Refinancing lenders in York County
1,087 refinancing mortgages were made in York County, Maine, in 2025, by 180 lenders. The median rate their borrowers got was 6.375% on a median loan of $315,000. Of 1,358 decisions, 224 were denials — 16.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 101 | 5.875% | $395,000 | 3.7% |
| CMG MORTGAGE, INC. | 76 | 6.500% | $375,000 | 10.1% |
| Rocket Mortgage, LLC | 57 | 5.875% | $395,000 | 20.0% |
| ATLANTIC REGIONAL FEDERAL CREDIT UNION | 50 | 7.990% | $95,000 | 16.7% |
| Kennebunk Savings Bank | 47 | Not published | $185,000 | 20.0% |
| Bangor Savings Bank | 45 | 7.250% | $205,000 | 20.7% |
| FREEDOM MORTGAGE CORPORATION | 42 | 6.250% | $405,000 | 3.6% |
| Maine Community Bank | 42 | Not published | $220,000 | 23.6% |
| TD Bank, National Association | 38 | 7.540% | $145,000 | 15.6% |
| Citizens Bank, National Association | 36 | 7.400% | $205,000 | 24.0% |
| PEOPLESCHOICE CREDIT UNION | 30 | Not published | $220,000 | 16.2% |
| The Camden National Bank | 28 | 6.313% | $580,000 | 6.7% |
| GUILD MORTGAGE COMPANY | 24 | 6.125% | $350,000 | 7.7% |
| Loandepot.Com, LLC | 23 | 6.125% | $395,000 | 4.2% |
| Empeople Credit Union | 20 | 6.490% | $160,000 | 22.2% |
| Bank of America, National Association | 19 | 5.990% | $295,000 | 28.6% |
| SACO VALLEY CREDIT UNION | 16 | 6.625% | $115,000 | 15.8% |
| Manufacturers and Traders Trust Company | 15 | 5.990% | $205,000 | 23.8% |
| Saco & Biddeford Savings Institution | 14 | Not published | $200,000 | 17.7% |
| SIS BANCORP, MHC | 13 | 6.875% | $275,000 | 7.1% |
| LAKEVIEW LOAN SERVICING, LLC | 12 | 5.990% | $345,000 | 46.4% |
| NEWREZ LLC | 11 | 5.750% | $495,000 | 39.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 11 | 6.250% | $205,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 11 | 5.990% | $405,000 | 0.0% |
| University Credit Union | 10 | 6.938% | $75,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Mortgage Research Center, LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| LONGBRIDGE FINANCIAL, LLC | 9 | Under 10 loans | Under 10 loans | 16.7% |
| GUARANTEED RATE, INC. | 9 | Under 10 loans | Under 10 loans | 16.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| NORTHEAST HOME LOAN, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHPOINT MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Service Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| LIGHTHOUSE FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 33.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Navy Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 33.3% |
| Broker Solutions, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| TOWN & COUNTRY FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CPORT | 4 | Under 10 loans | Under 10 loans | 16.7% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 33.3% |
| PNC Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ENVOY MORTGAGE, LTD | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 3 | Under 10 loans | Under 10 loans | 50.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Holy Rosary Regional Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Norway Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Maine State Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RADIUS FINANCIAL GROUP INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Machias Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EVERGREEN CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 77.8% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Kennebec Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CASCO | 2 | Under 10 loans | Under 10 loans | 33.3% |
| KEYSTONE FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ASSURANCE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mascoma Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WESTERLY COMMUNITY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HARBORONE MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TRUCHOICE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CUMBERLAND COUNTY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MEGASTAR FINANCIAL CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CUSO MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| KeyBank National Association | 1 | Under 10 loans | Under 10 loans | 75.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Skowhegan Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Institution for Savings in Newburyport and Its Vicinity | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBT Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EQUITY RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Eagle Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Salem Five Cents Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Monson Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Androscoggin Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MAINE FAMILY | 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% |
| DREW MORTGAGE ASSOCIATES, INC. | 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% |
| LUMENT REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Newburyport Five Cents Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Loan Investment Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Berkshire Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MID-ISLAND MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Katahdin Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit East, ACA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bath Savings Institution | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALIGN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500CBWD5B079K2C86 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Colorado Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Rockland Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Piscataqua Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Loan Funder LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| The Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| LoanUnited.com, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AmeriSave Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NBKC BANK | 0 | Under 10 loans | Under 10 loans | Not published |
| Logan Finance Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Reliable Holdings Manager dba Lendz Financial | 0 | Under 10 loans | Under 10 loans | Not published |
| THE LOAN STORE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| LUXURY MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Kiavi Funding, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| WILLIAM RAVEIS MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| NEXERA HOLDING LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Waterstone Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| CLEAREDGE LENDING LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Bethpage Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| OCEAN STATE CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BAY EQUITY LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| QUORUM FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First Seacoast Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| ALLIED MORTGAGE GROUP, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| UniBank for Savings | 0 | Under 10 loans | Under 10 loans | Not published |
| NEW DAY FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| ALLIANT CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| BUILDERS CHOICE MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| CHAMPIONS FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| USAA Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The Huntington National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| NexBank | 0 | Under 10 loans | Under 10 loans | Not published |
| Stride Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| DEEPHAVEN MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Citibank, 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.
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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. 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.