Mortgage lenders in Somerset County
1,107 mortgages were made in Somerset County, Maine, in 2025, by 175 lenders. The median rate their borrowers got was 6.750% on a median loan of $175,000. Of 1,483 decisions, 322 were denials — 21.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Bangor Savings Bank | 135 | 7.500% | $145,000 | 21.5% |
| Kennebec Savings Bank | 76 | 7.000% | $125,000 | 15.1% |
| Rocket Mortgage, LLC | 75 | 6.750% | $155,000 | 30.6% |
| The Camden National Bank | 65 | 6.990% | $175,000 | 21.4% |
| SEBASTICOOK VALLEY Federal Credit Union | 63 | Not published | $85,000 | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 59 | 6.624% | $245,000 | 12.5% |
| Skowhegan Savings Bank | 57 | Not published | $135,000 | 25.9% |
| GUILD MORTGAGE COMPANY | 46 | 6.500% | $205,000 | 9.8% |
| Mortgage Research Center, LLC | 37 | 6.250% | $245,000 | 17.0% |
| Maine State Credit Union | 29 | Not published | $85,000 | 23.7% |
| CUSO MORTGAGE CORPORATION | 21 | 6.250% | $165,000 | 19.2% |
| CMG MORTGAGE, INC. | 19 | 6.375% | $215,000 | 8.3% |
| FREEDOM MORTGAGE CORPORATION | 17 | 5.750% | $265,000 | 20.0% |
| TD Bank, National Association | 17 | 7.629% | $105,000 | 32.0% |
| GUARANTEED RATE, INC. | 17 | 6.600% | $225,000 | 15.0% |
| NEWREZ LLC | 15 | 6.750% | $275,000 | 33.3% |
| Loandepot.Com, LLC | 14 | 6.625% | $145,000 | 51.7% |
| Fairway Independent Mortgage Corporation | 14 | 6.100% | $245,000 | 6.7% |
| Luminate Bank | 13 | 6.750% | $205,000 | 0.0% |
| Broker Solutions, Inc. | 12 | 7.000% | $195,000 | 20.0% |
| PENNYMAC LOAN SERVICES, LLC | 11 | 5.990% | $145,000 | 25.0% |
| KeyBank National Association | 11 | 7.000% | $115,000 | 21.4% |
| T2 FINANCIAL LLC | 11 | 6.500% | $155,000 | 0.0% |
| NORTHPOINT MORTGAGE, INC. | 10 | 6.500% | $230,000 | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| LEADERONE FINANCIAL CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 38.5% |
| MAINE HIGHLANDS FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 41.7% |
| Machias Savings Bank | 7 | Under 10 loans | Under 10 loans | 36.4% |
| AmeriSave Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 73.9% |
| Maine Savings Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 23.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| NATIONSTAR MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| First National Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Norway Savings Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CPORT | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 4 | Under 10 loans | Under 10 loans | 63.6% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 37.5% |
| Bar Harbor Bank & Trust | 4 | Under 10 loans | Under 10 loans | 50.0% |
| 21st Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 55.6% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NextMortgage, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Service Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| MISSION LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| University Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CUMBERLAND COUNTY | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Maine Community Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Acadia Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HARBORONE MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 2 | Under 10 loans | Under 10 loans | 66.7% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LIGHTHOUSE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PEOPLESCHOICE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Wells Fargo Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Rockland Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 60.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FIGURE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 25.0% |
| TOWN & COUNTRY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| U.S. Bank National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| The County Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hanscom Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SIS BANCORP, MHC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LISBON COMMUNITY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TRUCHOICE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Department 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% |
| CASCO | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Dirigo Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIVE COUNTY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SFMC, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MassMutual Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERGREEN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHERN MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHEAST HOME LOAN, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bangor Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MAINE FAMILY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LINCOLN MAINE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRADEMARK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BancFirst | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CENTRAL ONE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Katahdin Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bath Savings Institution | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United States Senate Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEGASTAR FINANCIAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VANTAGE WEST | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Webster Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GUARANTEED RATE AFFINITY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Click n' Close, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| HOMEXPRESS MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Hometown Equity Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| JPMorgan Chase Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| FlexPoint, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BMO Bank National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| ATLANTIC REGIONAL FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERITRUST MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Androscoggin Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| NEXERA HOLDING LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| RUOFF MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SALEM FIVE MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| DIGITAL | 0 | Under 10 loans | Under 10 loans | Not published |
| Northwest Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TEACHERS FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CREDIT UNION OF AMERICA | 0 | Under 10 loans | Under 10 loans | 100.0% |
| UniBank for Savings | 0 | Under 10 loans | Under 10 loans | Not published |
| ALLIANT CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Northpointe Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | Not published |
| ALIGN CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| St. Mary's Bank Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN HERITAGE LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Citadel Servicing Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCIAL RESOURCES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| TruHome Solutions, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| DATA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Wings Financial Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Stride Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Fifth Third Bank, National Association | 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 Somerset County
13 FDIC-insured branches from 5 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Skowhegan Savings Bank | 6 | $437.8 million |
| Bangor Savings Bank | 3 | $221.0 million |
| The Camden National Bank | 2 | $55.9 million |
| Franklin Savings Bank | 1 | $47.9 million |
| Bar Harbor Bank & Trust | 1 | $21.1 million |
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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.