Mortgage Lenders and Brokers in Waterville, 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
Waterville, Maine mortgage lenders include Bangor Savings BankBangor Savings Bank366 Main St, Waterville, ME 04901A+5.0 ★Texas Ratio: 4.53%, The Camden National BankThe Camden National Bank258 Kennedy Memorial Dr, Waterville, ME 04901A+5.0 ★Texas Ratio: 1.50%, TD BankTD Bank182 Main St, Waterville, ME 04901A+5.0 ★Texas Ratio: 3.71%, Kennebec Savings BankKennebec Savings Bank11 Washington St, Waterville, ME 04901A+5.0 ★Texas Ratio: 2.87%, Maine State Credit UnionMaine State Credit Union81 Grove St, Waterville, ME 04901 5826A+5.0 ★Texas Ratio: 5.92%, Acadia Federal Credit UnionAcadia Federal Credit Union131 Main St, Ashland, ME 04732 3432A5.0 ★Texas Ratio: 8.22%, University Credit UnionUniversity Credit Union67 Sewall St, Augusta, ME 04330 6332A+5.0 ★Texas Ratio: 3.82%, Androscoggin BankAndroscoggin Bank12 Subaru Dr, Auburn, ME 04210A+5.0 ★Texas Ratio: 3.70%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA241 Us Route 1, Falmouth, ME 04105A+5.0 ★Texas Ratio: 3.68%, and Cumberland County Federal Credit UnionCumberland County Federal Credit Union101 Gray Rd, Falmouth, ME 04105A+5.0 ★Texas Ratio: 4.81%. 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 Waterville, Maine in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Waterville 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 Waterville, Maine
Market share is the lender's share of all home loans closed in Waterville, 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 Waterville 366 Main St, Waterville, ME 04901 A+5.0 ★Texas Ratio: 4.53% |
Conventional, FHA, USDA, HELOC | 8 +10 HELOCs |
3.8% | 88.9% | $213,750 | View |
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2 offices in Waterville 258 Kennedy Memorial Dr, Waterville, ME 04901 A+5.0 ★Texas Ratio: 1.50% |
Conventional, FHA, USDA, Jumbo, HELOC | 8 +4 HELOCs |
3.8% | 100% | $301,250 | View |
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1 office in Waterville 182 Main St, Waterville, ME 04901 A+5.0 ★Texas Ratio: 3.71% |
FHA, HELOC | 1 +3 HELOCs |
0.5% | 100% | $245,000 | View |
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11 Washington St, Waterville, ME 04901 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 38 +24 HELOCs |
18% | 93.3% | $177,631 | View |
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81 Grove St, Waterville, ME 04901 5826 A+5.0 ★Texas Ratio: 5.92% |
Conventional | 15 | 7.1% | 72.7% | $76,333 | View |
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131 Main St, Ashland, ME 04732 3432 A5.0 ★Texas Ratio: 8.22% |
Conventional | 2 | 0.9% | 100% | $170,000 | View |
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67 Sewall St, Augusta, ME 04330 6332 A+5.0 ★Texas Ratio: 3.82% |
Conventional | 2 | 0.9% | 100% | $110,000 | View |
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12 Subaru Dr, Auburn, ME 04210 A+5.0 ★Texas Ratio: 3.70% |
Conventional | 2 | 0.9% | 100% | $255,000 | View |
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241 Us Route 1, Falmouth, ME 04105 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.5% | 50% | $235,000 | View |
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101 Gray Rd, Falmouth, ME 04105 A+5.0 ★Texas Ratio: 4.81% |
Conventional | 1 | 0.5% | 100% | $135,000 | View |
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100 Minot Ave, Auburn, ME 04210 A+5.0 ★Texas Ratio: 4.93% |
Conventional | 1 | 0.5% | 100% | $125,000 | View |
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110 Maine St, Brunswick, ME 04011 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
CUSO Mortgage Corporation
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Conventional, USDA | 3 | 1.4% | 100% | $165,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 19 | 9% | 90.5% | $249,736 | |
Guild Mortgage Company
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Conventional, FHA | 18 | 8.5% | 86.4% | $240,000 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA, USDA | 12 | 5.7% | 92.3% | $225,000 | |
Nationstar Mortgage
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Conventional, FHA, VA | 6 | 2.8% | 100% | $171,666 | |
Mortgage Research Center
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FHA, VA | 6 | 2.8% | 70% | $236,666 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 5 | 2.4% | 100% | $169,000 | |
Cmg Mortgage Inc
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FHA, VA, USDA | 5 | 2.4% | 83.3% | $277,000 | |
T2 Financial LLC
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Conventional, FHA | 5 | 2.4% | 100% | $249,000 | |
Rocket Mortgage
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Conventional, FHA | 4 | 1.9% | 40% | $110,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional, FHA, VA | 3 | 1.4% | 100% | $311,666 | View |
Total Mortgage Services, LLC
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Conventional, FHA | 3 | 1.4% | 100% | $208,333 | |
New American Funding, LLC.
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Conventional, FHA | 3 | 1.4% | 100% | $215,000 | |
Guaranteed Rate, Inc.
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FHA | 2 | 0.9% | 100% | $240,000 | |
Affordable Mortgage Advisors
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Conventional | 2 | 0.9% | 100% | $230,000 | |
CrossCountry Mortgage, LLC
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Conventional | 2 | 0.9% | 100% | $330,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.9% | 100% | $220,000 | View |
Paramount Residential Mortgage
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Conventional, FHA | 2 | 0.9% | 100% | $245,000 | |
Village Capital & Investment
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VA | 2 | 0.9% | 100% | $235,000 | |
HomeBridge Financial Services, Inc
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FHA, HELOC | 1 +1 HELOCs |
0.5% | 100% | $205,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.5% | 100% | $285,000 | View |
Cornerstone First Mortgage, LLC
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VA | 1 | 0.5% | 100% | $345,000 | |
Guaranteed Rate Affinity, LLC
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FHA | 1 | 0.5% | 100% | $235,000 | |
Freedom Mortgage Corporation
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FHA | 1 | 0.5% | 50% | $135,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.5% | 33.3% | $235,000 | |
Newrez LLC
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Conventional | 1 | 0.5% | 33.3% | $285,000 | |
Movement Mortgage, LLC
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VA | 1 | 0.5% | 100% | $325,000 | |
Loanunited.Com, LLC
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FHA | 1 | 0.5% | 100% | $175,000 | |
loanDepot.com LLC
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FHA | 1 | 0.5% | 100% | $315,000 | |
Nqm Funding, LLC
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Conventional | 1 | 0.5% | 100% | $265,000 | |
Discover Bank
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Conventional | 1 | 0.5% | 25% | $65,000 | |
Greenwood Credit Union
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Conventional | 1 | 0.5% | 100% | $45,000 | |
Nextmortgage, LLC
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FHA | 1 | 0.5% | 100% | $225,000 | |
Embrace Home Loans, Inc.
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Conventional | 1 | 0.5% | 100% | $185,000 | |
Harborone Mortgage, LLC
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USDA | 1 | 0.5% | 100% | $165,000 | |
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A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.5% | 100% | $75,000 | View |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.5% | 100% | $165,000 | View |
Megastar Finanacial Corp
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FHA | 1 | 0.5% | 100% | $325,000 | |
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A5.0 ★Texas Ratio: 8.47% |
FHA | 1 | 0.5% | 100% | $235,000 | View |
Zillow Home Loans, LLC
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Conventional | 1 | 0.5% | 100% | $205,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.5% | 100% | $235,000 | |
Campus USA Credit Union
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Conventional | 1 | 0.5% | 100% | $165,000 | |
Geneva Financial LLC
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Conventional | 1 | 0.5% | 100% | $365,000 | |
Navy Federal Credit Union
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VA | 1 | 0.5% | 100% | $265,000 | |
21St Mortgage
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Conventional | 1 | 0.5% | 50% | $135,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.5% | 20% | $105,000 | |
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A+5.0 ★Texas Ratio: 3.05% |
Conventional | 1 | 0.5% | 100% | $185,000 | |
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Angel Oak Mortgage Solutions LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Waterville 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 Waterville, Maine
Looking for mortgage lenders near me or mortgage brokers near me in Waterville? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Waterville in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Waterville, ME
Use these to narrow the list above. Each category shows how many Waterville, ME lenders fit and what that kind of lender is usually best for.
Who Lends in Waterville, ME
Independent mortgage companies closed 56.4 percent of home loans in Waterville, Maine in 2025, banks 32.2 percent and credit unions 11.4 percent. CUSO Mortgage Corporation was the largest mortgage company, Bangor Savings Bank the largest bank and Maine State Credit Union the largest credit union. Among lenders headquartered in Maine, Bangor Savings Bank led with 8 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 Waterville, ME
By home loans closed in 2025, Bangor Savings Bank was the largest mortgage lender in Waterville, Maine with 8 loans, about 3.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
25 lenders closed FHA loans in Waterville, Maine in 2025, led by Guild Mortgage Company with 12. 11 lenders closed VA loans, led by Mortgage Research Center, and 6 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. 16 banks and 8 credit unions closed home loans in Waterville, Maine in 2025, alongside 38 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 Waterville, 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 Waterville, 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 Waterville. 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.
