DSCR Loans in Maine
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
Dominick Prevete arranges DSCR loans across Maine, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. In 2025 HMDA data, 196 lenders made 1,783 investment-property loans in Maine; the most active are in the table below, and 6 counties have their own page.
Maine investor market at a glance
| Statistic | Maine | National | State rank |
|---|---|---|---|
| Investor loans | 1,783 | 553,332 | 42nd of 51 |
| Reporting lenders | 196 | 4,120 | 44th of 51 |
| Loan volume | $571.4M | $190.57B | 42nd of 51 |
| Average loan | $320K | $344K | 23rd of 51 |
| Median loan | $265K | — | 19th of 51 |
| Purchases | 60.9% | 59.2% | 25th of 51 |
| Cash-out refinances | 14.9% | 18.8% | 35th of 51 |
| 2–4 unit properties | 35.6% | 17.3% | 8th of 51 |
| Top five lenders' share | 27.0% | 21.9% | 12th of 51 |
| Reported business-purpose | 69.3% | 70.8% | 24th of 51 |
Maine: closed-end loans on 1–4 unit investment properties. Rank is highest first among the 50 states and DC. The national figures are totals for loans and volume, distinct filers for lenders, and loan-weighted averages for every share; a median does not combine across states.
What stands out in Maine
35.6% of Maine's investor loans financed a 2–4 unit property, the 8th-highest share of the 50 states and DC (national figure: 17.3%).
2–4 unit properties are common here. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
The five most active lenders wrote 27.0% of Maine's investor loans, the 12th-highest share of the 50 states and DC (national figure: 21.9%).
Five lenders write 27.0% of the loans here, so comparing written term sheets matters more.
Who are the DSCR and investment-property lenders in Maine?
The most active investment-property lenders in Maine in 2025 HMDA data were United Wholesale Mortgage, Bangor Savings Bank and Maine Community Bank, out of 196 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including several that reported in Maine, and matches each file to the one most likely to fund it.
Every year, lenders report their originations under the Home Mortgage Disclosure Act. We filtered Maine's 2025 filings to closed-end loans on 1–4 unit investment properties: 1,783 loans totaling $0.57B across 196 lenders. These were the most active.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| United Wholesale Mortgage | 118 | $38.3M | $324K | 66.9% |
| Bangor Savings Bank | 111 | $33.5M | $301K | 75.7% |
| Maine Community Bank | 93 | $23.9M | $257K | 60.2% |
| The Camden National Bank | 91 | $30.3M | $332K | 68.1% |
| GUILD MORTGAGE COMPANY | 69 | $22.0M | $319K | 76.8% |
| Machias Savings Bank | 65 | $15.7M | $241K | 67.7% |
| First National Bank | 61 | $14.6M | $239K | 60.7% |
| Kennebec Savings Bank | 56 | $10.9M | $195K | 60.7% |
| Rocket Mortgage, LLC | 49 | $13.9M | $283K | 28.6% |
| CMG MORTGAGE, INC. | 39 | $12.5M | $320K | 66.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 34 | $14.8M | $434K | 76.5% |
| GUARANTEED RATE, INC. | 32 | $11.6M | $363K | 75.0% |
| Androscoggin Savings Bank | 32 | $11.2M | $349K | 62.5% |
| Norway Savings Bank | 30 | $11.4M | $379K | 70.0% |
| Kennebunk Savings Bank | 28 | $13.0M | $463K | 75.0% |
| Maine State Credit Union | 28 | $7.3M | $262K | 75.0% |
| TOTAL MORTGAGE SERVICES, LLC | 26 | $8.5M | $327K | 65.4% |
| Saco & Biddeford Savings Institution | 24 | $8.7M | $360K | 75.0% |
| Broker Solutions, Inc. | 22 | $6.9M | $312K | 63.6% |
| Acadia Federal Credit Union | 22 | $1.3M | $61K | 36.4% |
| Skowhegan Savings Bank | 21 | $7.9M | $378K | 76.2% |
| Katahdin Trust Company | 20 | $6.0M | $300K | 65.0% |
| Kiavi Funding, Inc. | 20 | $5.3M | $265K | 20.0% |
| Hometown Equity Mortgage, LLC | 19 | $7.1M | $375K | 36.8% |
| NORTHPOINT MORTGAGE, INC. | 19 | $6.7M | $352K | 73.7% |
Source: 2025 HMDA loan-level data (CFPB/FFIEC Data Browser), retrieved November 11, 2026. Updated annually. See how this data is built or download the full dataset (CSV) — all 196 reporting lenders with every underlying figure. Researching the market rather than financing a property? The Maine lending data page covers this table on its own.
What this table can't show you: fit. HMDA exempts short-term financing, so fix-and-flip and bridge lenders barely appear here — and no federal dataset knows which lender's guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders — including some on this list — so it lands with the one most likely to fund it.
Price your loan →Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.
DSCR loans by county in Maine
Each county page compares the county's 2025 HMDA investor-lending figures with Maine's and names its most active lenders. Counties are listed by investor loan count.
6 Maine counties have their own page so far.
- York County358 loans
- Cumberland County343 loans
- Penobscot County193 loans
- Kennebec County192 loans
- Androscoggin County107 loans
- Oxford County102 loans
- Hancock County (fewer than 100 investor loans in 2025)72 loans
- Somerset County (fewer than 100 investor loans in 2025)65 loans
- Sagadahoc County (fewer than 100 investor loans in 2025)57 loans
- Franklin County (fewer than 100 investor loans in 2025)52 loans
- Knox County (fewer than 100 investor loans in 2025)46 loans
- Lincoln County (fewer than 100 investor loans in 2025)46 loans
- Aroostook County (fewer than 100 investor loans in 2025)42 loans
- Waldo County (fewer than 100 investor loans in 2025)40 loans
- Washington County (fewer than 100 investor loans in 2025)30 loans
- Piscataquis County (fewer than 100 investor loans in 2025)26 loans
Run the coverage test on your Maine deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Maine property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Maine's at-a-glance figures, its rank among the 50 states and DC, its observations and the Quick Read's 196 lenders and 1,783 loans: 2025 HMDA loan-level data.
- Maine investor-lender dataset (CSV) — Every Maine lender behind the table above, with volume, average loan and purchase share for each.
- Maine investor lending data, Dominick Prevete — The Maine table on its own, with the state's concentration figures and the method behind them.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.