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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 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	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	Bangor Savings Bank	Exceptional	Exceptional	Exceptional	Strong	Exceptional	$1,277	-0.104%	1,178
2	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Strong	$425	-0.356%	138
3	Leader Bank, National Association	Exceptional	Exceptional	Exceptional	Strong	Sound	$1,148	+0.042%	35
4	The Camden National Bank	Exceptional	Strong	Strong	Strong	Exceptional	$1,038	+0.079%	647
5	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Strong	$760	+0.110%	153
6	TOWN & COUNTRY FEDERAL CREDIT UNION	Exceptional	Exceptional	Sound	Strong	Strong	$473	-0.052%	153
7	KeyBank National Association	Exceptional	Strong	Exceptional	Strong	Strong	$2,124	+0.234%	112
8	Androscoggin Savings Bank	Exceptional	Strong	Sound	Strong	Exceptional	$1,847	+0.124%	240
9	Bank of America, National Association	Exceptional	Strong	Exceptional	Strong	Sound	$2,454	-0.017%	74
10	Morgan Stanley Private Bank, National Association	Exceptional	Exceptional	Strong	Sound	Sound	$299	-0.433%	39
11	NORTHEAST HOME LOAN, LLC	Exceptional	Strong	Strong	Exceptional	Sound	$1,683	+0.856%	38
12	MEGASTAR FINANCIAL CORP.	Exceptional	Exceptional	Strong	Sound	Sound	-$7,395	+0.242%	37
13	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,431	+0.368%	1,309
14	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,307	+0.448%	1,010
15	HARBORONE MORTGAGE, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,279	+0.264%	198
16	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,265	+0.281%	157
17	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Strong	$2,914	+0.338%	82
18	Wells Fargo Bank, National Association	Strong	Strong	Exceptional	Sound	Sound	$2,524	+0.115%	45
19	Citizens Bank, National Association	Strong	Strong	Exceptional	Sound	Sound	$2,179	+0.183%	42
20	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,309	+0.415%	1,169
21	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,750	+0.370%	1,122
22	Kennebec Savings Bank	Strong	Sound	Strong	Sound	Exceptional	$59	+0.582%	388
23	CUSO MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Exceptional	$1,605	+0.282%	255
24	Bath Savings Institution	Strong	Strong	Sound	Sound	Strong	$1,232	-0.400%	145
25	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Sound	$1,871	-0.009%	57
26	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Sound	$1,828	+0.347%	54
27	Empeople Credit Union	Strong	Strong	Strong	Sound	Sound	$1,137	-0.307%	38
28	Manufacturers and Traders Trust Company	Strong	Sound	Exceptional	Strong	Sound	$1,679	+0.105%	31
29	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$2,945	+0.212%	376
30	NORTHPOINT MORTGAGE, INC.	Strong	Acceptable	Strong	Strong	Exceptional	$2,714	+0.368%	263
31	TOTAL MORTGAGE SERVICES, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,621	+0.580%	260
32	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,081	+0.438%	253
33	LEADERONE FINANCIAL CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$2,878	+0.594%	197
34	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,391	+0.459%	152
35	TD Bank, National Association	Strong	Sound	Strong	Sound	Strong	$783	+0.401%	138
36	T2 FINANCIAL LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,196	+0.776%	136
37	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$3,686	+0.628%	135
38	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$1,882	+0.296%	128
39	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,699	+0.398%	124
40	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$2,067	+0.559%	122
41	DAS Acquisition Company, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,184	+0.156%	93
42	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Sound	$1,616	-0.090%	74
43	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,041	+0.441%	229
44	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,430	+0.372%	178
45	NORTHEAST CREDIT UNION	Strong	Sound	Sound	Sound	Strong	$997	+0.264%	94
46	Bar Harbor Bank & Trust	Strong	Sound	Sound	Sound	Strong	$1,333	+0.607%	82
47	KIND LENDING, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,060	+0.293%	67
48	Maine Savings Federal Credit Union	Strong	Sound	Sound	Sound	Strong	$1,116	+0.610%	61
49	EMM LOANS LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,105	+0.513%	50
50	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Sound	Strong	$1,365	+0.450%	352

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.

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