Mortgage Lenders and Brokers in Gray, Maine
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Gray, Maine mortgage lenders include Norway Savings BankNorway Savings Bank1 Libby Hill Rd, Gray, ME 04039A+5.0 ★Texas Ratio: 1.63%, Androscoggin BankAndroscoggin Bank24 Portland Rd, Gray, ME 04039A+5.0 ★Texas Ratio: 3.70%, TD BankTD Bank23 Portland Rd, Gray, ME 04039A+5.0 ★Texas Ratio: 3.71%, Cumberland County Federal Credit UnionCumberland County Federal Credit Union43 Lewiston Rd, Gray, ME 04039 9537A+5.0 ★Texas Ratio: 4.81%, Bangor Savings BankBangor Savings Bank170 Turner St, Auburn, ME 04210A+5.0 ★Texas Ratio: 4.53%, Evergreen Credit UnionEvergreen Credit Union838 Roosevelt Trl, Naples, ME 04055A5.0 ★Texas Ratio: 9.45%, The Camden National BankThe Camden National Bank178 Court St, Auburn, ME 04210A+5.0 ★Texas Ratio: 1.50%, Maine Community BankMaine Community Bank100 Minot Ave, Auburn, ME 04210A+5.0 ★Texas Ratio: 4.93%, Kennebec Savings BankKennebec Savings Bank150 State St, Augusta, ME 04330A+5.0 ★Texas Ratio: 2.87%, and Maine State Credit UnionMaine State Credit Union25 Portland Rd, Gray, ME 04039A+5.0 ★Texas Ratio: 5.92%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Gray, Maine in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Gray are listed first, then lenders elsewhere in Maine, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Gray, Maine
Market share is the lender's share of all home loans closed in Gray, Maine. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1 office in Gray 1 Libby Hill Rd, Gray, ME 04039 A+5.0 ★Texas Ratio: 1.63% |
Conventional, HELOC | 3 +3 HELOCs |
1.7% | 100% | $271,666 | View |
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1 office in Gray 24 Portland Rd, Gray, ME 04039 A+5.0 ★Texas Ratio: 3.70% |
Conventional | 2 | 1.1% | 100% | $525,000 | View |
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1 office in Gray 23 Portland Rd, Gray, ME 04039 A+5.0 ★Texas Ratio: 3.71% |
HELOC | 0 +7 HELOCs |
0% | n/a | View | |
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43 Lewiston Rd, Gray, ME 04039 9537 A+5.0 ★Texas Ratio: 4.81% |
Conventional | 22 | 12.2% | 88.5% | $116,818 | View |
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170 Turner St, Auburn, ME 04210 A+5.0 ★Texas Ratio: 4.53% |
Conventional, Jumbo, HELOC | 13 +7 HELOCs |
7.2% | 100% | $491,923 | View |
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838 Roosevelt Trl, Naples, ME 04055 A5.0 ★Texas Ratio: 9.45% |
Conventional, HELOC | 7 +7 HELOCs |
3.9% | 100% | $186,428 | View |
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178 Court St, Auburn, ME 04210 A+5.0 ★Texas Ratio: 1.50% |
Conventional, HELOC | 6 +2 HELOCs |
3.3% | 100% | $348,333 | View |
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100 Minot Ave, Auburn, ME 04210 A+5.0 ★Texas Ratio: 4.93% |
Conventional | 6 | 3.3% | 100% | $181,666 | View |
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150 State St, Augusta, ME 04330 A+5.0 ★Texas Ratio: 2.87% |
Conventional | 3 | 1.7% | 100% | $378,333 | View |
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25 Portland Rd, Gray, ME 04039 A+5.0 ★Texas Ratio: 5.92% |
Conventional | 3 | 1.7% | 60% | $288,333 | View |
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67 Sewall St, Augusta, ME 04330 6332 A+5.0 ★Texas Ratio: 3.82% |
Conventional | 3 | 1.7% | 100% | $65,000 | View |
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105 Front St, Bath, ME 04530 A+5.0 ★Texas Ratio: 0.21% |
Conventional | 2 | 1.1% | 100% | $195,000 | View |
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28 Adams St, Biddeford, ME 04005 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.6% | 100% | $575,000 | View |
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100 Mount Auburn Ave, Auburn, ME 04210 A5.0 ★Texas Ratio: 11.35% |
Conventional | 1 | 0.6% | 100% | $345,000 | View |
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160 Shops Way, Biddeford, ME 04005 A+5.0 ★Texas Ratio: 1.18% |
Conventional | 1 | 0.6% | 50% | $605,000 | View |
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17 Main St, Ashland, ME 04732 A+5.0 ★Texas Ratio: 4.07% |
Conventional | 1 | 0.6% | 100% | $455,000 | View |
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110 Maine St, Brunswick, ME 04011 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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6 Barra Rd, Biddeford, ME 04005 9459 A5.0 ★Texas Ratio: 11.01% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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254 Long Plains Rd, Buxton, ME 04093 A+5.0 ★Texas Ratio: 0.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Town and Country Federal Credi
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Conventional, HELOC | 3 +3 HELOCs |
1.7% | 85.7% | $155,000 | |
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A+5.0 ★Texas Ratio: 3.78% |
Conventional | 3 | 1.7% | 100% | $85,000 | View |
CUSO Mortgage Corporation
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Conventional, FHA | 2 | 1.1% | 100% | $345,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 20 +1 HELOCs |
11% | 87% | $395,000 | |
Rocket Mortgage
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Conventional, VA | 13 | 7.2% | 92.9% | $308,076 | |
Guild Mortgage Company
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Conventional, FHA | 12 | 6.6% | 100% | $399,166 | |
Cmg Mortgage Inc
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Conventional, FHA | 7 | 3.9% | 87.5% | $453,571 | |
New American Funding, LLC.
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Conventional | 6 | 3.3% | 100% | $481,666 | |
Freedom Mortgage Corporation
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FHA | 3 | 1.7% | 100% | $438,333 | |
Affordable Mortgage Advisors
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Conventional | 3 | 1.7% | 100% | $308,333 | |
CrossCountry Mortgage, LLC
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Conventional | 3 | 1.7% | 75% | $408,333 | |
Nationstar Mortgage
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Conventional | 3 | 1.7% | 75% | $175,000 | |
Spring Eq, LLC
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Conventional | 3 | 1.7% | 60% | $71,666 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 2 | 1.1% | 100% | $335,000 | |
Primary Residential Mortgage, INC.
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Conventional, FHA | 2 | 1.1% | 100% | $315,000 | |
Das Acquisition Company, LLC
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Conventional | 2 | 1.1% | 100% | $550,000 | |
Navy Federal Credit Union
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Conventional | 2 | 1.1% | 66.7% | $335,000 | |
Ark-La-Tex Financial Services LLC
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FHA, VA | 2 | 1.1% | 100% | $590,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 2 | 1.1% | 100% | $495,000 | |
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A+5.0 ★Texas Ratio: 5.75% |
Conventional, HELOC | 1 +4 HELOCs |
0.6% | 50% | $15,000 | |
EMM Loans LLC
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Conventional | 1 | 0.6% | 100% | $365,000 | |
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A+5.0 ★Texas Ratio: 3.16% |
Conventional | 1 | 0.6% | 100% | $455,000 | View |
Sage Home Loans Corporation
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Conventional | 1 | 0.6% | 100% | $415,000 | |
Dart Bank
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Conventional | 1 | 0.6% | 100% | $595,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 0.6% | 50% | $335,000 | |
loanDepot.com LLC
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VA | 1 | 0.6% | 100% | $455,000 | |
Discover Bank
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Conventional | 1 | 0.6% | 50% | $55,000 | |
American Financing Corporation
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Conventional | 1 | 0.6% | 100% | $535,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.6% | 100% | $695,000 | View |
T2 Financial LLC
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Conventional | 1 | 0.6% | 100% | $515,000 | |
Mortgage Research Center
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VA | 1 | 0.6% | 33.3% | $555,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.6% | 100% | $805,000 | View |
Paramount Residential Mortgage
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Conventional | 1 | 0.6% | 100% | $525,000 | |
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Service Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Gray Mortgage Rate Trends
Daily average mortgage rates for Maine compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Gray, Maine
Looking for mortgage lenders near me or mortgage brokers near me in Gray? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Gray in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Gray, ME
Use these to narrow the list above. Each category shows how many Gray, ME lenders fit and what that kind of lender is usually best for.
Who Lends in Gray, ME
Independent mortgage companies closed 51.4 percent of home loans in Gray, Maine in 2025, banks 23.8 percent and credit unions 24.9 percent. CUSO Mortgage Corporation was the largest mortgage company, Norway Savings Bank the largest bank and Cumberland County Federal Credit Union the largest credit union. Among lenders headquartered in Maine, Norway Savings Bank led with 3 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Attorneys customarily handle closings in Maine. State real estate transfer tax of $2.20 per $500 of value ($4.40 per $1,000) split equally between buyer and seller, plus, since November 1, 2025, an extra $3.80 per $500 on the portion of the price above $1 million; no mortgage recording tax.
More Maine Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Gray, ME
By home loans closed in 2025, Norway Savings Bank was the largest mortgage lender in Gray, Maine with 3 loans, about 1.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
8 lenders closed FHA loans in Gray, Maine in 2025, led by United Wholesale Mortgage with 6. 6 lenders closed VA loans, led by United Wholesale Mortgage. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 19 banks and 11 credit unions closed home loans in Gray, Maine in 2025, alongside 24 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Gray, Maine during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Gray, Maine for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Gray. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
