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Top-rated mortgage lenders in Maine (2025)

Lenders with the highest composite grade: approval odds, pricing, process and closing costs, each ranked against peers of the same kind and size.

57kApplications in ME
20.1%State decision denial rate
6.88%State median rate
Top-rated mortgage lenders Best approval odds Lowest median interest rates Largest mortgage lenders by volume Top FHA lenders Top VA lenders Top refinance lenders Top home equity lenders
Maine ▾
United States Alabama592 Alaska140 Arizona630 Arkansas426 California819 Colorado629 Delaware333 District of Columbia255 Florida1132 Georgia782 Guam3 Hawaii198 Idaho344 Illinois778 Indiana651 Iowa435 Kansas425 Kentucky498 Louisiana435 Maine294 Maryland548 Massachusetts535 Michigan610 Minnesota552 Mississippi356 Missouri607 Montana242 Nebraska315 Nevada380 New Hampshire335 New Jersey618 New Mexico318 New York526 North Carolina765 North Dakota164 Ohio726 Oklahoma504 Oregon444 Pennsylvania798 Puerto Rico60 Rhode Island255 South Carolina661 South Dakota179 Tennessee755 Texas1101 Utah345 Vermont155 Virginia662 Washington539 West Virginia331 Wisconsin593 Wyoming197
#LenderGradeGradeApplicationsDenial rateMedian rate
1 Acadia Federal Credit UnionFort Kent, ME A 93.0 score 235 0.9% 7.75%
2 SEBASTICOOK VALLEY Federal Credit UnionPittsfield, ME A 92.8 score 141 1.4% —
3 First Federal Savings and Loan Association of BathBath, ME A 80.3 score 122 2.5% —
4 Androscoggin Savings BankLewiston, ME A 77.4 score 456 2.0% 6.63%
5 Movement MortgageLancaster, SC A 75.4 score 112 3.6% 6.99%
6 CMG MortgageSan Ramon, CA A 73.7 score 2,251 4.2% 6.63%
7 Guild MortgageSan Diego, CA A 70.8 score 1,838 5.3% 6.63%
8 The Camden National BankCamden, ME A 68.1 score 2,559 13.2% 6.99%
9 United Shore Financial ServicesPlymouth, MI B 67.5 score 2,675 9.1% 6.50%
10 Northpoint MortgageSturbridge, MA A 67.4 score 431 2.6% 6.63%
11 Embrace Home LoansMiddletown, RI A 65.3 score 106 9.4% 6.50%
12 JPMorgan Chase BankColumbus, OH B 65.3 score 279 13.3% 6.38%
13 T2 FinancialWesterville, OH B 64.7 score 265 5.3% 6.63%
14 Fairway Independent MortgageMadison, WI B 64.5 score 509 3.5% 6.63%
15 Guaranteed RateChicago, IL B 62.3 score 500 5.8% 6.50%
16 Affordable Mortgage Advisors, LLC.Pittsburgh, PA B 61.5 score 162 0.0% 6.25%
17 Paramount Residential Mortgage GroupCorona, CA B 61.3 score 215 5.1% 6.63%
18 Harborone MortgageBrockton, MA B 60.0 score 124 4.8% 6.63%
19 Norway Savings BankNorway, ME B 59.3 score 928 15.4% 7.25%
20 DAS Acquisition CompanySt. Louis, MO B 58.5 score 149 7.4% 6.63%
21 Bangor Savings BankBangor, ME B 57.8 score 4,518 17.2% 7.25%
22 Maine Savings Federal Credit UnionHampden, B 57.4 score 889 18.8% 7.25%
23 Freedom MortgageBoca Raton, FL B 56.7 score 749 7.6% 6.25%
24 Crosscountry MortgageCleveland, OH B 56.5 score 601 4.2% 6.63%
25 Kennebec Savings BankAugusta, ME B 54.6 score 1,493 9.6% 7.00%
26 Wells Fargo BankCharlotte, NC B 54.4 score 131 13.0% 6.38%
27 Homebridge Financial ServicesIselin, NJ B 54.4 score 161 14.9% 9.54%
28 Total Mortgage ServicesMilford, CT B 53.5 score 441 3.6% 6.88%
29 Luminate BankMinneapolis, MN B 51.6 score 116 0.9% 6.50%
30 Sis Bancorp, MHCSanford, ME B 51.5 score 296 8.5% 7.50%
31 CportPortland, ME B 51.3 score 184 7.6% —
32 Mortgage Research CenterColumbia, MO C 50.8 score 1,104 17.6% 6.25%
33 Manufacturers and Traders TrustBuffalo, NY C 49.2 score 250 28.4% 5.99%
34 USAA Federal Savings BankPhoenix, AZ C 48.6 score 206 23.3% 6.31%
35 First National BankDamariscotta, ME C 48.3 score 909 8.8% 7.50%
36 Empeople Credit UnionMoline, IL C 48.0 score 485 33.4% 6.49%
37 Pennymac Loan ServicesWestlake Village, CA C 47.0 score 654 12.5% 6.50%
38 Saco & Biddeford Savings InstitutionSaco, ME C 46.5 score 276 6.9% —
39 Kind LendingIrvine, CA C 45.5 score 118 21.2% 6.63%
40 Coastal Community BankEverett, WA C 45.3 score 511 2.7% 10.49%
41 Cumberland CountyFalmouth, ME C 44.2 score 310 11.6% 6.63%
42 Rocket MortgagePlymouth, MI C 43.7 score 2,628 22.9% 6.75%
43 Service Federal Credit UnionPortsmouth, NH C 43.5 score 203 23.2% 6.49%
44 KeyBankCleveland, OH C 43.4 score 413 27.9% 7.50%
45 Mutual of Omaha MortgageSan Diego, CA C 39.2 score 266 16.9% 6.38%
46 Village Capital & InvestmentHenderson, NV C 38.7 score 108 16.7% 5.87%
47 Lakeview Loan ServicingCoral Gables, FL C 37.9 score 313 45.1% 6.25%
48 Truchoice Federal Credit UnionSouth Portland, ME C 37.6 score 308 7.1% 7.50%
49 The Federal Savings BankChicago, IL C 36.7 score 119 12.6% 6.38%
50 Maine FamilyLewiston, ME C 36.3 score 116 24.1% 6.38%

How this list is built

Lenders are ordered by composite grade score: approval odds (45%), pricing (30%), process (15%) and closing costs (10%), each a percentile rank against peers of the same product type and size. A lender needs at least 100 decided applications in 2025 to be graded. All figures come from the lenders' own HMDA filings. Full methodology.