Lowest closing cost mortgage lenders in Penobscot County County, Maine
In Penobscot County, Maine, homebuyers paid a median of $4,854 in closing costs in 2024 — near the Maine median of $4,783. The county saw 1,244 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, UNITED WHOLESALE MORTGAGE, LLC offered the lowest median costs at $3,022, which is $2,353 less than the county median.
Homebuyers in Penobscot County County who chose UNITED WHOLESALE MORTGAGE, LLC paid $1,832 less in closing costs than the county median.
County Median Costs
$4,854
+1.5% vs Maine ($4,783)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$1,477
Purchase Originations
1,244
vs Maine Median
1.5% above
$71
vs National Median
28.0% below
$-1,887
Lender rankings in Penobscot County County
18 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,030 | 6.500% | $1,025 | 163 | −$772 | |
| 2 | $3,340 | 6.875% | $1,191 | 10 | −$462 | |
| 3 | $3,366 | 6.625% | $1,275 | 30 | −$436 | |
| 4 | $3,563 | 6.938% | $1,100 | 18 | −$239 | |
| 5 | $3,570 | 7.000% | $1,275 | 50 | −$232 | |
| 6 | $3,629 | 6.875% | $1,362 | 16 | −$173 | |
| 7 | $3,798 | 6.625% | $1,520 | 41 | −$4 | |
| 8 | $3,901 | 6.750% | $1,135 | 36 | +$99 | |
| 9 | $4,051 | 6.990% | $1,395 | 66 | +$249 | |
| 10 | $4,184 | 6.495% | $1,842 | 26 | +$382 | |
| 11 | $4,276 | 6.938% | $2,266 | 10 | +$474 | |
| 12 | $4,756 | 6.990% | $2,939 | 30 | +$954 | |
| 13 | $4,803 | 6.750% | $2,211 | 12 | +$1,001 | |
| 14 | $4,823 | 6.990% | $2,503 | 15 | +$1,021 | |
| 15 | $4,838 | 6.990% | $2,655 | 13 | +$1,036 | |
| 16 | $5,896 | 6.999% | $3,301 | 58 | +$2,094 | |
| 17 | $6,737 | 7.125% | $4,175 | 25 | +$2,935 |
Includes lenders with 10+ purchase originations in Penobscot County County. Source: HMDA 2024. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Maine → Lender Directory
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.