
0.498%Above
36
7
LOANDEPOT.COM, LLCIndependent Mortgage Company
Strong
Sound
Exceptional
Strong
Sound
$4,695Fees
0.207%Above
24
8
CMG MORTGAGE, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$2,336Fees
0.210%Above
84
9
GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
Strong
$2,725Fees
0.364%Above
37
10
LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company
Strong
Mediocre
Exceptional
Strong
Exceptional
$2,474Fees
0.610%Above
108
11
TOTAL MORTGAGE SERVICES, LLCIndependent Mortgage Company
Strong
Mediocre
Exceptional
Exceptional
Strong
$3,364Fees
0.505%Above
55
12
NextMortgage, LLCIndependent Mortgage Company
Sound
Mediocre
Strong
Strong
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 40 Points)

10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)

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.