Mortgage Lenders and Brokers in Mechanic Falls, 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
Mechanic Falls, Maine mortgage lenders include Dirigo Federal Credit UnionDirigo Federal Credit Union1 Lewiston St, Mechanic Falls, ME 04256, Maine Community BankMaine Community Bank100 Minot Ave, Auburn, ME 04210A+5.0 ★Texas Ratio: 4.93%, Bangor Savings BankBangor Savings Bank170 Turner St, Auburn, ME 04210A+5.0 ★Texas Ratio: 4.53%, Maine Family Federal Credit UnionMaine Family Federal Credit Union831 Minot Ave, Auburn, ME 04210A+5.0 ★Texas Ratio: 1.43%, Norway Savings BankNorway Savings Bank31 Court St, Auburn, ME 04210A+5.0 ★Texas Ratio: 1.63%, The Camden National BankThe Camden National Bank178 Court St, Auburn, ME 04210A+5.0 ★Texas Ratio: 1.50%, Kennebec Savings BankKennebec Savings Bank150 State St, Augusta, ME 04330A+5.0 ★Texas Ratio: 2.87%, TD BankTD Bank10 Great Falls Plz, Auburn, ME 04210A+5.0 ★Texas Ratio: 3.71%, cPort Credit UnioncPort Credit Union399 Western Ave, Augusta, ME 04330A+5.0 ★Texas Ratio: 5.04%, and Maine State Credit UnionMaine State Credit Union200 Capitol St, Augusta, ME 04330 6238A+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 Mechanic Falls, Maine in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Mechanic Falls 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 Mechanic Falls, Maine
Market share is the lender's share of all home loans closed in Mechanic Falls, 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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Dirigo Federal Credit Union
1 Lewiston St, Mechanic Falls, ME 04256 |
Conventional | 26 | 20.8% | 84.4% | $106,153 | |
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100 Minot Ave, Auburn, ME 04210 A+5.0 ★Texas Ratio: 4.93% |
Conventional | 5 | 4% | 62.5% | $91,000 | View |
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170 Turner St, Auburn, ME 04210 A+5.0 ★Texas Ratio: 4.53% |
Conventional, FHA, USDA, HELOC | 4 +3 HELOCs |
3.2% | 100% | $355,000 | View |
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831 Minot Ave, Auburn, ME 04210 A+5.0 ★Texas Ratio: 1.43% |
Conventional | 4 | 3.2% | 100% | $182,500 | View |
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31 Court St, Auburn, ME 04210 A+5.0 ★Texas Ratio: 1.63% |
Conventional, HELOC | 2 +1 HELOCs |
1.6% | 40% | $275,000 | View |
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178 Court St, Auburn, ME 04210 A+5.0 ★Texas Ratio: 1.50% |
Conventional, VA, HELOC | 2 +1 HELOCs |
1.6% | 66.7% | $270,000 | View |
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150 State St, Augusta, ME 04330 A+5.0 ★Texas Ratio: 2.87% |
Conventional | 2 | 1.6% | 100% | $365,000 | View |
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10 Great Falls Plz, Auburn, ME 04210 A+5.0 ★Texas Ratio: 3.71% |
Conventional, HELOC | 1 +2 HELOCs |
0.8% | 50% | $265,000 | View |
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399 Western Ave, Augusta, ME 04330 A+5.0 ★Texas Ratio: 5.04% |
Conventional | 1 | 0.8% | 100% | $395,000 | View |
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200 Capitol St, Augusta, ME 04330 6238 A+5.0 ★Texas Ratio: 5.92% |
Conventional | 1 | 0.8% | 50% | $35,000 | View |
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838 Roosevelt Trl, Naples, ME 04055 A5.0 ★Texas Ratio: 9.45% |
Conventional | 1 | 0.8% | 100% | $225,000 | View |
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312 Main St, Saco, ME 04072 1515 A+5.0 ★Texas Ratio: 2.64% |
Conventional | 1 | 0.8% | 100% | $75,000 | View |
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105 Front St, Bath, ME 04530 A+5.0 ★Texas Ratio: 0.21% |
Conventional | 1 | 0.8% | 100% | $65,000 | View |
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100 Mount Auburn Ave, Auburn, ME 04210 A5.0 ★Texas Ratio: 11.35% |
Conventional | 1 | 0.8% | 33.3% | $55,000 | View |
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802 Sabattus St, Lewiston, ME 04240 A+5.0 ★Texas Ratio: 0.93% |
Conventional | 1 | 0.8% | 100% | $175,000 | View |
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6 Barra Rd, Biddeford, ME 04005 9459 A5.0 ★Texas Ratio: 11.01% |
Conventional | 1 | 0.8% | 100% | $225,000 | View |
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450 Civic Center Dr, Augusta, ME 04330 A+5.0 ★Texas Ratio: 2.09% |
Conventional | 1 | 0.8% | 100% | $495,000 | View |
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12 Subaru Dr, Auburn, ME 04210 A+5.0 ★Texas Ratio: 3.70% |
Conventional | 1 | 0.8% | 100% | $305,000 | View |
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A+5.0 ★Texas Ratio: 3.78% |
Conventional | 1 | 0.8% | 100% | $55,000 | View |
CUSO Mortgage Corporation
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Conventional | 1 | 0.8% | 50% | $265,000 | |
Guild Mortgage Company
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Conventional, FHA, USDA | 13 | 10.4% | 100% | $312,692 | |
Cmg Mortgage Inc
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Conventional, FHA, USDA, HELOC | 7 +2 HELOCs |
5.6% | 100% | $335,000 | |
Rocket Mortgage
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Conventional, VA | 6 | 4.8% | 60% | $301,666 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 5 | 4% | 100% | $355,000 | |
Das Acquisition Company, LLC
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Conventional, FHA | 4 | 3.2% | 100% | $245,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 3 | 2.4% | 75% | $118,333 | |
Nationstar Mortgage
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Conventional | 3 | 2.4% | 100% | $78,333 | |
loanDepot.com LLC
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Conventional, FHA, HELOC | 2 +1 HELOCs |
1.6% | 100% | $120,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 2 | 1.6% | 100% | $200,000 | |
T2 Financial LLC
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Conventional | 2 | 1.6% | 100% | $295,000 | |
Megastar Finanacial Corp
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VA | 2 | 1.6% | 66.7% | $270,000 | |
New American Funding, LLC.
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FHA | 2 | 1.6% | 66.7% | $320,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 1 +1 HELOCs |
0.8% | 100% | $305,000 | View |
Navy Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.8% | 100% | $125,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.8% | 100% | $475,000 | View |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.8% | 50% | $305,000 | |
Freedom Mortgage Corporation
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FHA | 1 | 0.8% | 100% | $285,000 | |
CrossCountry Mortgage, LLC
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FHA | 1 | 0.8% | 66.7% | $75,000 | |
HomeBridge Financial Services, Inc
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Conventional | 1 | 0.8% | 100% | $575,000 | |
Total Mortgage Services, LLC
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Conventional | 1 | 0.8% | 100% | $215,000 | |
American Pacific Mortgage Corporation
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FHA | 1 | 0.8% | 100% | $255,000 | |
Mortgage Research Center
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VA | 1 | 0.8% | 50% | $495,000 | |
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A5.0 ★Texas Ratio: 8.47% |
FHA | 1 | 0.8% | 100% | $405,000 | View |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.8% | 33.3% | $355,000 | |
Lower, LLC
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FHA | 1 | 0.8% | 50% | $215,000 | |
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★ 1.7 stars, 3 reviews A+5.0 ★Texas Ratio: 4.24% |
Conventional | 1 | 0.8% | 100% | $325,000 | View |
Fairway Independent Mort Corp
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Conventional | 1 | 0.8% | 50% | $225,000 | |
Ark-La-Tex Financial Services LLC
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FHA | 1 | 0.8% | 100% | $275,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Harvard Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Mechanic Falls 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 Mechanic Falls, Maine
Looking for mortgage lenders near me or mortgage brokers near me in Mechanic Falls? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Mechanic Falls in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Mechanic Falls, ME
Use these to narrow the list above. Each category shows how many Mechanic Falls, ME lenders fit and what that kind of lender is usually best for.
Who Lends in Mechanic Falls, ME
Independent mortgage companies closed 52 percent of home loans in Mechanic Falls, Maine in 2025, banks 16.8 percent and credit unions 31.2 percent. CUSO Mortgage Corporation was the largest mortgage company, Maine Community Bank the largest bank and Dirigo Federal Credit Union the largest credit union. Among lenders headquartered in Maine, Dirigo Federal Credit Union led with 26 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 Mechanic Falls, ME
By home loans closed in 2025, Dirigo Federal Credit Union was the largest mortgage lender in Mechanic Falls, Maine with 26 loans, about 20.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
16 lenders closed FHA loans in Mechanic Falls, Maine in 2025, led by Guild Mortgage Company with 3. 5 lenders closed VA loans, led by Rocket Mortgage, 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. 12 banks and 12 credit unions closed home loans in Mechanic Falls, Maine in 2025, alongside 27 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 Mechanic Falls, 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 Mechanic Falls, 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 Mechanic Falls. 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.
