Mortgage Lenders and Brokers in Houlton, 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
Houlton, Maine mortgage lenders include Katahdin Trust CompanyKatahdin Trust Company20 Katahdin Ln, Houlton, ME 04730A+5.0 ★Texas Ratio: 4.07%, Machias Savings BankMachias Savings Bank138 North St, Houlton, ME 04730A+5.0 ★Texas Ratio: 3.11%, Bangor Savings BankBangor Savings Bank38 Court St, Houlton, ME 04730A+5.0 ★Texas Ratio: 4.53%, Keybank National AssociationKeybank National Association32 Market Sq, Houlton, ME 04730A+5.0 ★Texas Ratio: 4.81%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA241 Us Route 1, Falmouth, ME 04105A+5.0 ★Texas Ratio: 3.68%, Acadia Federal Credit UnionAcadia Federal Credit Union131 Main St, Ashland, ME 04732 3432A5.0 ★Texas Ratio: 8.22%, TD BankTD Bank6 North St, Houlton, ME 04730A+5.0 ★Texas Ratio: 3.71%, The County Federal CreditUnionThe County Federal CreditUnionCaribou, ME, Rocket Mortgage, and Mortgage Research Center. 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 Houlton, Maine in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Houlton 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 Houlton, Maine
Market share is the lender's share of all home loans closed in Houlton, 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 Houlton 20 Katahdin Ln, Houlton, ME 04730 A+5.0 ★Texas Ratio: 4.07% |
Conventional | 13 | 18.6% | 81.2% | $156,538 | View |
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1 office in Houlton 138 North St, Houlton, ME 04730 A+5.0 ★Texas Ratio: 3.11% |
Conventional, USDA, HELOC | 6 +6 HELOCs |
8.6% | 54.5% | $91,666 | View |
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1 office in Houlton 38 Court St, Houlton, ME 04730 A+5.0 ★Texas Ratio: 4.53% |
Conventional, USDA, HELOC | 5 +6 HELOCs |
7.1% | 83.3% | $161,000 | View |
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1 office in Houlton 32 Market Sq, Houlton, ME 04730 A+5.0 ★Texas Ratio: 4.81% |
Conventional, HELOC | 1 +2 HELOCs |
1.4% | 33.3% | $135,000 | View |
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241 Us Route 1, Falmouth, ME 04105 A+5.0 ★Texas Ratio: 3.68% |
FHA | 1 | 1.4% | 50% | $205,000 | View |
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131 Main St, Ashland, ME 04732 3432 A5.0 ★Texas Ratio: 8.22% |
Conventional | 1 | 1.4% | 100% | $225,000 | View |
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6 North St, Houlton, ME 04730 A+5.0 ★Texas Ratio: 3.71% |
Conventional | 1 | 1.4% | 100% | $115,000 | View |
The County Federal CreditUnion
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Conventional | 9 | 12.9% | 60% | $70,555 | |
Rocket Mortgage
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Conventional, FHA | 5 | 7.1% | 55.6% | $141,000 | |
Mortgage Research Center
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FHA, VA | 5 | 7.1% | 100% | $225,000 | |
Newrez LLC
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Conventional, FHA, USDA | 4 | 5.7% | 80% | $165,000 | |
Navy Federal Credit Union
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Conventional, VA | 3 | 4.3% | 100% | $208,333 | |
New Day Financial, LLC.
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VA | 2 | 2.9% | 100% | $160,000 | |
United Wholesale Mortgage
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Conventional, HELOC | 1 +1 HELOCs |
1.4% | 100% | $105,000 | |
Fourleaf Federal Credit Union
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Conventional | 1 | 1.4% | 100% | $155,000 | |
Lakeview Loan Servicing, LLC
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VA | 1 | 1.4% | 100% | $325,000 | |
Freedom Mortgage Corporation
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VA | 1 | 1.4% | 100% | $245,000 | |
Pennymac Loan Services LLC
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FHA | 1 | 1.4% | 50% | $295,000 | |
Guild Mortgage Company
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FHA | 1 | 1.4% | 100% | $165,000 | |
Cmg Mortgage Inc
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Conventional | 1 | 1.4% | 100% | $135,000 | |
Real Genius LLC
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Conventional | 1 | 1.4% | 100% | $135,000 | |
Total Mortgage Services, LLC
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Conventional | 1 | 1.4% | 100% | $165,000 | |
Planet Home Lending, LLC
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VA | 1 | 1.4% | 100% | $165,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 1.4% | 100% | $85,000 | |
New American Funding, LLC.
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FHA | 1 | 1.4% | 50% | $255,000 | |
Leaderone Financial Corp.
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Conventional | 1 | 1.4% | 100% | $215,000 | |
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A+5.0 ★Texas Ratio: 2.82% |
Conventional | 1 | 1.4% | 100% | $155,000 | View |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Houlton 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 Houlton, Maine
Looking for mortgage lenders near me or mortgage brokers near me in Houlton? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Houlton in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Houlton, ME
Use these to narrow the list above. Each category shows how many Houlton, ME lenders fit and what that kind of lender is usually best for.
Who Lends in Houlton, ME
Independent mortgage companies closed 40 percent of home loans in Houlton, Maine in 2025, banks 40 percent and credit unions 20 percent. Rocket Mortgage was the largest mortgage company, Katahdin Trust Company the largest bank and Acadia Federal Credit Union the largest credit union. Among lenders headquartered in Maine, Katahdin Trust Company led with 13 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 Houlton, ME
By home loans closed in 2025, Katahdin Trust Company was the largest mortgage lender in Houlton, Maine with 13 loans, about 18.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
7 lenders closed FHA loans in Houlton, Maine in 2025, led by Rocket Mortgage with 3. 6 lenders closed VA loans, led by Mortgage Research Center, and 3 closed USDA rural loans. 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. 7 banks and 5 credit unions closed home loans in Houlton, Maine in 2025, alongside 17 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 Houlton, 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 Houlton, 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 Houlton. 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.
