Safe Rate Rankings

Best USDA 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.
Total Lenders117
Total Loans14,762
Median Rate Spread0.34%

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RankLenderOverallPricingProductPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
Bangor Savings BankBank
Exceptional
Exceptional
Exceptional
Strong
Exceptional
$1,277Fees
0.104%Below
1,178
2
Machias Savings BankBank
Exceptional
Exceptional
Strong
Strong
Exceptional
$1,275Fees
0.361%Above
179
3
UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company
Exceptional
Strong
Exceptional
Strong
Exceptional
$2,431Fees
0.368%Above
1,309
4
GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company
Exceptional
Strong
Exceptional
Strong
Exceptional
$2,750Fees
0.370%Above
1,122
5
NEWREZ LLCIndependent Mortgage Company
Exceptional
Strong
Exceptional
Strong
Strong
$2,430Fees
0.372%Above
178
6
CMG MORTGAGE, INC.Independent Mortgage Company
Exceptional
Sound
Exceptional
Strong
Exceptional
$2,309Fees
0.415%Above
1,169
7
The Camden National BankBank
Exceptional
Strong
Strong
Sound
Exceptional
$1,038Fees
0.079%Above
647
8
CUSO MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Sound
Strong
Sound
Exceptional
$1,605Fees
0.282%Above
255
9
NORTHPOINT MORTGAGE, INC.Independent Mortgage Company
Strong
Acceptable
Strong
Strong
Exceptional
$2,714Fees
0.368%Above
263
10
FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Mediocre
Exceptional
Strong
Strong
$2,945Fees
0.212%Above
376
11
CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company
Strong
Mediocre
Exceptional
Strong
Strong
$3,081Fees
0.438%Above
253
12
DAS Acquisition Company, LLCIndependent Mortgage Company
Strong
Mediocre
Exceptional
Strong
Strong
$3,184Fees
0.156%Above
93

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.