Top Mortgage Lenders in Portland, ME

Which mortgage lender in the Portland, ME area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Portland, ME area by interest rate and market share. Unlike our competitors, we maintain independence by not accepting any compensation from the mortgage lenders we rank. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Portland, ME area in terms of interest rate is CUSO Mortgage Corporation, with an average “Rate Difference” of -0.23%. This means that, comparing similar borrowers, CUSO Mortgage Corporation provided a -0.23% lower interest rate for its customers than other lenders in the area. CUSO Mortgage Corporation has a market share of 1.7%. On the other hand, the most popular lender in the Portland, ME area is Residential Mortgage Services, with a larger market share of 13.0%. Residential Mortgage Services is an average lender in terms of the interest rate it offers, with a “Rate Difference” of -0.02% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Portland, ME area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Portland, ME is CUSO Mortgage Corporation. If you want to take out a loan that is above conforming limits (for example, above $548,250 in 2021), the cheapest Jumbo mortgage provider is Bank of America. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is CMG Financial. The cheapest VA mortgage provider is Navy Federal Credit Union. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Portland, ME

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
CUSO Mortgage Corporation-0.23%(4.5)1.65%
Bangor Savings Bank-0.22%(4.5)8.09%
Bank of America-0.14%(4.0)1.58%
Northeast Home Loan-0.12%(4.0)1.08%
HarborOne Mortgage-0.12%(4.0)2.27%
CMG Financial-0.11%(4.0)2.14%
Bar Harbor Bank & Trust-0.08%(4.0)0.27%
Servion-0.07%(4.0)0.38%
People’s United Bank-0.05%(4.0)0.43%
NewRez-0.05%(3.5)0.27%
Amerisave Mortgage Corporation-0.05%(3.5)0.35%
TD Bank-0.04%(3.5)2.48%
Flagstar Bank-0.04%(3.5)0.44%
Caliber Home Loans-0.04%(3.5)2.25%
emmloans-0.04%(3.5)0.67%
USAA-0.04%(3.5)1.36%
KeyBank-0.03%(3.5)4.06%
Five County Credit Union-0.03%(3.5)0.64%
First National Bank Maine-0.02%(3.5)2.57%
Mortgage Network, Inc-0.02%(3.5)3.11%
Navy Federal Credit Union-0.02%(3.5)0.91%
Carrington Mortgage Services-0.02%(3.5)0.66%
Wells Fargo Bank-0.02%(3.5)1.15%
Residential Mortgage Services-0.02%(3.5)12.95%
JPMorgan Chase Bank-0.02%(3.5)0.93%
Integrity Mortgage-0.01%(3.5)1.16%
Lakeview Loan Servicing-0.01%(3.5)0.57%
Cumberland County Federal Credit Union-0.00%(3.5)0.50%
US Bank0.00%(3.5)0.32%
Norwich Commercial Group Inc0.00%(3.5)0.89%
HomeBridge Financial Services0.00%(3.5)0.54%
Maine Savings Federal Credit Union0.00%(3.5)0.45%
Guaranteed Rate0.01%(3.5)0.65%
University Credit Union Maine0.01%(3.5)0.61%
PennyMac Loan Services0.02%(3.5)0.48%
Bath Savings0.02%(3.5)1.79%
loanDepot0.02%(3.5)2.02%
Northpoint Mortgage0.03%(3.5)1.82%
Fairway Independent Mortgage Corporation0.04%(3.5)1.96%
Megastar Financial Corporation0.04%(3.5)0.40%
Academy Mortgage Corporation Utah0.04%(3.5)2.71%
Camden National Bank0.05%(3.5)6.40%
Machias Savings Bank0.06%(3.0)0.45%
Movement Mortgage0.06%(3.0)0.29%
LeaderOne Financial Corporation0.06%(3.0)0.64%
Total Mortgage Services0.07%(3.0)0.75%
Reliance First Capital0.08%(3.0)0.38%
DAS Acquisition Company0.08%(3.0)1.95%
Freedom Mortgage Corporation0.09%(3.0)0.36%
Town & Country Federal Credit Union0.09%(3.0)1.87%
Mr. Cooper0.10%(3.0)1.38%
Primary Residential Mortgage Inc0.11%(3.0)0.62%
Embrace Home Loans0.14%(3.0)2.30%
Evergreen Credit Union0.14%(3.0)1.08%
Quicken Loans0.14%(3.0)9.27%
NewDay USA0.22%(2.5)0.27%
Atlantic FCU0.32%(2.0)2.41%
Lender NameRate DifferenceRate RatingMarket Share
CUSO Mortgage Corporation-0.16%(4.5)1.40%
Bank of America-0.16%(4.5)1.67%
Bangor Savings Bank-0.15%(4.0)8.90%
CMG Financial-0.13%(4.0)3.26%
TD Bank-0.11%(4.0)1.96%
Maine Savings Federal Credit Union-0.10%(4.0)0.41%
Northeast Home Loan-0.10%(4.0)1.13%
HarborOne Mortgage-0.10%(4.0)2.47%
Wells Fargo Bank-0.08%(4.0)1.04%
Flagstar Bank-0.07%(4.0)0.59%
Five County Credit Union-0.07%(4.0)0.69%
People’s United Bank-0.06%(4.0)0.41%
Bar Harbor Bank & Trust-0.05%(4.0)0.23%
Servion-0.05%(4.0)0.32%
emmloans-0.05%(4.0)0.78%
Navy Federal Credit Union-0.04%(3.5)1.25%
USAA-0.03%(3.5)1.84%
Caliber Home Loans-0.03%(3.5)2.46%
JPMorgan Chase Bank-0.02%(3.5)0.59%
US Bank-0.02%(3.5)0.26%
Mortgage Network, Inc-0.01%(3.5)3.65%
Residential Mortgage Services-0.01%(3.5)17.46%
PennyMac Loan Services-0.01%(3.5)0.11%
Cumberland County Federal Credit Union-0.00%(3.5)0.39%
Reliance First Capital-0.00%(3.5)0.03%
HomeBridge Financial Services-0.00%(3.5)0.81%
Camden National Bank-0.00%(3.5)6.82%
NewRez-0.00%(3.5)0.12%
Lakeview Loan Servicing0.00%(3.5)0.21%
Freedom Mortgage Corporation0.00%(3.5)0.05%
KeyBank0.01%(3.5)1.72%
First National Bank Maine0.01%(3.5)2.40%
Integrity Mortgage0.01%(3.5)1.16%
Norwich Commercial Group Inc0.02%(3.5)1.09%
loanDepot0.02%(3.5)0.89%
Megastar Financial Corporation0.03%(3.5)0.45%
NewDay USA0.03%(3.5)0.05%
Fairway Independent Mortgage Corporation0.04%(3.5)2.88%
Guaranteed Rate0.04%(3.5)0.65%
Northpoint Mortgage0.04%(3.5)2.67%
Amerisave Mortgage Corporation0.04%(3.5)0.09%
Mr. Cooper0.04%(3.5)0.71%
Carrington Mortgage Services0.05%(3.0)0.17%
Evergreen Credit Union0.05%(3.0)0.38%
University Credit Union Maine0.06%(3.0)0.63%
Movement Mortgage0.07%(3.0)0.39%
Academy Mortgage Corporation Utah0.07%(3.0)3.26%
Total Mortgage Services0.07%(3.0)1.03%
LeaderOne Financial Corporation0.07%(3.0)0.89%
Bath Savings0.08%(3.0)1.87%
Machias Savings Bank0.08%(3.0)0.47%
DAS Acquisition Company0.09%(3.0)2.96%
Primary Residential Mortgage Inc0.12%(3.0)0.92%
Quicken Loans0.12%(3.0)4.36%
Town & Country Federal Credit Union0.13%(3.0)0.94%
Embrace Home Loans0.17%(2.5)3.09%
Atlantic FCU0.34%(2.0)2.58%
Lender NameRate DifferenceRate RatingMarket Share
Bangor Savings Bank-0.35%(5.0)6.99%
CUSO Mortgage Corporation-0.29%(5.0)1.99%
HarborOne Mortgage-0.15%(4.5)1.99%
Northeast Home Loan-0.15%(4.0)1.01%
Bank of America-0.11%(4.0)1.46%
Bar Harbor Bank & Trust-0.11%(4.0)0.32%
Servion-0.08%(4.0)0.47%
Residential Mortgage Services-0.08%(4.0)6.91%
University Credit Union Maine-0.06%(4.0)0.57%
First National Bank Maine-0.06%(4.0)2.80%
Bath Savings-0.06%(4.0)1.68%
Northpoint Mortgage-0.06%(4.0)0.67%
NewRez-0.06%(4.0)0.47%
Mortgage Network, Inc-0.06%(4.0)2.39%
Caliber Home Loans-0.06%(4.0)1.97%
Amerisave Mortgage Corporation-0.06%(4.0)0.71%
USAA-0.05%(4.0)0.71%
Integrity Mortgage-0.05%(3.5)1.15%
Norwich Commercial Group Inc-0.04%(3.5)0.63%
KeyBank-0.04%(3.5)7.21%
People’s United Bank-0.04%(3.5)0.47%
Carrington Mortgage Services-0.03%(3.5)1.32%
Guaranteed Rate-0.03%(3.5)0.65%
Academy Mortgage Corporation Utah-0.01%(3.5)1.97%
CMG Financial-0.01%(3.5)0.63%
emmloans-0.01%(3.5)0.53%
Lakeview Loan Servicing-0.01%(3.5)1.05%
JPMorgan Chase Bank-0.01%(3.5)1.40%
Cumberland County Federal Credit Union-0.00%(3.5)0.65%
LeaderOne Financial Corporation0.01%(3.5)0.30%
TD Bank0.01%(3.5)3.18%
Movement Mortgage0.02%(3.5)0.14%
US Bank0.02%(3.5)0.41%
HomeBridge Financial Services0.02%(3.5)0.18%
Machias Savings Bank0.02%(3.5)0.43%
Fairway Independent Mortgage Corporation0.02%(3.5)0.73%
Navy Federal Credit Union0.02%(3.5)0.45%
loanDepot0.02%(3.5)3.55%
PennyMac Loan Services0.03%(3.5)0.99%
DAS Acquisition Company0.03%(3.5)0.61%
Wells Fargo Bank0.04%(3.5)1.30%
Embrace Home Loans0.04%(3.5)1.24%
Five County Credit Union0.05%(3.5)0.57%
Megastar Financial Corporation0.05%(3.0)0.32%
Primary Residential Mortgage Inc0.06%(3.0)0.22%
Flagstar Bank0.06%(3.0)0.24%
Total Mortgage Services0.06%(3.0)0.38%
Town & Country Federal Credit Union0.08%(3.0)3.12%
Reliance First Capital0.08%(3.0)0.85%
Freedom Mortgage Corporation0.10%(3.0)0.79%
Maine Savings Federal Credit Union0.12%(3.0)0.51%
Camden National Bank0.12%(3.0)5.83%
Mr. Cooper0.13%(3.0)2.29%
Quicken Loans0.15%(2.5)15.86%
Evergreen Credit Union0.17%(2.5)2.03%
NewDay USA0.24%(2.5)0.57%
Atlantic FCU0.31%(2.0)2.19%
Lender NameRate DifferenceRate RatingMarket Share
CUSO Mortgage Corporation-0.25%(5.0)1.90%
Bangor Savings Bank-0.24%(4.5)9.03%
Bank of America-0.15%(4.5)1.82%
HarborOne Mortgage-0.14%(4.0)2.35%
Northeast Home Loan-0.13%(4.0)1.35%
CMG Financial-0.08%(4.0)1.65%
Bar Harbor Bank & Trust-0.08%(4.0)0.36%
Servion-0.07%(4.0)0.49%
People’s United Bank-0.07%(4.0)0.46%
NewRez-0.06%(4.0)0.28%
Amerisave Mortgage Corporation-0.05%(4.0)0.42%
Carrington Mortgage Services-0.05%(3.5)0.21%
TD Bank-0.04%(3.5)3.05%
Residential Mortgage Services-0.03%(3.5)11.01%
emmloans-0.03%(3.5)0.72%
KeyBank-0.03%(3.5)5.23%
Mortgage Network, Inc-0.03%(3.5)3.09%
Five County Credit Union-0.03%(3.5)0.85%
First National Bank Maine-0.03%(3.5)3.26%
Caliber Home Loans-0.02%(3.5)2.08%
Wells Fargo Bank-0.02%(3.5)1.28%
JPMorgan Chase Bank-0.02%(3.5)1.16%
Integrity Mortgage-0.01%(3.5)1.49%
Norwich Commercial Group Inc-0.01%(3.5)1.00%
Cumberland County Federal Credit Union-0.00%(3.5)0.67%
Guaranteed Rate-0.00%(3.5)0.67%
US Bank0.00%(3.5)0.36%
HomeBridge Financial Services0.00%(3.5)0.29%
Maine Savings Federal Credit Union0.00%(3.5)0.61%
Fairway Independent Mortgage Corporation0.00%(3.5)1.65%
loanDepot0.01%(3.5)1.61%
Lakeview Loan Servicing0.01%(3.5)0.40%
USAA0.01%(3.5)0.86%
University Credit Union Maine0.01%(3.5)0.82%
Bath Savings0.02%(3.5)2.25%
Northpoint Mortgage0.02%(3.5)2.09%
DAS Acquisition Company0.03%(3.5)1.26%
PennyMac Loan Services0.04%(3.5)0.23%
LeaderOne Financial Corporation0.05%(3.5)0.50%
Megastar Financial Corporation0.06%(3.0)0.29%
Academy Mortgage Corporation Utah0.06%(3.0)2.52%
Machias Savings Bank0.06%(3.0)0.54%
Freedom Mortgage Corporation0.06%(3.0)0.18%
Flagstar Bank0.07%(3.0)0.19%
Camden National Bank0.08%(3.0)6.48%
Total Mortgage Services0.09%(3.0)0.77%
Movement Mortgage0.09%(3.0)0.20%
Town & Country Federal Credit Union0.09%(3.0)2.51%
Primary Residential Mortgage Inc0.10%(3.0)0.47%
Navy Federal Credit Union0.13%(3.0)0.57%
Embrace Home Loans0.14%(3.0)1.96%
Reliance First Capital0.14%(3.0)0.27%
Evergreen Credit Union0.15%(3.0)1.44%
Mr. Cooper0.15%(2.5)0.84%
Quicken Loans0.19%(2.5)8.77%
Atlantic FCU0.33%(2.0)3.23%
Lender NameRate DifferenceRate RatingMarket Share
CUSO Mortgage Corporation-0.20%(4.5)1.45%
Bank of America-0.19%(4.5)1.93%
Bangor Savings Bank-0.15%(4.5)10.18%
HarborOne Mortgage-0.13%(4.0)2.55%
TD Bank-0.13%(4.0)2.48%
Northeast Home Loan-0.12%(4.0)1.51%
Maine Savings Federal Credit Union-0.11%(4.0)0.59%
CMG Financial-0.10%(4.0)2.57%
Wells Fargo Bank-0.10%(4.0)1.16%
Five County Credit Union-0.08%(4.0)0.99%
People’s United Bank-0.07%(4.0)0.48%
Servion-0.06%(4.0)0.42%
Bar Harbor Bank & Trust-0.06%(4.0)0.33%
emmloans-0.05%(4.0)0.83%
JPMorgan Chase Bank-0.04%(3.5)0.75%
US Bank-0.03%(3.5)0.26%
HomeBridge Financial Services-0.01%(3.5)0.46%
Residential Mortgage Services-0.01%(3.5)14.33%
Mortgage Network, Inc-0.01%(3.5)3.73%
Caliber Home Loans-0.01%(3.5)2.59%
Cumberland County Federal Credit Union-0.01%(3.5)0.57%
Fairway Independent Mortgage Corporation-0.01%(3.5)2.48%
NewRez-0.01%(3.5)0.13%
Reliance First Capital-0.00%(3.5)0.02%
loanDepot-0.00%(3.5)0.81%
PennyMac Loan Services-0.00%(3.5)0.09%
Freedom Mortgage Corporation-0.00%(3.5)0.02%
First National Bank Maine0.01%(3.5)3.29%
KeyBank0.01%(3.5)2.24%
Norwich Commercial Group Inc0.01%(3.5)1.32%
Integrity Mortgage0.01%(3.5)1.58%
Lakeview Loan Servicing0.01%(3.5)0.24%
USAA0.01%(3.5)1.36%
DAS Acquisition Company0.02%(3.5)1.87%
Guaranteed Rate0.02%(3.5)0.61%
Camden National Bank0.02%(3.5)6.80%
Mr. Cooper0.03%(3.5)0.24%
Northpoint Mortgage0.04%(3.5)3.27%
Carrington Mortgage Services0.04%(3.5)0.02%
Amerisave Mortgage Corporation0.04%(3.5)0.13%
Flagstar Bank0.05%(3.0)0.18%
Evergreen Credit Union0.05%(3.0)0.53%
LeaderOne Financial Corporation0.05%(3.0)0.75%
Megastar Financial Corporation0.06%(3.0)0.29%
University Credit Union Maine0.06%(3.0)0.92%
Bath Savings0.08%(3.0)2.52%
Total Mortgage Services0.09%(3.0)1.05%
Machias Savings Bank0.09%(3.0)0.59%
Movement Mortgage0.10%(3.0)0.31%
Academy Mortgage Corporation Utah0.11%(3.0)2.94%
Primary Residential Mortgage Inc0.11%(3.0)0.68%
Town & Country Federal Credit Union0.13%(3.0)1.34%
Navy Federal Credit Union0.14%(3.0)0.81%
Embrace Home Loans0.16%(2.5)2.66%
Quicken Loans0.17%(2.5)4.02%
Atlantic FCU0.34%(2.0)3.71%
Lender NameRate DifferenceRate RatingMarket Share
Bangor Savings Bank-0.37%(5.0)7.72%
CUSO Mortgage Corporation-0.29%(5.0)2.42%
HarborOne Mortgage-0.17%(4.5)2.12%
Northeast Home Loan-0.15%(4.5)1.17%
Bank of America-0.11%(4.0)1.69%
Bar Harbor Bank & Trust-0.10%(4.0)0.40%
Residential Mortgage Services-0.09%(4.0)7.25%
Servion-0.08%(4.0)0.57%
NewRez-0.07%(4.0)0.45%
Mortgage Network, Inc-0.07%(4.0)2.37%
First National Bank Maine-0.07%(4.0)3.21%
Bath Savings-0.06%(4.0)1.94%
Northpoint Mortgage-0.06%(4.0)0.75%
Amerisave Mortgage Corporation-0.06%(4.0)0.75%
People’s United Bank-0.06%(4.0)0.42%
University Credit Union Maine-0.06%(4.0)0.70%
Caliber Home Loans-0.06%(4.0)1.49%
Norwich Commercial Group Inc-0.05%(4.0)0.65%
Carrington Mortgage Services-0.04%(3.5)0.42%
Integrity Mortgage-0.04%(3.5)1.39%
KeyBank-0.04%(3.5)8.62%
Guaranteed Rate-0.03%(3.5)0.72%
USAA-0.02%(3.5)0.30%
Academy Mortgage Corporation Utah-0.01%(3.5)2.04%
LeaderOne Financial Corporation-0.01%(3.5)0.22%
CMG Financial-0.01%(3.5)0.60%
JPMorgan Chase Bank-0.01%(3.5)1.62%
emmloans-0.00%(3.5)0.60%
Cumberland County Federal Credit Union0.00%(3.5)0.77%
Lakeview Loan Servicing0.02%(3.5)0.57%
TD Bank0.02%(3.5)3.69%
loanDepot0.02%(3.5)2.52%
US Bank0.02%(3.5)0.47%
Fairway Independent Mortgage Corporation0.02%(3.5)0.70%
Machias Savings Bank0.03%(3.5)0.47%
Movement Mortgage0.03%(3.5)0.07%
HomeBridge Financial Services0.04%(3.5)0.10%
Five County Credit Union0.05%(3.0)0.70%
DAS Acquisition Company0.05%(3.0)0.57%
Wells Fargo Bank0.05%(3.0)1.42%
Embrace Home Loans0.05%(3.0)1.17%
PennyMac Loan Services0.06%(3.0)0.40%
Megastar Financial Corporation0.06%(3.0)0.30%
Primary Residential Mortgage Inc0.07%(3.0)0.22%
Total Mortgage Services0.07%(3.0)0.45%
Freedom Mortgage Corporation0.08%(3.0)0.35%
Town & Country Federal Credit Union0.09%(3.0)3.84%
Navy Federal Credit Union0.09%(3.0)0.30%
Flagstar Bank0.10%(3.0)0.20%
Maine Savings Federal Credit Union0.12%(3.0)0.62%
Camden National Bank0.15%(3.0)6.10%
Reliance First Capital0.15%(2.5)0.55%
Evergreen Credit Union0.17%(2.5)2.47%
Mr. Cooper0.18%(2.5)1.52%
Quicken Loans0.20%(2.5)14.17%
Atlantic FCU0.31%(2.0)2.69%
Lender NameRate DifferenceRate RatingMarket Share
CMG Financial-0.18%(4.5)4.47%
Bangor Savings Bank-0.15%(4.0)3.77%
Flagstar Bank-0.13%(4.0)1.57%
Caliber Home Loans-0.09%(4.0)2.26%
Camden National Bank-0.09%(4.0)4.88%
CUSO Mortgage Corporation-0.06%(4.0)0.93%
emmloans-0.06%(4.0)0.87%
HarborOne Mortgage-0.04%(3.5)2.38%
Carrington Mortgage Services-0.03%(3.5)2.55%
Lakeview Loan Servicing-0.03%(3.5)1.04%
NewRez-0.02%(3.5)0.23%
Residential Mortgage Services-0.02%(3.5)24.49%
Reliance First Capital-0.01%(3.5)0.87%
Academy Mortgage Corporation Utah-0.01%(3.5)4.18%
Bank of America-0.01%(3.5)0.17%
Mortgage Network, Inc-0.01%(3.5)3.25%
HomeBridge Financial Services-0.01%(3.5)1.68%
KeyBank-0.01%(3.5)0.06%
Amerisave Mortgage Corporation-0.01%(3.5)0.17%
Servion-0.00%(3.5)0.12%
TD Bank-0.00%(3.5)0.06%
PennyMac Loan Services0.01%(3.5)0.46%
Megastar Financial Corporation0.01%(3.5)0.87%
Quicken Loans0.01%(3.5)11.49%
Total Mortgage Services0.01%(3.5)0.52%
Bath Savings0.02%(3.5)0.17%
People’s United Bank0.02%(3.5)0.06%
Movement Mortgage0.02%(3.5)0.46%
Northpoint Mortgage0.05%(3.5)1.39%
Norwich Commercial Group Inc0.05%(3.0)0.70%
Freedom Mortgage Corporation0.05%(3.0)0.52%
Mr. Cooper0.06%(3.0)3.77%
Guaranteed Rate0.09%(3.0)0.64%
Fairway Independent Mortgage Corporation0.09%(3.0)3.71%
LeaderOne Financial Corporation0.10%(3.0)1.39%
loanDepot0.13%(3.0)2.32%
Primary Residential Mortgage Inc0.14%(3.0)1.51%
DAS Acquisition Company0.15%(3.0)5.92%
Embrace Home Loans0.15%(2.5)4.06%
Lender NameRate DifferenceRate RatingMarket Share
CMG Financial-0.19%(4.5)5.52%
Bangor Savings Bank-0.15%(4.0)4.64%
Flagstar Bank-0.13%(4.0)1.91%
Caliber Home Loans-0.11%(4.0)2.06%
Camden National Bank-0.10%(4.0)5.60%
emmloans-0.06%(4.0)0.96%
CUSO Mortgage Corporation-0.06%(4.0)1.10%
HarborOne Mortgage-0.05%(3.5)2.72%
Lakeview Loan Servicing-0.04%(3.5)0.22%
Residential Mortgage Services-0.01%(3.5)28.94%
Academy Mortgage Corporation Utah-0.01%(3.5)4.64%
Mortgage Network, Inc-0.01%(3.5)3.68%
Bank of America-0.01%(3.5)0.22%
PennyMac Loan Services-0.01%(3.5)0.07%
HomeBridge Financial Services-0.01%(3.5)2.06%
KeyBank-0.01%(3.5)0.07%
Reliance First Capital-0.00%(3.5)0.07%
Servion0.00%(3.5)0.15%
TD Bank0.00%(3.5)0.07%
Freedom Mortgage Corporation0.01%(3.5)0.07%
Megastar Financial Corporation0.01%(3.5)0.88%
NewRez0.01%(3.5)0.07%
Total Mortgage Services0.01%(3.5)0.66%
Bath Savings0.02%(3.5)0.22%
People’s United Bank0.02%(3.5)0.07%
Movement Mortgage0.02%(3.5)0.59%
Northpoint Mortgage0.05%(3.5)1.69%
Quicken Loans0.05%(3.0)5.74%
Mr. Cooper0.05%(3.0)2.28%
Norwich Commercial Group Inc0.06%(3.0)0.66%
Carrington Mortgage Services0.06%(3.0)0.59%
loanDepot0.08%(3.0)1.33%
Guaranteed Rate0.09%(3.0)0.81%
Fairway Independent Mortgage Corporation0.10%(3.0)4.20%
LeaderOne Financial Corporation0.11%(3.0)1.62%
Primary Residential Mortgage Inc0.15%(3.0)1.77%
DAS Acquisition Company0.15%(2.5)7.36%
Embrace Home Loans0.17%(2.5)4.64%
Lender NameRate DifferenceRate RatingMarket Share
Carrington Mortgage Services-0.06%(4.0)9.86%
Caliber Home Loans-0.05%(3.5)3.01%
NewRez-0.04%(3.5)0.82%
Lakeview Loan Servicing-0.03%(3.5)4.11%
emmloans-0.02%(3.5)0.55%
HarborOne Mortgage-0.02%(3.5)1.10%
Camden National Bank-0.02%(3.5)2.19%
Quicken Loans-0.02%(3.5)32.88%
Residential Mortgage Services-0.02%(3.5)7.95%
Reliance First Capital-0.02%(3.5)3.84%
Bangor Savings Bank-0.02%(3.5)0.55%
Amerisave Mortgage Corporation-0.01%(3.5)0.82%
Flagstar Bank-0.01%(3.5)0.27%
HomeBridge Financial Services-0.01%(3.5)0.27%
CMG Financial-0.01%(3.5)0.55%
Northpoint Mortgage-0.00%(3.5)0.27%
Academy Mortgage Corporation Utah0.00%(3.5)2.47%
PennyMac Loan Services0.01%(3.5)1.92%
CUSO Mortgage Corporation0.01%(3.5)0.27%
DAS Acquisition Company0.01%(3.5)0.55%
Fairway Independent Mortgage Corporation0.02%(3.5)1.92%
Megastar Financial Corporation0.02%(3.5)0.82%
Norwich Commercial Group Inc0.03%(3.5)0.82%
Mortgage Network, Inc0.03%(3.5)1.64%
Primary Residential Mortgage Inc0.03%(3.5)0.55%
Embrace Home Loans0.04%(3.5)1.92%
Freedom Mortgage Corporation0.05%(3.5)2.19%
LeaderOne Financial Corporation0.05%(3.0)0.55%
Mr. Cooper0.06%(3.0)9.32%
loanDepot0.17%(2.5)6.03%
Lender NameRate DifferenceRate RatingMarket Share
Bank of America-0.04%(3.5)7.89%
Bangor Savings Bank-0.04%(3.5)16.45%
TD Bank-0.03%(3.5)5.26%
Wells Fargo Bank-0.03%(3.5)5.92%
KeyBank-0.02%(3.5)6.58%
Camden National Bank0.00%(3.5)19.41%
Machias Savings Bank0.01%(3.5)1.97%
HarborOne Mortgage0.01%(3.5)1.32%
Mortgage Network, Inc0.01%(3.5)2.30%
US Bank0.01%(3.5)1.32%
USAA0.01%(3.5)0.33%
Quicken Loans0.01%(3.5)0.66%
Town & Country Federal Credit Union0.01%(3.5)0.33%
People’s United Bank0.02%(3.5)2.96%
Northpoint Mortgage0.02%(3.5)0.66%
Evergreen Credit Union0.02%(3.5)0.66%
Navy Federal Credit Union0.02%(3.5)0.99%
Caliber Home Loans0.02%(3.5)1.97%
Guaranteed Rate0.02%(3.5)0.66%
Flagstar Bank0.03%(3.5)0.33%
Five County Credit Union0.03%(3.5)0.33%
loanDepot0.03%(3.5)0.66%
Academy Mortgage Corporation Utah0.03%(3.5)2.63%
Northeast Home Loan0.03%(3.5)0.99%
JPMorgan Chase Bank0.04%(3.5)2.63%
Cumberland County Federal Credit Union0.04%(3.5)0.33%
Residential Mortgage Services0.05%(3.0)5.59%
Total Mortgage Services0.06%(3.0)1.97%
Bath Savings0.06%(3.0)3.29%
First National Bank Maine0.08%(3.0)3.62%
Lender NameRate DifferenceRate RatingMarket Share
Bank of America-0.05%(4.0)10.81%
Wells Fargo Bank-0.04%(3.5)6.49%
TD Bank-0.04%(3.5)5.95%
Bangor Savings Bank-0.03%(3.5)14.59%
KeyBank-0.01%(3.5)5.41%
Camden National Bank-0.01%(3.5)19.46%
Machias Savings Bank0.01%(3.5)2.16%
People’s United Bank0.01%(3.5)1.62%
Evergreen Credit Union0.01%(3.5)0.54%
US Bank0.01%(3.5)1.62%
USAA0.02%(3.5)0.54%
Town & Country Federal Credit Union0.02%(3.5)0.54%
Mortgage Network, Inc0.02%(3.5)1.62%
Quicken Loans0.02%(3.5)0.54%
HarborOne Mortgage0.02%(3.5)0.54%
Northpoint Mortgage0.02%(3.5)0.54%
Caliber Home Loans0.03%(3.5)2.70%
Navy Federal Credit Union0.03%(3.5)1.08%
Flagstar Bank0.03%(3.5)0.54%
Five County Credit Union0.03%(3.5)0.54%
Northeast Home Loan0.04%(3.5)1.62%
loanDepot0.04%(3.5)0.54%
Academy Mortgage Corporation Utah0.04%(3.5)2.70%
JPMorgan Chase Bank0.06%(3.0)2.16%
Total Mortgage Services0.06%(3.0)3.24%
Residential Mortgage Services0.06%(3.0)6.49%
First National Bank Maine0.08%(3.0)2.70%
Bath Savings0.09%(3.0)2.70%
Lender NameRate DifferenceRate RatingMarket Share
Bangor Savings Bank-0.06%(4.0)19.33%
KeyBank-0.03%(3.5)8.40%
TD Bank-0.02%(3.5)4.20%
Wells Fargo Bank-0.02%(3.5)5.04%
HarborOne Mortgage0.00%(3.5)2.52%
Mortgage Network, Inc0.00%(3.5)3.36%
Quicken Loans0.00%(3.5)0.84%
Navy Federal Credit Union0.01%(3.5)0.84%
US Bank0.01%(3.5)0.84%
Machias Savings Bank0.01%(3.5)1.68%
Northpoint Mortgage0.01%(3.5)0.84%
People’s United Bank0.02%(3.5)5.04%
Caliber Home Loans0.02%(3.5)0.84%
Academy Mortgage Corporation Utah0.02%(3.5)2.52%
Guaranteed Rate0.02%(3.5)1.68%
JPMorgan Chase Bank0.02%(3.5)3.36%
Evergreen Credit Union0.02%(3.5)0.84%
Bank of America0.02%(3.5)3.36%
Camden National Bank0.02%(3.5)19.33%
Residential Mortgage Services0.02%(3.5)4.20%
loanDepot0.02%(3.5)0.84%
Bath Savings0.03%(3.5)4.20%
Cumberland County Federal Credit Union0.04%(3.5)0.84%
First National Bank Maine0.07%(3.0)5.04%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.17%(4.5)5.49%
Bangor Savings Bank-0.12%(4.0)4.76%
CUSO Mortgage Corporation-0.09%(4.0)1.24%
USAA-0.09%(4.0)8.49%
Caliber Home Loans-0.07%(4.0)3.83%
CMG Financial-0.05%(3.5)3.00%
Lakeview Loan Servicing-0.04%(3.5)1.45%
loanDepot-0.04%(3.5)5.59%
Mortgage Network, Inc-0.02%(3.5)3.31%
People’s United Bank-0.01%(3.5)0.10%
Camden National Bank-0.01%(3.5)4.35%
Northeast Home Loan-0.01%(3.5)0.62%
US Bank-0.01%(3.5)0.21%
HarborOne Mortgage-0.00%(3.5)1.66%
PennyMac Loan Services-0.00%(3.5)2.90%
First National Bank Maine-0.00%(3.5)0.72%
Amerisave Mortgage Corporation-0.00%(3.5)0.21%
Wells Fargo Bank0.00%(3.5)0.52%
Guaranteed Rate0.00%(3.5)0.52%
DAS Acquisition Company0.00%(3.5)1.66%
KeyBank0.00%(3.5)0.10%
Atlantic FCU0.00%(3.5)0.21%
Flagstar Bank0.01%(3.5)0.72%
NewRez0.01%(3.5)0.31%
Total Mortgage Services0.01%(3.5)0.62%
LeaderOne Financial Corporation0.01%(3.5)0.72%
JPMorgan Chase Bank0.01%(3.5)0.10%
Carrington Mortgage Services0.01%(3.5)1.45%
emmloans0.01%(3.5)0.10%
Movement Mortgage0.01%(3.5)0.83%
TD Bank0.02%(3.5)0.93%
Integrity Mortgage0.02%(3.5)0.62%
Norwich Commercial Group Inc0.02%(3.5)0.52%
Bath Savings0.02%(3.5)0.10%
HomeBridge Financial Services0.02%(3.5)0.93%
Megastar Financial Corporation0.02%(3.5)0.62%
Northpoint Mortgage0.03%(3.5)0.52%
Residential Mortgage Services0.03%(3.5)11.90%
Academy Mortgage Corporation Utah0.03%(3.5)1.76%
Reliance First Capital0.05%(3.0)0.62%
Primary Residential Mortgage Inc0.06%(3.0)0.62%
Mr. Cooper0.06%(3.0)2.38%
Fairway Independent Mortgage Corporation0.07%(3.0)2.28%
Quicken Loans0.08%(3.0)12.42%
Freedom Mortgage Corporation0.12%(3.0)1.86%
Embrace Home Loans0.13%(3.0)2.90%
NewDay USA0.21%(2.5)3.21%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.17%(4.5)8.32%
Bangor Savings Bank-0.12%(4.0)6.81%
CUSO Mortgage Corporation-0.07%(4.0)2.27%
USAA-0.07%(4.0)11.15%
CMG Financial-0.03%(3.5)4.54%
Caliber Home Loans-0.03%(3.5)2.27%
PennyMac Loan Services-0.00%(3.5)0.38%
Camden National Bank0.00%(3.5)5.67%
People’s United Bank0.01%(3.5)0.19%
Quicken Loans0.01%(3.5)5.10%
NewRez0.01%(3.5)0.19%
US Bank0.02%(3.5)0.38%
Northeast Home Loan0.02%(3.5)0.57%
Freedom Mortgage Corporation0.02%(3.5)0.19%
Wells Fargo Bank0.02%(3.5)0.76%
loanDepot0.02%(3.5)0.57%
Mortgage Network, Inc0.02%(3.5)3.59%
KeyBank0.03%(3.5)0.19%
Guaranteed Rate0.03%(3.5)0.76%
Atlantic FCU0.03%(3.5)0.38%
First National Bank Maine0.03%(3.5)0.76%
LeaderOne Financial Corporation0.03%(3.5)0.57%
JPMorgan Chase Bank0.03%(3.5)0.19%
Total Mortgage Services0.03%(3.5)0.95%
emmloans0.04%(3.5)0.19%
DAS Acquisition Company0.04%(3.5)2.08%
Norwich Commercial Group Inc0.04%(3.5)0.57%
Integrity Mortgage0.04%(3.5)0.95%
Bath Savings0.04%(3.5)0.19%
HarborOne Mortgage0.04%(3.5)1.89%
Mr. Cooper0.04%(3.5)0.95%
TD Bank0.05%(3.5)0.95%
Flagstar Bank0.05%(3.0)0.76%
Megastar Financial Corporation0.05%(3.0)0.95%
NewDay USA0.05%(3.0)0.57%
Residential Mortgage Services0.05%(3.0)18.71%
Northpoint Mortgage0.05%(3.0)0.76%
Movement Mortgage0.06%(3.0)0.76%
Carrington Mortgage Services0.06%(3.0)0.38%
Academy Mortgage Corporation Utah0.07%(3.0)2.65%
HomeBridge Financial Services0.07%(3.0)0.95%
Primary Residential Mortgage Inc0.08%(3.0)1.13%
Fairway Independent Mortgage Corporation0.10%(3.0)3.97%
Embrace Home Loans0.20%(2.5)3.97%
Lender NameRate DifferenceRate RatingMarket Share
USAA-0.11%(4.0)5.26%
Caliber Home Loans-0.11%(4.0)5.72%
Navy Federal Credit Union-0.10%(4.0)2.06%
Lakeview Loan Servicing-0.07%(4.0)3.20%
Mortgage Network, Inc-0.07%(4.0)2.97%
HarborOne Mortgage-0.07%(4.0)1.37%
Bangor Savings Bank-0.07%(4.0)2.29%
loanDepot-0.07%(4.0)11.67%
DAS Acquisition Company-0.06%(4.0)1.14%
Flagstar Bank-0.05%(4.0)0.69%
CMG Financial-0.05%(3.5)1.14%
Northeast Home Loan-0.04%(3.5)0.69%
HomeBridge Financial Services-0.04%(3.5)0.92%
First National Bank Maine-0.04%(3.5)0.69%
Guaranteed Rate-0.04%(3.5)0.23%
Megastar Financial Corporation-0.03%(3.5)0.23%
Academy Mortgage Corporation Utah-0.03%(3.5)0.69%
Movement Mortgage-0.03%(3.5)0.92%
Embrace Home Loans-0.03%(3.5)1.60%
Total Mortgage Services-0.03%(3.5)0.23%
Amerisave Mortgage Corporation-0.03%(3.5)0.46%
PennyMac Loan Services-0.03%(3.5)5.95%
TD Bank-0.03%(3.5)0.92%
Carrington Mortgage Services-0.02%(3.5)2.75%
Integrity Mortgage-0.02%(3.5)0.23%
Northpoint Mortgage-0.02%(3.5)0.23%
Camden National Bank-0.02%(3.5)2.75%
Wells Fargo Bank-0.02%(3.5)0.23%
LeaderOne Financial Corporation-0.02%(3.5)0.92%
Fairway Independent Mortgage Corporation-0.02%(3.5)0.23%
NewRez-0.01%(3.5)0.46%
Norwich Commercial Group Inc-0.01%(3.5)0.46%
Residential Mortgage Services0.01%(3.5)3.66%
Reliance First Capital0.02%(3.5)1.37%
Mr. Cooper0.05%(3.5)4.12%
Quicken Loans0.08%(3.0)21.28%
Freedom Mortgage Corporation0.10%(3.0)3.89%
NewDay USA0.20%(2.5)6.41%

* Data is compiled for the Portland, ME commuting zone area, which comprises of counties of Androscoggin County, ME, Cumberland County, ME, Franklin County, ME, Kennebec County, ME, Knox County, ME, Lincoln County, ME, Oxford County, ME, Sagadahoc County, ME, Somerset County, ME, and Waldo County, ME. This includes cities/towns/communities of Portland, ME as well as Scarborough, ME, South Portland, ME, Lewiston, ME, Westbrook, ME, North Windham, ME, Auburn, ME, Gorham, ME, Cumberland Center, ME, Brunswick, ME, Augusta, ME, Topsham, ME, Little Falls, ME, Gray, ME, South Windham, ME, Standish, ME, Bath, ME, Bridgton, ME, Searsport, ME, Waterville, ME, Casco, ME, Naples, ME, Camden, ME, Rockland, ME, Yarmouth, ME, Thomaston, ME, Wiscasset, ME, Freeport, ME, Belfast, ME, Bowdoinham, ME, Mechanic Falls, ME, Farmingdale, ME, Winthrop, ME, Waldoboro, ME, Winslow, ME, Lisbon Falls, ME, Falmouth, ME, Oxford, ME, Cousins Island, ME, Gardiner, ME, Winterport, ME, Randolph, ME, Brunswick Station, ME, Unity, ME, Fairfield, ME, Norway, ME, Damariscotta, ME, Farmington, ME, Newcastle, ME, Richmond, ME, and Skowhegan, ME. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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