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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 Conventional Mortgage Bank Lenders in Maine
Updated February 6, 2026
Market Overview
21
Total Lenders
14,762
Total Loans
0.34%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Bangor Savings Bank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,277 | -0.104% | 1,178 | |
2 | Leader Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Sound | $1,148 | +0.042% | 35 | |
3 | The Camden National Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,038 | +0.079% | 647 | |
4 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $760 | +0.110% | 153 | |
5 | KeyBank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $2,124 | +0.234% | 112 | |
6 | Androscoggin Savings Bank | Exceptional | Strong | Sound | Strong | Exceptional | $1,847 | +0.124% | 240 | |
7 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $2,454 | -0.017% | 74 | |
8 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Sound | $299 | -0.433% | 39 | |
9 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,914 | +0.338% | 82 | |
10 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,524 | +0.115% | 45 | |
11 | Citizens Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,179 | +0.183% | 42 | |
12 | Kennebec Savings Bank | Strong | Sound | Strong | Sound | Exceptional | $59 | +0.582% | 388 | |
13 | Bath Savings Institution | Strong | Strong | Sound | Sound | Strong | $1,232 | -0.400% | 145 | |
14 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Sound | $1,679 | +0.105% | 31 | |
15 | TD Bank, National Association | Strong | Sound | Strong | Sound | Strong | $783 | +0.401% | 138 | |
16 | Norway Savings Bank | Strong | Strong | Sound | Acceptable | Strong | $1,005 | +0.271% | 110 | |
17 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Strong | $2,067 | -0.155% | 86 | |
18 | Bar Harbor Bank & Trust | Strong | Sound | Sound | Sound | Strong | $1,333 | +0.607% | 82 | |
19 | Machias Savings Bank | Strong | Acceptable | Sound | Sound | Exceptional | $1,275 | +0.361% | 179 | |
20 | First National Bank | Strong | Acceptable | Sound | Sound | Exceptional | $601 | +0.602% | 175 | |
21 | Saco & Biddeford Savings Institution | Strong | Sound | Sound | Acceptable | Strong | $1,426 | +0.258% | 110 |
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.
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