Safe Rate Rankings

Best Mortgage Lenders in Maine

Updated February 6, 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 Lenders117

Total Loans14,762

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	$1,277Fees	0.104%Below	1,178
2	TOWN & COUNTRY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Strong	$473Fees	0.052%Below	153
3	The Camden National BankBank	Exceptional	Strong	Strong	Exceptional	$1,038Fees	0.079%Above	647
4	Androscoggin Savings BankBank	Exceptional	Strong	Strong	Exceptional	$1,847Fees	0.124%Above	240
5	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$425Fees	0.356%Below	138
6	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	$299Fees	0.433%Below	39
7	MEGASTAR FINANCIAL CORP.Independent Mortgage Company	Exceptional	Exceptional	Strong	Sound	$7,395Credit	0.242%Above	37
8	Leader Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	$1,148Fees	0.042%Above	35
9	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,431Fees	0.368%Above	1,309
10	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$760Fees	0.110%Above	153
11	Bath Savings InstitutionBank	Strong	Strong	Strong	Strong	$1,232Fees	0.400%Below	145
12	KeyBank National AssociationBank	Strong	Strong	Strong	Strong	$2,124Fees	0.234%Above	112
13	Service Federal Credit UnionCredit Union	Strong	Exceptional	Sound	Sound	$528Fees	0.363%Below	32
14	Kennebec Savings BankBank	Strong	Sound	Strong	Exceptional	$59Fees	0.582%Above	388
15	Norway Savings BankBank	Strong	Strong	Sound	Strong	$1,005Fees	0.271%Above	110
16	Bank of America, National AssociationBank	Strong	Strong	Strong	Sound	$2,454Fees	0.017%Below	74
17	Citizens Bank, National AssociationBank	Strong	Strong	Strong	Sound	$2,179Fees	0.183%Above	42
18	Manufacturers and Traders Trust CompanyBank	Strong	Strong	Strong	Sound	$1,679Fees	0.105%Above	31
19	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,309Fees	0.415%Above	1,169
20	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,750Fees	0.370%Above	1,122
21	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,307Fees	0.448%Above	1,010
22	CUSO MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Sound	Exceptional	$1,605Fees	0.282%Above	255
23	HARBORONE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,279Fees	0.264%Above	198
24	Machias Savings BankBank	Strong	Sound	Sound	Exceptional	$1,275Fees	0.361%Above	179
25	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,265Fees	0.281%Above	157
26	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$1,882Fees	0.296%Above	128
27	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,067Fees	0.559%Above	122
28	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,914Fees	0.338%Above	82
29	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Sound	$1,828Fees	0.347%Above	54
30	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Sound	$2,524Fees	0.115%Above	45
31	Empeople Credit UnionCredit Union	Strong	Strong	Sound	Sound	$1,137Fees	0.307%Below	38
32	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,945Fees	0.212%Above	376
33	NORTHPOINT MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$2,714Fees	0.368%Above	263
34	First National BankBank	Strong	Acceptable	Strong	Exceptional	$601Fees	0.602%Above	175
35	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,391Fees	0.459%Above	152
36	TD Bank, National AssociationBank	Strong	Sound	Sound	Strong	$783Fees	0.401%Above	138
37	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,196Fees	0.776%Above	136
38	Saco & Biddeford Savings InstitutionBank	Strong	Sound	Sound	Strong	$1,426Fees	0.258%Above	110
39	NORTHEAST CREDIT UNIONCredit Union	Strong	Sound	Sound	Strong	$997Fees	0.264%Above	94
40	DAS Acquisition Company, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,184Fees	0.156%Above	93
41	USAA Federal Savings BankBank	Strong	Sound	Sound	Strong	$2,067Fees	0.155%Below	86
42	Bar Harbor Bank & TrustBank	Strong	Sound	Sound	Strong	$1,333Fees	0.607%Above	82
43	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$1,616Fees	0.090%Below	74
44	SIS BANCORP, MHCIndependent Mortgage Company	Strong	Sound	Sound	Strong	$1,306Fees	0.289%Above	50
45	NORTHEAST HOME LOAN, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$1,683Fees	0.856%Above	38
46	SEABOARD FEDERAL CREDIT UNIONCredit Union	Strong	Sound	Sound	Strong	$548Fees	0.508%Above	38
47	NORWICH COMMERCIAL GROUP, INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	$1,823Fees	0.355%Above	35
48	SACO VALLEY CREDIT UNIONCredit Union	Strong	Sound	Sound	Strong	$774Fees	0.255%Above	34
49	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,365Fees	0.450%Above	352
50	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,081Fees	0.438%Above	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)

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.