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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 Bank Mortgage Lenders in Portland
Updated February 5, 2026
Market Overview
18
Total Lenders
1,668
Total Loans
0.07%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Bangor Savings Bank | Exceptional | Exceptional | Strong | Exceptional | $1,332 | -0.065% | 462 | |
2 | The Camden National Bank | Exceptional | Strong | Strong | Exceptional | $832 | +0.099% | 304 | |
3 | Androscoggin Savings Bank | Exceptional | Strong | Strong | Exceptional | $1,753 | +0.103% | 164 | |
4 | Bath Savings Institution | Exceptional | Strong | Strong | Exceptional | $1,275 | -0.436% | 104 | |
5 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | $306 | -0.456% | 24 | |
6 | Leader Bank, National Association | Exceptional | Exceptional | Strong | Sound | $1,079 | +0.080% | 21 | |
7 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $558 | +0.044% | 109 | |
8 | Norway Savings Bank | Strong | Strong | Sound | Strong | $1,042 | +0.218% | 46 | |
9 | Bank of America, National Association | Strong | Strong | Strong | Sound | $1,950 | -0.081% | 40 | |
10 | KeyBank National Association | Strong | Strong | Strong | Sound | $2,515 | +0.086% | 27 | |
11 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | $2,416 | +0.021% | 25 | |
12 | Manufacturers and Traders Trust Company | Strong | Strong | Strong | Sound | $1,868 | +0.050% | 22 | |
13 | Saco & Biddeford Savings Institution | Strong | Sound | Sound | Exceptional | $1,433 | +0.238% | 104 | |
14 | Kennebec Savings Bank | Strong | Sound | Strong | Strong | $0 | +0.591% | 36 | |
15 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,844 | -0.007% | 23 | |
16 | TD Bank, National Association | Strong | Sound | Sound | Strong | $653 | +0.344% | 55 | |
17 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $2,382 | +0.224% | 42 | |
18 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $2,263 | -0.130% | 25 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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