The Lenders Community Survey gathers homeowners feedback and 96 lender recommendations for Maine homeowners. Shopping for a mortgage refinance loan can be complicated and we gathered data to help your choice.
Updated: May 2, 2025
<< Human Powered Recommendations >>
Maine Top Lenders for Home Refinance Loans
Portland, Lewiston, Bangor, South Portland, Auburn, Biddeford, Sanford, Saco, Online lenders.
Recommendations are gathered from 798 local Maine members who shopped and requested a home refinance mortgage in the past 12 months:
- – Loan Application (0 to 5): How easy it is to apply for the home refinance mortgage loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- – Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- – Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home refinance?
- – Recommendation (yes/no): Do you recommend this lender after going through the process?
More Loan Information for Maine Homeowners:
Home Refinance Loan Calculator
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
More Maine Homeowners Resources.
Portland Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Portland’s area are Bangor Savings Bank, Northeast Credit Union and TD Bank.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Bangor Savings Bank | Community Bank | 4.5 | 4.5 | 5.0 | 94% |
| Northeast Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 92% |
| TD Bank | Bank | 4.0 | 4.5 | 4.5 | 90% |
| Camden National Bank | Community Bank | 4.0 | 4.0 | 4.5 | 88% |
| Bank of America | Bank | 4.0 | 4.0 | 4.0 | 86% |
| M&T Bank | Bank | 4.0 | 4.0 | 4.0 | 85% |
| Five County Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 84% |
| Wells Fargo | Bank | 3.5 | 4.0 | 4.0 | 83% |
| Kennebec Savings Bank | Community Bank | 3.5 | 4.0 | 4.0 | 82% |
| Bar Harbor Bank & Trust | Community Bank | 4.0 | 3.5 | 4.0 | 81% |
| Citizens Bank | Bank | 3.5 | 4.0 | 4.0 | 80% |
| Gorham Savings Bank | Community Bank | 3.5 | 3.5 | 4.0 | 79% |
| Machias Savings Bank | Community Bank | 4.0 | 3.5 | 4.0 | 78% |
| KeyBank | Bank | 3.5 | 3.5 | 4.0 | 77% |
| Katahdin Trust Company | Community Bank | 3.5 | 3.5 | 3.5 | 76% |
Lewiston Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Lewiston’s area are Androscoggin Bank, Lewiston Municipal Federal Credit Union and Northeast Credit Union.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Androscoggin Bank | Community Bank | 4.5 | 4.5 | 5.0 | 93% |
| Lewiston Municipal Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 91% |
| Northeast Credit Union | Credit Union | 4.0 | 4.5 | 4.5 | 89% |
| Mechanics Savings Bank | Community Bank | 4.0 | 4.0 | 4.5 | 87% |
| Bangor Savings Bank | Community Bank | 4.0 | 4.0 | 4.0 | 85% |
| TD Bank | Bank | 3.5 | 4.0 | 4.0 | 82% |
| Camden National Bank | Community Bank | 3.5 | 4.0 | 4.0 | 81% |
| Franklin Savings Bank | Community Bank | 4.0 | 3.5 | 4.0 | 80% |
| Oxford Federal Credit Union | Credit Union | 4.0 | 3.5 | 4.0 | 79% |
| Kennebec Savings Bank | Community Bank | 3.5 | 3.5 | 4.0 | 78% |
Bangor Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Bangor’s area are Bangor Savings Bank, Penobscot County Federal Credit Union and Machias Savings Bank.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Bangor Savings Bank | Community Bank | 4.5 | 4.5 | 5.0 | 94% |
| Penobscot County Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 92% |
| Machias Savings Bank | Community Bank | 4.0 | 4.5 | 4.5 | 90% |
| Bar Harbor Bank & Trust | Community Bank | 4.0 | 4.0 | 4.5 | 88% |
| Northeast Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 86% |
| Camden National Bank | Community Bank | 3.5 | 4.0 | 4.0 | 84% |
| TD Bank | Bank | 3.5 | 4.0 | 4.0 | 82% |
| Katahdin Trust Company | Community Bank | 4.0 | 3.5 | 4.0 | 81% |
| First National Bank | Community Bank | 3.5 | 3.5 | 4.0 | 79% |
| Franklin Savings Bank | Community Bank | 3.5 | 3.5 | 3.5 | 77% |
South Portland Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in South Portland’s area are Bangor Savings Bank, Northeast Credit Union and People’s United Bank (Now M&T Bank).
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Bangor Savings Bank | Community Bank | 4.5 | 4.5 | 5.0 | 93% |
| Northeast Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 91% |
| People’s United Bank (Now M&T Bank) | Bank | 4.0 | 4.5 | 4.5 | 89% |
| Camden National Bank | Community Bank | 4.0 | 4.0 | 4.5 | 87% |
| TD Bank | Bank | 4.0 | 4.0 | 4.0 | 85% |
| Five County Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 84% |
| Kennebec Savings Bank | Community Bank | 3.5 | 4.0 | 4.0 | 82% |
| Bar Harbor Bank & Trust | Community Bank | 4.0 | 3.5 | 4.0 | 80% |
| Saco & Biddeford Savings Institution | Community Bank | 3.5 | 3.5 | 4.0 | 79% |
| Gorham Savings Bank | Community Bank | 3.5 | 3.5 | 3.5 | 77% |
Auburn Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Auburn’s area are Androscoggin Bank, Lewiston Municipal Federal Credit Union and Mechanics Savings Bank.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Androscoggin Bank | Community Bank | 4.5 | 4.5 | 5.0 | 94% |
| Lewiston Municipal Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 92% |
| Mechanics Savings Bank | Community Bank | 4.0 | 4.5 | 4.5 | 90% |
| Northeast Credit Union | Credit Union | 4.0 | 4.0 | 4.5 | 88% |
| Bangor Savings Bank | Community Bank | 4.0 | 4.0 | 4.0 | 86% |
| TD Bank | Bank | 3.5 | 4.0 | 4.0 | 84% |
| Camden National Bank | Community Bank | 3.5 | 4.0 | 4.0 | 82% |
| Oxford Federal Credit Union | Credit Union | 4.0 | 3.5 | 4.0 | 80% |
| Franklin Savings Bank | Community Bank | 3.5 | 3.5 | 4.0 | 78% |
| Kennebec Savings Bank | Community Bank | 3.5 | 3.5 | 3.5 | 76% |
Biddeford Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Biddeford’s area are Saco & Biddeford Savings Institution, Northeast Credit Union and Bangor Savings Bank.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Saco & Biddeford Savings Institution | Community Bank | 4.5 | 4.5 | 5.0 | 95% |
| Northeast Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 92% |
| Bangor Savings Bank | Community Bank | 4.0 | 4.5 | 4.5 | 90% |
| Five County Credit Union | Credit Union | 4.0 | 4.0 | 4.5 | 88% |
| Camden National Bank | Community Bank | 4.0 | 4.0 | 4.0 | 86% |
| TD Bank | Bank | 3.5 | 4.0 | 4.0 | 83% |
| Gorham Savings Bank | Community Bank | 3.5 | 3.5 | 4.0 | 81% |
Sanford Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Sanford’s area are York County Federal Credit Union, Kennebunk Savings Bank and Northeast Credit Union.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| York County Federal Credit Union | Credit Union | 4.5 | 4.5 | 5.0 | 94% |
| Kennebunk Savings Bank | Community Bank | 4.5 | 4.5 | 4.5 | 92% |
| Northeast Credit Union | Credit Union | 4.0 | 4.5 | 4.5 | 90% |
| Bangor Savings Bank | Community Bank | 4.0 | 4.0 | 4.5 | 88% |
| Sanford Institution for Savings | Community Bank | 4.0 | 4.0 | 4.0 | 86% |
| TD Bank | Bank | 3.5 | 4.0 | 4.0 | 83% |
| Camden National Bank | Community Bank | 3.5 | 3.5 | 4.0 | 81% |
Saco Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Saco’s area are Saco & Biddeford Savings Institution, Northeast Credit Union and Five County Credit Union.
| Lenders | Type | Easy Application (0-5) | Loan Terms & Rate Satisfaction (0-5) | Support & Guidance (0-5) | Recommend % |
|---|---|---|---|---|---|
| Saco & Biddeford Savings Institution | Community Bank | 4.5 | 4.5 | 5.0 | 95% |
| Northeast Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 92% |
| Five County Credit Union | Credit Union | 4.0 | 4.5 | 4.5 | 90% |
| Bangor Savings Bank | Community Bank | 4.0 | 4.0 | 4.5 | 88% |
| Kennebunk Savings Bank | Community Bank | 4.0 | 4.0 | 4.0 | 86% |
| TD Bank | Bank | 3.5 | 4.0 | 4.0 | 83% |
| Camden National Bank | Community Bank | 3.5 | 3.5 | 4.0 | 81% |
Best New Hampshire Online Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended online refinance lenders in Maine’s are Rocket Mortgage, Better Mortgage and Bangor Savings Bank.
| Lender (name) | Loan Amounts (range) | APR Range (current market rates) | Loan Terms (years offered) | Easy Application | Rate Satisfaction | Support and Guidance | Recommend % (from 0-100%) |
|---|---|---|---|---|---|---|---|
| Rocket Mortgage | $50,000 – $3,000,000 | 5.78% – 7.28% | 10, 15, 20, 30 | 5 | 4.5 | 5 | 96% |
| Better Mortgage | $50,000 – $2,000,000 | 5.82% – 7.32% | 10, 15, 20, 30 | 5 | 4 | 4.5 | 93% |
| Bangor Savings Bank | $50,000 – $1,500,000 | 5.75% – 7.20% | 15, 20, 30 | 4.5 | 4.5 | 4.5 | 91% |
| SoFi | $50,000 – $3,000,000 | 5.92% – 7.42% | 10, 15, 20, 30 | 4.5 | 4 | 4 | 88% |
| Northeast Bank | $50,000 – $1,000,000 | 5.80% – 7.25% | 15, 20, 30 | 4 | 4.5 | 4.5 | 87% |
| Camden National Bank | $50,000 – $1,500,000 | 5.85% – 7.30% | 15, 20, 30 | 4 | 4 | 4.5 | 86% |
| Chase Bank | $50,000 – $3,000,000 | 6.02% – 7.52% | 10, 15, 20, 30 | 4 | 4 | 4 | 84% |
| TD Bank | $50,000 – $2,000,000 | 6.05% – 7.50% | 10, 15, 20, 30 | 4 | 3.5 | 4 | 83% |
| U.S. Bank | $50,000 – $2,500,000 | 6.08% – 7.58% | 10, 15, 20, 30 | 4 | 3.5 | 4 | 82% |
| Bar Harbor Bank & Trust | $50,000 – $1,000,000 | 5.90% – 7.35% | 15, 20, 30 | 4 | 4 | 4 | 81% |
Related Articles
Home Mortgage Refinance
