Safe Rate Rankings

Best Mortgage Company 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 Lenders40

Total Loans9,496

Median Rate Spread0.44%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	MEGASTAR FINANCIAL CORP.Independent Mortgage Company	Exceptional	Exceptional	Strong	Sound	$7,395Credit	0.242%Above	37
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,431Fees	0.368%Above	1,309
3	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,309Fees	0.415%Above	1,169
4	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,750Fees	0.370%Above	1,122
5	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,307Fees	0.448%Above	1,010
6	CUSO MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Sound	Exceptional	$1,605Fees	0.282%Above	255
7	HARBORONE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,279Fees	0.264%Above	198
8	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,265Fees	0.281%Above	157
9	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$1,882Fees	0.296%Above	128
10	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,067Fees	0.559%Above	122
11	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Sound	$1,828Fees	0.347%Above	54
12	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,945Fees	0.212%Above	376
13	NORTHPOINT MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$2,714Fees	0.368%Above	263
14	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,391Fees	0.459%Above	152
15	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,196Fees	0.776%Above	136
16	DAS Acquisition Company, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,184Fees	0.156%Above	93
17	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$1,616Fees	0.090%Below	74
18	SIS BANCORP, MHCIndependent Mortgage Company	Strong	Sound	Sound	Strong	$1,306Fees	0.289%Above	50
19	NORTHEAST HOME LOAN, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$1,683Fees	0.856%Above	38
20	NORWICH COMMERCIAL GROUP, INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	$1,823Fees	0.355%Above	35
21	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,365Fees	0.450%Above	352
22	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,081Fees	0.438%Above	253
23	LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,878Fees	0.594%Above	197
24	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,686Fees	0.628%Above	135
25	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,699Fees	0.398%Above	124
26	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Sound	Sound	$1,871Fees	0.009%Below	57
27	TOTAL MORTGAGE SERVICES, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$3,621Fees	0.580%Above	260
28	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$2,041Fees	0.441%Above	229
29	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$2,430Fees	0.372%Above	178
30	KIND LENDING, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,060Fees	0.293%Above	67
31	EMBRACE HOME LOANS, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,393Fees	0.198%Above	62
32	EMM LOANS LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,105Fees	0.513%Above	50
33	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$4,369Fees	0.336%Above	34
34	NORTHERN MORTGAGE SERVICES, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$1,446Fees	0.723%Above	34
35	HOMEBRIDGE FINANCIAL SERVICES, INC.Independent Mortgage Company	Sound	Acceptable	Sound	Sound	$2,603Fees	0.542%Above	40
36	ENVOY MORTGAGE, LTDIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$4,500Fees	0.460%Above	35
37	CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$5,604Fees	0.320%Above	34
38	NextMortgage, LLCIndependent Mortgage Company	Sound	Mediocre	Acceptable	Strong	$2,633Fees	0.684%Above	45
39	NEW DAY FINANCIAL, LLCIndependent Mortgage Company	Sound	Mediocre	Acceptable	Sound	$5,532Fees	1.350%Above	56
40	AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Acceptable	Sound	$3,349Fees	0.624%Above	53

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.