Mortgage lenders in Penobscot County
3,698 mortgages were made in Penobscot County, Maine, in 2025, by 232 lenders. The median rate their borrowers got was 6.875% on a median loan of $185,000. Of 4,827 decisions, 964 were denials — 20.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Bangor Savings Bank | 613 | 7.250% | $165,000 | 18.0% |
| Maine Savings Federal Credit Union | 321 | 7.375% | $95,000 | 16.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 230 | 6.500% | $265,000 | 14.8% |
| Rocket Mortgage, LLC | 215 | 6.625% | $175,000 | 21.6% |
| The Camden National Bank | 145 | 6.990% | $155,000 | 17.1% |
| LEADERONE FINANCIAL CORPORATION | 112 | 6.750% | $265,000 | 8.2% |
| Machias Savings Bank | 103 | 7.500% | $205,000 | 16.1% |
| CMG MORTGAGE, INC. | 91 | 6.490% | $255,000 | 3.9% |
| Acadia Federal Credit Union | 90 | Not published | $105,000 | 0.0% |
| CUSO MORTGAGE CORPORATION | 81 | 6.625% | $235,000 | 8.9% |
| Mortgage Research Center, LLC | 77 | 6.250% | $275,000 | 33.6% |
| University Credit Union | 73 | 6.875% | $115,000 | 10.8% |
| TOTAL MORTGAGE SERVICES, LLC | 68 | 6.875% | $255,000 | 2.9% |
| PENNYMAC LOAN SERVICES, LLC | 65 | 6.499% | $235,000 | 20.2% |
| SEBASTICOOK VALLEY Federal Credit Union | 61 | Not published | $95,000 | 1.6% |
| LINCOLN MAINE FEDERAL CREDIT UNION | 59 | Not published | $105,000 | 16.7% |
| First National Bank | 59 | 7.500% | $185,000 | 7.7% |
| FREEDOM MORTGAGE CORPORATION | 50 | 6.250% | $225,000 | 9.5% |
| TD Bank, National Association | 49 | 7.875% | $105,000 | 41.0% |
| Bangor Federal Credit Union | 48 | Not published | $85,000 | 14.3% |
| Bar Harbor Bank & Trust | 44 | 7.500% | $105,000 | 13.7% |
| GUILD MORTGAGE COMPANY | 44 | 6.250% | $205,000 | 6.4% |
| KeyBank National Association | 37 | 6.625% | $195,000 | 24.5% |
| NATIONSTAR MORTGAGE LLC | 37 | 7.250% | $175,000 | 7.5% |
| SEABOARD FEDERAL CREDIT UNION | 36 | 7.495% | $75,000 | 26.5% |
| Empeople Credit Union | 33 | 6.490% | $105,000 | 46.8% |
| Navy Federal Credit Union | 33 | 7.125% | $205,000 | 18.6% |
| Fairway Independent Mortgage Corporation | 33 | 6.750% | $205,000 | 5.7% |
| NEWREZ LLC | 31 | 6.625% | $255,000 | 29.5% |
| Loandepot.Com, LLC | 29 | 6.750% | $155,000 | 36.7% |
| NextMortgage, LLC | 29 | 6.250% | $245,000 | 3.2% |
| Katahdin Trust Company | 29 | Not published | $205,000 | 11.4% |
| MAINE HIGHLANDS FEDERAL CREDIT UNION | 29 | 6.750% | $155,000 | 3.3% |
| The County Federal Credit Union | 27 | Not published | $95,000 | 36.0% |
| AmeriSave Mortgage Corporation | 23 | 7.875% | $95,000 | 69.3% |
| KATAHDIN Federal Credit Union | 23 | Not published | $125,000 | 16.7% |
| Kennebec Savings Bank | 20 | 7.000% | $150,000 | 13.0% |
| EVERETT FINANCIAL, INC. | 18 | 6.750% | $240,000 | 5.3% |
| EMBRACE HOME LOANS, INC. | 18 | 6.625% | $240,000 | 13.6% |
| NEW DAY FINANCIAL, LLC | 15 | 7.250% | $215,000 | 33.3% |
| Bank of America, National Association | 15 | 6.250% | $225,000 | 48.3% |
| FIGURE LENDING LLC | 15 | 10.650% | $55,000 | 19.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 15 | 5.625% | $215,000 | 21.1% |
| GUARANTEED RATE, INC. | 14 | 6.400% | $290,000 | 17.7% |
| JPMorgan Chase Bank, National Association | 14 | 6.188% | $275,000 | 17.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 14 | 6.558% | $215,000 | 0.0% |
| Broker Solutions, Inc. | 13 | 6.625% | $195,000 | 41.9% |
| USAA Federal Savings Bank | 12 | 5.875% | $280,000 | 25.0% |
| KIND LENDING, LLC | 12 | 6.500% | $195,000 | 20.0% |
| LAKEVIEW LOAN SERVICING, LLC | 11 | 6.250% | $275,000 | 41.7% |
| U.S. Bank National Association | 11 | 6.625% | $255,000 | 42.1% |
| Skowhegan Savings Bank | 11 | Not published | $195,000 | 20.0% |
| Citizens Bank, National Association | 10 | 7.650% | $105,000 | 41.2% |
| Wells Fargo Bank, National Association | 9 | Under 10 loans | Under 10 loans | 25.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 52.9% |
| Maine State Credit Union | 8 | Under 10 loans | Under 10 loans | 46.7% |
| NORTHERN MORTGAGE SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 7 | Under 10 loans | Under 10 loans | 60.0% |
| 21st Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 46.7% |
| The Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 6 | Under 10 loans | Under 10 loans | 76.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 45.5% |
| NORTHPOINT MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| MEGASTAR FINANCIAL CORP. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Click n' Close, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 61.5% |
| PNC Bank, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Androscoggin Savings Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| VILLAGE CAPITAL & INVESTMENT LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| PENTAGON FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| AMERICAN FINANCIAL RESOURCES, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Coastal Community Bank | 4 | Under 10 loans | Under 10 loans | 9.1% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Paramount Residential Mortgage Group, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERANT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| MOVEMENT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| TRIAD FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 66.7% |
| LoanUnited.com, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| T2 FINANCIAL LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Ixonia Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Maine Community Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 81.8% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 57.1% |
| THE LOAN STORE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CONSUMER REAL ESTATE FINANCE CO. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| TOWN & COUNTRY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 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% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVERGREEN CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Downeast Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Service Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 66.7% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nicolet National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SUMMIT FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NORTHEAST HOME LOAN, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RADIUS FINANCIAL GROUP INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRADEMARK | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Norway Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit East, ACA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Federal Savings and Loan Association of Bath | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Easy Street Capital, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIVE COUNTY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hanscom Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIGHTHOUSE 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% |
| MSA MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CCG Fund 1, LLC | 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% |
| SIRVA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bath Savings Institution | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CUMBERLAND COUNTY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Goldwater Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Havard Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Eastern Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC REGIONAL FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Hometown Equity Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | Not published |
| RESICENTRAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CHURCHILL MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Waterstone Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| Bethpage Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMWEST FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| SUN WEST MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SUCCESS LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Fifth Third Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Trustmark National Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Connexus Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 254900CTT87ZKAUTIJ37 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Advisors Mortgage Group, L.L.C. | 0 | Under 10 loans | Under 10 loans | Not published |
| STG MORTGAGE INC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CAKE MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 32 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Penobscot County
41 FDIC-insured branches from 9 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Bangor Savings Bank | 12 | $2.2 billion |
| The Camden National Bank | 6 | $477.1 million |
| Bar Harbor Bank & Trust | 6 | $238.5 million |
| Katahdin Trust Company | 4 | $388.4 million |
| KeyBank National Association | 4 | $223.7 million |
| TD Bank, National Association | 3 | $588.0 million |
| Machias Savings Bank | 3 | $553.4 million |
| First National Bank | 2 | $149.8 million |
| Skowhegan Savings Bank | 1 | $64.5 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- TD Bank, National Association, 32 Goding Ave, Lincoln
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When the next year’s lending figures are out for Penobscot 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.