Mortgage lenders in Lincoln County
1,036 mortgages were made in Lincoln County, Maine, in 2025, by 159 lenders. The median rate their borrowers got was 6.990% on a median loan of $235,000. Of 1,319 decisions, 243 were denials — 18.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| First National Bank | 206 | 7.500% | $135,000 | 7.9% |
| The Camden National Bank | 106 | 6.990% | $155,000 | 20.9% |
| Bangor Savings Bank | 74 | 7.063% | $225,000 | 23.7% |
| Rocket Mortgage, LLC | 48 | 6.990% | $210,000 | 22.6% |
| First Federal Savings and Loan Association of Bath | 48 | Not published | $165,000 | 2.0% |
| CMG MORTGAGE, INC. | 37 | 6.500% | $295,000 | 15.2% |
| Kennebec Savings Bank | 35 | 6.950% | $175,000 | 2.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 30 | 6.463% | $300,000 | 9.1% |
| GUILD MORTGAGE COMPANY | 26 | 6.625% | $315,000 | 13.3% |
| Bath Savings Institution | 24 | 7.000% | $250,000 | 17.2% |
| Fairway Independent Mortgage Corporation | 21 | 6.625% | $305,000 | 0.0% |
| Maine State Credit Union | 19 | Not published | $115,000 | 38.7% |
| Navy Federal Credit Union | 16 | 6.313% | $285,000 | 5.9% |
| Mortgage Research Center, LLC | 14 | 6.250% | $290,000 | 26.3% |
| PENNYMAC LOAN SERVICES, LLC | 14 | 7.125% | $180,000 | 17.7% |
| Broker Solutions, Inc. | 13 | 6.875% | $345,000 | 13.3% |
| T2 FINANCIAL LLC | 13 | 6.990% | $315,000 | 11.1% |
| NORTHPOINT MORTGAGE, INC. | 12 | 6.750% | $335,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 10 | 6.125% | $270,000 | 0.0% |
| TD Bank, National Association | 10 | 7.315% | $260,000 | 23.1% |
| NEWREZ LLC | 9 | Under 10 loans | Under 10 loans | 28.6% |
| CUSO MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 35.7% |
| Loandepot.Com, LLC | 8 | Under 10 loans | Under 10 loans | 50.0% |
| JPMorgan Chase Bank, National Association | 7 | Under 10 loans | Under 10 loans | 30.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| ATLANTIC REGIONAL FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| U.S. Bank National Association | 6 | Under 10 loans | Under 10 loans | 22.2% |
| USAA Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Androscoggin Savings Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| University Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Maine Community Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 5 | Under 10 loans | Under 10 loans | 37.5% |
| GUARANTEED RATE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Citizens Bank, National Association | 5 | Under 10 loans | Under 10 loans | 44.4% |
| FIVE COUNTY CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CPORT | 5 | Under 10 loans | Under 10 loans | 16.7% |
| SPRING EQ, LLC | 4 | Under 10 loans | Under 10 loans | 63.6% |
| Wells Fargo Bank, National Association | 4 | Under 10 loans | Under 10 loans | 50.0% |
| FIGURE LENDING LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| LEADERONE FINANCIAL CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| HARBORONE MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 3 | Under 10 loans | Under 10 loans | 9.1% |
| LAKEVIEW LOAN SERVICING, LLC | 3 | Under 10 loans | Under 10 loans | 41.7% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 42.9% |
| NATIONSTAR MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SIS BANCORP, MHC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LONGBRIDGE FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MEGASTAR FINANCIAL CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 87.5% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Norway Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Bar Harbor Bank & Trust | 2 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Dirigo Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVERGREEN CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHEAST HOME LOAN, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TRADEMARK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 80.0% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Service Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 33.3% |
| TOWN & COUNTRY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Maine Savings Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIGHTHOUSE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Needham Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Skowhegan Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Saco & Biddeford Savings Institution | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PEOPLESCHOICE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank of St. Charles, Missouri | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Meredith Village Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Central Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ATLANTIC FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DUPACO COMMUNITY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALIGN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500FAD1FB7FEGTE82 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank-Fund Staff Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Firstrust Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Rockland Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Webster Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 21st Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NBKC BANK | 0 | Under 10 loans | Under 10 loans | Not published |
| The County Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 50.0% |
| Kiavi Funding, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| TRUCHOICE FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Fifth Third Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Connexus Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Paramount Residential Mortgage Group, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 0 | Under 10 loans | Under 10 loans | Not published |
| Click n' Close, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Monson Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| WESTERLY COMMUNITY | 0 | Under 10 loans | Under 10 loans | Not published |
| Servion, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| OCMBC, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Equity Prime Mortgage LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Bethpage Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Farmers Bank & Trust | 0 | Under 10 loans | Under 10 loans | Not published |
| AMWEST FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| VELOCITY COMMERCIAL CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Greenbox Loans, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| First National Bank of America | 0 | Under 10 loans | Under 10 loans | Not published |
| Hanscom Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| DATA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Old National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| PLAZA HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| DEEPHAVEN MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PHH Mortgage Corporation | 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.
Bank branches in Lincoln County
16 FDIC-insured branches from 5 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| First National Bank | 4 | $1.6 billion |
| The Camden National Bank | 4 | $200.9 million |
| Bangor Savings Bank | 3 | $118.5 million |
| First Federal Savings and Loan Association of Bath | 3 | $63.9 million |
| Bath Savings Institution | 2 | $112.0 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- Bangor Savings Bank, 100 Main St, Damariscotta
Get told when this changes
When the next year’s lending figures are out for Lincoln 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.