Maine · Q1 2026
What Maine borrowers paid in mortgage closing costs in 2025, drawn from FFIEC HMDA filings across 322 lenders.
Published 2026-04-29.
Maine · headline
The gap between Maine's lowest- and highest-cost ranked lenders in 2025 was $5,561 on a typical loan — borrowers using United Wholesale Mortgage paid roughly 873% more than borrowers using Atlantic Regional Federal Credit Union on similar loans.
Source: FFIEC HMDA 2025 (n=20,387)
In 2025, 322 mortgage lenders originated 20,387 reportable loans in Maine according to FFIEC HMDA data. The median borrower paid $4,891 in total loan costs. That is 15.3% above the national median across all 50 states and DC.
Maine's median total loan cost was $4,891, 15.3% above the national median of $4,242. On a typical loan, that translates to roughly $649 more than borrowers paid in the average state.
Atlantic Regional Federal Credit Union posted the lowest median total loan costs at $637, 87.0% below the Maine median. Across the ranked lenders, 9 earned an A grade against peer averages and 0 fell to D or F.
Lower bars = lower median total loan costs. Hover (or tap) bars for sample size and grade. Bar color groups lenders into cost quartiles.
Lenders below 30 records in Maine are excluded from this ranking. See full methodology.
Same 10 lenders as the chart above, ranked here by 2025 HMDA loan count.
| # | Lender | Median total cost | Median origination | Reports | Grade |
|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage | $6,199 | $2,350 | 1,911 | C |
| 2 | Rocket Mortgage | $5,733 | $3,744 | 1,774 | C |
| 3 | Bangor Savings Bank | $3,735 | $1,250 | 1,425 | A |
| 4 | Guild Mortgage | $4,984 | $1,923 | 1,259 | A |
| 5 | CMG Financial | $4,498 | $1,670 | 1,237 | A |
| 6 | The Camden National Bank | $3,999 | $1,135 | 765 | A |
| 7 | Mortgage Research Center, LLC | $4,220 | $2,995 | 507 | A |
| 8 | Atlantic Regional Federal Credit Union | $637 | $1,500 | 379 | A |
| 9 | Fairway Independent Mortgage | $5,861 | $1,695 | 375 | C |
| 10 | New American Funding | $5,304 | $1,765 | 366 | B |
Maine median total loan cost
Maine borrowers paid a median $4,891 in total loan costs in 2025, based on 20,387 HMDA-reported loans across 322 lenders.
FFIEC HMDA 2025
Lender spread in Maine
In Maine, the gap between Atlantic Regional Federal Credit Union ($637 median) and United Wholesale Mortgage ($6,199 median) was $5,561 on a typical 2025 loan.
FFIEC HMDA 2025
Maine vs. national
Maine closing costs ran 15.3% above the national median ($4,242) in 2025.
FFIEC HMDA 2025
The median origination charge in Maine was $1,868, with the typical lender clustering tightly around that figure. Discount points appeared on 43% of loans, with a median paid amount of $2,129 when present — meaningful enough that shoppers should ask whether quoted points actually buy down their rate cost-effectively. Lender credits offsetting closing costs were issued on 32% of loans, with a median credit of $386.
Avg $3,566
Median $2,129 when present
Median $386 when issued
HMDA itemizes origination, discount points, and lender credits. Title insurance, recording fees, and transfer tax (relevant in Maine) are not separately reported in HMDA — see our state benchmark page for those. See full methodology.
Related pages for Maine
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