Mortgage lenders in Waldo County
1,084 mortgages were made in Waldo County, Maine, in 2025, by 170 lenders. The median rate their borrowers got was 6.990% on a median loan of $205,000. Of 1,473 decisions, 328 were denials — 22.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Bangor Savings Bank | 163 | 7.500% | $155,000 | 25.8% |
| The Camden National Bank | 125 | 6.990% | $155,000 | 18.0% |
| Rocket Mortgage, LLC | 66 | 6.750% | $210,000 | 26.6% |
| First National Bank | 65 | 7.500% | $195,000 | 7.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 52 | 6.125% | $295,000 | 16.7% |
| CMG MORTGAGE, INC. | 49 | 6.500% | $265,000 | 1.9% |
| Maine Savings Federal Credit Union | 36 | 7.688% | $105,000 | 22.4% |
| Fairway Independent Mortgage Corporation | 35 | 6.250% | $275,000 | 0.0% |
| Kennebec Savings Bank | 32 | 7.125% | $175,000 | 12.2% |
| Mortgage Research Center, LLC | 24 | 6.563% | $270,000 | 14.3% |
| SEABOARD FEDERAL CREDIT UNION | 23 | 7.500% | $95,000 | 28.1% |
| Maine State Credit Union | 21 | Not published | $155,000 | 33.3% |
| GUILD MORTGAGE COMPANY | 19 | 6.875% | $255,000 | 0.0% |
| Navy Federal Credit Union | 17 | 7.250% | $205,000 | 15.0% |
| CUSO MORTGAGE CORPORATION | 16 | 5.913% | $220,000 | 38.5% |
| NATIONSTAR MORTGAGE LLC | 13 | 6.625% | $235,000 | 6.7% |
| TD Bank, National Association | 12 | 7.045% | $260,000 | 33.3% |
| KeyBank National Association | 12 | 6.938% | $230,000 | 29.4% |
| SEBASTICOOK VALLEY Federal Credit Union | 10 | Not published | $180,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 26.7% |
| Broker Solutions, Inc. | 9 | Under 10 loans | Under 10 loans | 25.0% |
| AmeriSave Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 50.0% |
| TOTAL MORTGAGE SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 9 | Under 10 loans | Under 10 loans | 30.8% |
| University Credit Union | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Machias Savings Bank | 9 | Under 10 loans | Under 10 loans | 9.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Downeast Credit Union | 8 | Under 10 loans | Under 10 loans | 38.5% |
| T2 FINANCIAL LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 6 | Under 10 loans | Under 10 loans | 61.1% |
| NEWREZ LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Bar Harbor Bank & Trust | 6 | Under 10 loans | Under 10 loans | 50.0% |
| Luminate Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 5 | Under 10 loans | Under 10 loans | 54.6% |
| Bank of America, National Association | 5 | Under 10 loans | Under 10 loans | 50.0% |
| GUARANTEED RATE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 5 | Under 10 loans | Under 10 loans | 33.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NORTHPOINT MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| LEADERONE FINANCIAL CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 14.3% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| VILLAGE CAPITAL & INVESTMENT LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| KIND LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Manufacturers and Traders Trust Company | 4 | Under 10 loans | Under 10 loans | 33.3% |
| NEW DAY FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| FIGURE LENDING LLC | 3 | Under 10 loans | Under 10 loans | 12.5% |
| JPMorgan Chase Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Skowhegan Savings Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| The County Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOWN & COUNTRY FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Empeople Credit Union | 2 | Under 10 loans | Under 10 loans | 60.0% |
| TOP FLITE FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ZILLOW HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC REGIONAL FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Androscoggin Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Service Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Acadia Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Saco & Biddeford Savings Institution | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERANT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Wells Fargo Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 75.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERGREEN CREDIT UNION | 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 | 50.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Katahdin Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Norway Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bath Savings Institution | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIVE COUNTY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIGHTHOUSE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HARBORONE MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MAINE FAMILY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SALEM FIVE MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NextMortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRUCHOICE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit East, ACA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CUMBERLAND COUNTY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEGASTAR FINANCIAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALIGN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| St. Mary's Bank Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MAINE HIGHLANDS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 0 | Under 10 loans | Under 10 loans | 14.3% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PLAZA HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Barrington Bank & Trust Company, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Reliable Holdings Manager dba Lendz Financial | 0 | Under 10 loans | Under 10 loans | Not published |
| Connexus Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Mascoma Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST HERITAGE FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Hanscom Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Capital Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TOWER Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PEOPLESCHOICE CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| TRIAD FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Maine Community Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CPORT | 0 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 0 | Under 10 loans | Under 10 loans | 100.0% |
| OAKTREE FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| LINCOLN MAINE FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NexBank | 0 | Under 10 loans | Under 10 loans | Not published |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| First Seacoast Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| FINANCE OF AMERICA REVERSE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| KATAHDIN Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Ixonia Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Northpointe Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| The Huntington National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Salem Five Cents Savings Bank | 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 |
| AMERANT 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 Waldo County
8 FDIC-insured branches from 4 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Bangor Savings Bank | 4 | $260.4 million |
| The Camden National Bank | 2 | $208.4 million |
| KeyBank National Association | 1 | $51.6 million |
| First National Bank | 1 | $46.8 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.