Home purchase lenders in Cumberland County
3,657 home purchase mortgages were made in Cumberland County, Maine, in 2025, by 258 lenders. The median rate their borrowers got was 6.625% on a median loan of $425,000. Of 4,101 decisions, 362 were denials — 8.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Bangor Savings Bank | 414 | 6.500% | $405,000 | 10.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 401 | 6.625% | $415,000 | 3.6% |
| GUILD MORTGAGE COMPANY | 256 | 6.625% | $405,000 | 4.7% |
| CMG MORTGAGE, INC. | 218 | 6.625% | $395,000 | 4.9% |
| Androscoggin Savings Bank | 166 | 6.625% | $485,000 | 3.5% |
| The Camden National Bank | 145 | 6.500% | $475,000 | 1.3% |
| Broker Solutions, Inc. | 134 | 6.625% | $425,000 | 1.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 124 | 6.625% | $435,000 | 3.9% |
| Maine Community Bank | 92 | Not published | $465,000 | 9.8% |
| U.S. Bank National Association | 85 | 6.500% | $595,000 | 3.4% |
| NORTHPOINT MORTGAGE, INC. | 73 | 6.625% | $375,000 | 1.4% |
| Norway Savings Bank | 70 | 7.000% | $380,000 | 16.7% |
| TOTAL MORTGAGE SERVICES, LLC | 67 | 6.990% | $475,000 | 2.9% |
| Bath Savings Institution | 66 | 6.875% | $355,000 | 12.0% |
| GUARANTEED RATE, INC. | 64 | 6.575% | $500,000 | 8.5% |
| Saco & Biddeford Savings Institution | 63 | Not published | $585,000 | 9.6% |
| TD Bank, National Association | 60 | 6.688% | $500,000 | 11.6% |
| Rocket Mortgage, LLC | 58 | 6.375% | $440,000 | 3.3% |
| Paramount Residential Mortgage Group, Inc. | 58 | 6.750% | $475,000 | 3.3% |
| TOWN & COUNTRY FEDERAL CREDIT UNION | 44 | 7.000% | $305,000 | 13.3% |
| Kennebec Savings Bank | 43 | 6.950% | $405,000 | 5.7% |
| EVERGREEN CREDIT UNION | 40 | 6.250% | $485,000 | 13.0% |
| ATLANTIC REGIONAL FEDERAL CREDIT UNION | 31 | 9.250% | $75,000 | 18.4% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 29 | 6.250% | $345,000 | 0.0% |
| Cornerstone First Mortgage, Inc | 28 | 6.750% | $370,000 | 0.0% |
| Bank of America, National Association | 27 | 6.125% | $355,000 | 26.8% |
| Mortgage Research Center, LLC | 26 | 6.250% | $415,000 | 25.7% |
| JPMorgan Chase Bank, National Association | 25 | 5.990% | $545,000 | 7.4% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 22 | 6.995% | $340,000 | 4.4% |
| EMBRACE HOME LOANS, INC. | 20 | 6.490% | $375,000 | 4.8% |
| CUMBERLAND COUNTY | 20 | 6.750% | $265,000 | 0.0% |
| CUSO MORTGAGE CORPORATION | 19 | 7.000% | $365,000 | 9.5% |
| Loandepot.Com, LLC | 19 | 6.625% | $455,000 | 9.5% |
| Navy Federal Credit Union | 18 | 6.063% | $435,000 | 5.3% |
| Fairway Independent Mortgage Corporation | 18 | 6.375% | $340,000 | 0.0% |
| HARBORONE MORTGAGE, LLC | 17 | 6.375% | $335,000 | 5.6% |
| Morgan Stanley Private Bank, National Association | 17 | 5.950% | $615,000 | 0.0% |
| Empeople Credit Union | 16 | 6.255% | $255,000 | 23.8% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 16 | 6.433% | $405,000 | 0.0% |
| USAA Federal Savings Bank | 15 | 6.500% | $405,000 | 40.0% |
| KeyBank National Association | 15 | 6.375% | $355,000 | 5.9% |
| Colorado Federal Savings Bank | 15 | 6.250% | $435,000 | 0.0% |
| Citizens Bank, National Association | 13 | 6.750% | $315,000 | 7.1% |
| Leader Bank, National Association | 12 | 6.375% | $520,000 | 14.3% |
| Maine State Credit Union | 12 | Not published | $375,000 | 7.7% |
| T2 FINANCIAL LLC | 11 | 6.875% | $285,000 | 0.0% |
| Wells Fargo Bank, National Association | 11 | 6.625% | $565,000 | 8.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 11 | 6.625% | $495,000 | 15.4% |
| NORTHEAST HOME LOAN, LLC | 11 | 7.250% | $385,000 | 0.0% |
| Dirigo Federal Credit Union | 10 | Not published | $135,000 | 0.0% |
| EMM LOANS LLC | 10 | 6.875% | $365,000 | 0.0% |
| LIGHTHOUSE FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 38.9% |
| NATIONSTAR MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| DAS Acquisition Company, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CPORT | 8 | Under 10 loans | Under 10 loans | 9.1% |
| WESTERLY COMMUNITY | 8 | Under 10 loans | Under 10 loans | 0.0% |
| TRUCHOICE FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MEGASTAR FINANCIAL CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| University Credit Union | 8 | Under 10 loans | Under 10 loans | 20.0% |
| PENNYMAC LOAN SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| NORTHERN MORTGAGE SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Skowhegan Savings Bank | 7 | Under 10 loans | Under 10 loans | 41.7% |
| Machias Savings Bank | 7 | Under 10 loans | Under 10 loans | 27.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 7 | Under 10 loans | Under 10 loans | 22.2% |
| THE LOAN STORE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Rockland Trust Company | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PEOPLESCHOICE CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| SIS BANCORP, MHC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| TRIAD FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 57.1% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 54.6% |
| Katahdin Trust Company | 5 | Under 10 loans | Under 10 loans | 37.5% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Truist Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 5 | Under 10 loans | Under 10 loans | 16.7% |
| KIND LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Savings and Loan Association of Bath | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Charles Schwab Bank, SSB | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NEWREZ LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| TAMMAC HOLDINGS CORPORATION | 4 | Under 10 loans | Under 10 loans | 60.0% |
| PNC Bank, National Association | 4 | Under 10 loans | Under 10 loans | 50.0% |
| The Huntington National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| First National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Webster Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CASCO | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MEMBERS MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| BNY Mellon, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIVE COUNTY CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Kennebunk Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MERRIMACK VALLEY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bar Harbor Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Service Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SACO VALLEY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mascoma Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Everett Co-operative Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Meredith Village Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PeoplesBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 93.8% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| OCEAN STATE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RADIUS FINANCIAL GROUP INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| bankESB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fall River Five Cents Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Farm Credit East, ACA | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANT HOME FUNDING, INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IDB Global Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Chain Bridge Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ASSURANCE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900T8N4RLS6G3BF64 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OnPath Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SEABOARD FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Financial Network, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First IC Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pentucket Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Enterprise Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBT Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DREW MORTGAGE ASSOCIATES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SALEM FIVE MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Washington Trust Company, of Westerly | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Canton | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWOOD CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Newburyport Five Cents Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRADEMARK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Abbott Laboratories Employees Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UniBank for Savings | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Utah Power Federally Insured State-Chartered Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bay State Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Havard Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 58 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.