# Bar Harbor Bank & Trust

> **Canonical URL:** https://saferate.com/lenders/bar-harbor-bank-trust


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Bar Harbor Bank & Trust is a bank, headquartered in BAR HARBOR, ME, serving borrowers across 7 states, with 220 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 50% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 50% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300VR3QTN4GZYUR03
- **Headquarters:** BAR HARBOR, ME
- **Geographic Reach:** Multi-Region
- **States Served:** 7
- **State List:** CT, FL, MA, ME, NH, RI, VT
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 50/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 50/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.480%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,436
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 220
- **Dollar Volume:** $78 million
- **Applications Received:** 342
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $352,318
- **Average Borrower Income:** $176,659
- **Average Property Value:** $536,045

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 48/100 | 206 | +0.458% | $1,449 | Sound ☺️ |
| Jumbo | 43/100 | 14 | +1.799% | $688 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 171 loans, Score: 47/100 (Sound)
- Refinance: 35 loans, Score: 44/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 48/100 | 185 | $70M | +0.495% | Sound ☺️ |
| Refinance | 42/100 | 35 | $8M | +0.410% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NH | 107 | 0.69% | 76/100 |
| ME | 82 | 0.53% | 70/100 |
| VT | 22 | 0.38% | 54/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 153 | 65/100 |
| Manchester | NH | 35 | 68/100 |
| Rockingham County | NH | 13 | 49/100 |

## Where This Lender Ranks

Bar Harbor Bank & Trust appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#6** in Manchester Banks
  - [View Full Rankings](https://saferate.com/manchester/best-mortgage-lenders/banks)
- 🏆 **#14** in New Hampshire for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-hampshire/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#14** in Manchester for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/manchester/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#16** in Maine for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/maine/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#16** in Vermont Banks
  - [View Full Rankings](https://saferate.com/vermont/best-mortgage-lenders/banks)
- 🏆 **#17** in New Hampshire Banks
  - [View Full Rankings](https://saferate.com/new-hampshire/best-mortgage-lenders/banks)
- 🏆 **#17** in Rockingham County for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/rockingham-county/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#18** in New Hampshire for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-hampshire/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#18** in Maine for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/maine/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#18** in Vermont for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/vermont/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Bar Harbor Bank & Trust offer?

Bar Harbor Bank & Trust offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Bar Harbor Bank & Trust offer mortgages?

Bar Harbor Bank & Trust offers mortgages in 7 states: CT, FL, MA, ME, NH, RI, VT.

### How competitive are Bar Harbor Bank & Trust's mortgage rates?

Bar Harbor Bank & Trust has a pricing score of 50/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.480% above market average.

### What type of lender is Bar Harbor Bank & Trust?

Bar Harbor Bank & Trust is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in BAR HARBOR, ME.

### What is Bar Harbor Bank & Trust's loan approval success rate?

Bar Harbor Bank & Trust has a pull-through score of 50/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/bar-harbor-bank-trust

### How to Cite

> "Bar Harbor Bank & Trust Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/bar-harbor-bank-trust

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