Safe Rate Rankings

Best Jumbo Mortgage Bank 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 Lenders18

Total Loans14,762

Median Rate Spread0.34%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	U.S. Bank National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$760Fees	0.110%Above	153
2	Bank of America, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Sound	$2,454Fees	0.017%Below	74
3	Wells Fargo Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Sound	$2,524Fees	0.115%Above	45
4	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Sound	$299Fees	0.433%Below	39
5	The Camden National BankBank	Exceptional	Strong	Strong	Strong	Exceptional	$1,038Fees	0.079%Above	647
6	Androscoggin Savings BankBank	Exceptional	Strong	Strong	Strong	Exceptional	$1,847Fees	0.124%Above	240
7	Bath Savings InstitutionBank	Exceptional	Strong	Strong	Strong	Strong	$1,232Fees	0.400%Below	145
8	Citizens Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$2,179Fees	0.183%Above	42
9	Manufacturers and Traders Trust CompanyBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,679Fees	0.105%Above	31
10	Bangor Savings BankBank	Strong	Sound	Strong	Strong	Exceptional	$1,277Fees	0.104%Below	1,178
11	TD Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$783Fees	0.401%Above	138
12	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,914Fees	0.338%Above	82
13	Kennebec Savings BankBank	Strong	Sound	—	Strong	Exceptional	$59Fees	0.582%Above	388
14	Saco & Biddeford Savings InstitutionBank	Strong	Sound	Strong	Strong	Strong	$1,426Fees	0.258%Above	110
15	Norway Savings BankBank	Strong	Strong	Sound	Sound	Strong	$1,005Fees	0.271%Above	110
16	Machias Savings BankBank	Strong	Sound	—	Sound	Exceptional	$1,275Fees	0.361%Above	179
17	First National BankBank	Strong	Acceptable	Sound	Strong	Exceptional	$601Fees	0.602%Above	175
18	Bar Harbor Bank & TrustBank	Strong	Sound	Sound	Acceptable	Strong	$1,333Fees	0.607%Above	82

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.