Mortgage lenders in Kennebec County
3,328 mortgages were made in Kennebec County, Maine, in 2025, by 240 lenders. The median rate their borrowers got was 6.750% on a median loan of $215,000. Of 4,326 decisions, 779 were denials — 18.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Kennebec Savings Bank | 770 | 7.000% | $140,000 | 9.1% |
| Maine State Credit Union | 232 | Not published | $115,000 | 20.1% |
| GUILD MORTGAGE COMPANY | 222 | 6.500% | $265,000 | 7.3% |
| Bangor Savings Bank | 213 | 6.990% | $205,000 | 14.5% |
| The Camden National Bank | 175 | 6.990% | $175,000 | 16.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 163 | 6.250% | $265,000 | 8.7% |
| Rocket Mortgage, LLC | 159 | 6.750% | $205,000 | 26.3% |
| CMG MORTGAGE, INC. | 81 | 6.625% | $275,000 | 9.3% |
| Fairway Independent Mortgage Corporation | 66 | 6.490% | $240,000 | 4.4% |
| Mortgage Research Center, LLC | 60 | 6.250% | $310,000 | 29.5% |
| T2 FINANCIAL LLC | 43 | 6.625% | $265,000 | 4.3% |
| FREEDOM MORTGAGE CORPORATION | 40 | 6.250% | $260,000 | 8.0% |
| Androscoggin Savings Bank | 38 | 6.500% | $330,000 | 0.0% |
| NORTHPOINT MORTGAGE, INC. | 37 | 6.500% | $285,000 | 2.6% |
| CPORT | 37 | Not published | $55,000 | 4.8% |
| CUSO MORTGAGE CORPORATION | 34 | 6.625% | $240,000 | 19.1% |
| TD Bank, National Association | 31 | 7.540% | $105,000 | 24.4% |
| PENNYMAC LOAN SERVICES, LLC | 30 | 6.188% | $200,000 | 23.1% |
| GUARANTEED RATE, INC. | 29 | 6.450% | $255,000 | 0.0% |
| First National Bank | 27 | 7.500% | $225,000 | 6.7% |
| Navy Federal Credit Union | 26 | 7.125% | $265,000 | 33.3% |
| Skowhegan Savings Bank | 26 | Not published | $280,000 | 31.1% |
| NEWREZ LLC | 24 | 6.500% | $280,000 | 32.4% |
| Loandepot.Com, LLC | 24 | 6.750% | $240,000 | 42.9% |
| NATIONSTAR MORTGAGE LLC | 24 | 7.750% | $95,000 | 7.7% |
| AmeriSave Mortgage Corporation | 23 | 7.875% | $85,000 | 65.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 22 | 6.625% | $275,000 | 4.4% |
| Maine Savings Federal Credit Union | 22 | 7.318% | $120,000 | 29.7% |
| Broker Solutions, Inc. | 20 | 6.688% | $250,000 | 20.0% |
| TOTAL MORTGAGE SERVICES, LLC | 20 | 6.813% | $290,000 | 4.8% |
| Maine Community Bank | 19 | Not published | $235,000 | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 18 | 6.490% | $280,000 | 0.0% |
| Luminate Bank | 15 | 6.500% | $285,000 | 0.0% |
| ATLANTIC REGIONAL FEDERAL CREDIT UNION | 14 | 8.120% | $100,000 | 30.0% |
| DAS Acquisition Company, LLC | 13 | 6.125% | $285,000 | 6.3% |
| HARBORONE MORTGAGE, LLC | 13 | 6.375% | $305,000 | 0.0% |
| Kiavi Funding, Inc. | 13 | 8.230% | $235,000 | 0.0% |
| Dirigo Federal Credit Union | 13 | Not published | $105,000 | 13.3% |
| KeyBank National Association | 12 | 8.900% | $75,000 | 45.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 12 | 6.375% | $275,000 | 7.1% |
| Coastal Community Bank | 11 | 11.240% | $45,000 | 5.6% |
| University Credit Union | 11 | 7.000% | $155,000 | 0.0% |
| TRADEMARK | 11 | 7.000% | $85,000 | 21.4% |
| Norway Savings Bank | 10 | 7.188% | $255,000 | 54.6% |
| USAA Federal Savings Bank | 10 | 5.938% | $355,000 | 33.3% |
| NEW DAY FINANCIAL, LLC | 9 | Under 10 loans | Under 10 loans | 47.4% |
| LAKEVIEW LOAN SERVICING, LLC | 9 | Under 10 loans | Under 10 loans | 45.0% |
| JPMorgan Chase Bank, National Association | 9 | Under 10 loans | Under 10 loans | 18.2% |
| LEADERONE FINANCIAL CORPORATION | 9 | Under 10 loans | Under 10 loans | 18.2% |
| SPRING EQ, LLC | 8 | Under 10 loans | Under 10 loans | 70.4% |
| Bank of America, National Association | 8 | Under 10 loans | Under 10 loans | 65.2% |
| FIGURE LENDING LLC | 8 | Under 10 loans | Under 10 loans | 42.1% |
| MOVEMENT MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 18.2% |
| U.S. Bank National Association | 8 | Under 10 loans | Under 10 loans | 38.5% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Citizens Bank, National Association | 7 | Under 10 loans | Under 10 loans | 50.0% |
| TOWN & COUNTRY FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 36.4% |
| Empeople Credit Union | 7 | Under 10 loans | Under 10 loans | 12.5% |
| MEGASTAR FINANCIAL CORP. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| EVERETT FINANCIAL, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Bar Harbor Bank & Trust | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Wells Fargo Bank, National Association | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Auburn Savings Bank, FSB | 6 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| LISBON COMMUNITY | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Bath Savings Institution | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 5 | Under 10 loans | Under 10 loans | 78.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 50.0% |
| 21st Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 44.4% |
| VILLAGE CAPITAL & INVESTMENT LLC | 5 | Under 10 loans | Under 10 loans | 30.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| KIND LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Manufacturers and Traders Trust Company | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Cornerstone First Mortgage, Inc | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 55.6% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 63.6% |
| EVERGREEN CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Machias Savings Bank | 4 | Under 10 loans | Under 10 loans | 37.5% |
| Ixonia Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Service Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 4 | Under 10 loans | Under 10 loans | 42.9% |
| MISSION LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Rockland Trust Company | 4 | Under 10 loans | Under 10 loans | 20.0% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LIGHTHOUSE FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 66.7% |
| MAINE FAMILY | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CUMBERLAND COUNTY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SIS BANCORP, MHC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHEAST HOME LOAN, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 71.4% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 57.1% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 66.7% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 25.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TRUCHOICE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Federal Savings and Loan Association of Bath | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Acadia Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIVE COUNTY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Salem Five Cents Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Saco & Biddeford Savings Institution | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NextMortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BOKF, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Downeast Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| WESTERLY COMMUNITY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| NORTHERN MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Katahdin Trust Company | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| First Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| POLARIS HOME FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BANKWEST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bangor Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGE ACCESS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| United Nations Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VAN DYK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The County Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Black Hills Community Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Connexus Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Department Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900HL2VMAYA3J5494 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SACO VALLEY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| US MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBT Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PEOPLESCHOICE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SEBASTICOOK VALLEY Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAMPUS USA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWOOD CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| bankESB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Signature Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Merrimack County Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500CBWD5B079K2C86 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Colorado Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HOMEXPRESS MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Equity Prime Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| TOP FLITE FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 40 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Kennebec County
29 FDIC-insured branches from 8 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| The Camden National Bank | 11 | $639.9 million |
| Kennebec Savings Bank | 6 | $1.3 billion |
| Bangor Savings Bank | 4 | $315.8 million |
| TD Bank, National Association | 2 | $406.5 million |
| KeyBank National Association | 2 | $158.0 million |
| Bar Harbor Bank & Trust | 2 | $56.1 million |
| Northeast Bank | 1 | $210.6 million |
| Skowhegan Savings Bank | 1 | $37.2 million |
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When the next year’s lending figures are out for Kennebec County, or a lender arrives or leaves.
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.