🛡️
Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Maine
Updated February 6, 2026
Market Overview
117
Total Lenders
14,762
Total Loans
0.34%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Bangor Savings Bank | Exceptional | Exceptional | Strong | Exceptional | $1,277 | -0.104% | 1,178 | |
2 | TOWN & COUNTRY FEDERAL CREDIT UNION | Exceptional | Exceptional | Strong | Strong | $473 | -0.052% | 153 | |
3 | The Camden National Bank | Exceptional | Strong | Strong | Exceptional | $1,038 | +0.079% | 647 | |
4 | Androscoggin Savings Bank | Exceptional | Strong | Strong | Exceptional | $1,847 | +0.124% | 240 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $425 | -0.356% | 138 | |
6 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | $299 | -0.433% | 39 | |
7 | MEGASTAR FINANCIAL CORP. | Exceptional | Exceptional | Strong | Sound | -$7,395 | +0.242% | 37 | |
8 | Leader Bank, National Association | Exceptional | Exceptional | Strong | Sound | $1,148 | +0.042% | 35 | |
9 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,431 | +0.368% | 1,309 | |
10 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $760 | +0.110% | 153 | |
11 | Bath Savings Institution | Strong | Strong | Strong | Strong | $1,232 | -0.400% | 145 | |
12 | KeyBank National Association | Strong | Strong | Strong | Strong | $2,124 | +0.234% | 112 | |
13 | Service Federal Credit Union | Strong | Exceptional | Sound | Sound | $528 | -0.363% | 32 | |
14 | Kennebec Savings Bank | Strong | Sound | Strong | Exceptional | $59 | +0.582% | 388 | |
15 | Norway Savings Bank | Strong | Strong | Sound | Strong | $1,005 | +0.271% | 110 | |
16 | Bank of America, National Association | Strong | Strong | Strong | Sound | $2,454 | -0.017% | 74 | |
17 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | $2,179 | +0.183% | 42 | |
18 | Manufacturers and Traders Trust Company | Strong | Strong | Strong | Sound | $1,679 | +0.105% | 31 | |
19 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,309 | +0.415% | 1,169 | |
20 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $2,750 | +0.370% | 1,122 | |
21 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,307 | +0.448% | 1,010 | |
22 | CUSO MORTGAGE CORPORATION | Strong | Sound | Sound | Exceptional | $1,605 | +0.282% | 255 | |
23 | HARBORONE MORTGAGE, LLC | Strong | Sound | Strong | Strong | $2,279 | +0.264% | 198 | |
24 | Machias Savings Bank | Strong | Sound | Sound | Exceptional | $1,275 | +0.361% | 179 | |
25 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,265 | +0.281% | 157 | |
26 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $1,882 | +0.296% | 128 | |
27 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,067 | +0.559% | 122 | |
28 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,914 | +0.338% | 82 | |
29 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Sound | $1,828 | +0.347% | 54 | |
30 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,524 | +0.115% | 45 | |
31 | Empeople Credit Union | Strong | Strong | Sound | Sound | $1,137 | -0.307% | 38 | |
32 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,945 | +0.212% | 376 | |
33 | NORTHPOINT MORTGAGE, INC. | Strong | Acceptable | Strong | Exceptional | $2,714 | +0.368% | 263 | |
34 | First National Bank | Strong | Acceptable | Strong | Exceptional | $601 | +0.602% | 175 | |
35 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $2,391 | +0.459% | 152 | |
36 | TD Bank, National Association | Strong | Sound | Sound | Strong | $783 | +0.401% | 138 | |
37 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | $3,196 | +0.776% | 136 | |
38 | Saco & Biddeford Savings Institution | Strong | Sound | Sound | Strong | $1,426 | +0.258% | 110 | |
39 | NORTHEAST CREDIT UNION | Strong | Sound | Sound | Strong | $997 | +0.264% | 94 | |
40 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | $3,184 | +0.156% | 93 | |
41 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $2,067 | -0.155% | 86 | |
42 | Bar Harbor Bank & Trust | Strong | Sound | Sound | Strong | $1,333 | +0.607% | 82 | |
43 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $1,616 | -0.090% | 74 | |
44 | SIS BANCORP, MHC | Strong | Sound | Sound | Strong | $1,306 | +0.289% | 50 | |
45 | NORTHEAST HOME LOAN, LLC | Strong | Sound | Strong | Sound | $1,683 | +0.856% | 38 | |
46 | SEABOARD FEDERAL CREDIT UNION | Strong | Sound | Sound | Strong | $548 | +0.508% | 38 | |
47 | NORWICH COMMERCIAL GROUP, INC. | Strong | Sound | Strong | Sound | $1,823 | +0.355% | 35 | |
48 | SACO VALLEY CREDIT UNION | Strong | Sound | Sound | Strong | $774 | +0.255% | 34 | |
49 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $1,365 | +0.450% | 352 | |
50 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,081 | +0.438% | 253 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Maine
No credit impact
3-minute process
100% free