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 score and performance metrics.

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 an overall pricing score of 49.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Bar Harbor Bank & Trust?

Bar Harbor Bank & Trust is a Bank headquartered in BAR HARBOR, ME.

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Bar Harbor Bank & Trust

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Bar Harbor Bank & Trust has 220 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional · Jumbo

Place

Sound

3/5

Multi-Region · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Explore another lender or local market

Report Card

Bar Harbor Bank & Trust performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+48.0 bps above market avg

3/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

206 loans · 0.46% above market

Sound

Top 60% of lenders

3/5

Jumbo

14 loans · 1.80% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

185 loans · 0.49% above market

Sound

Top 60% of lenders

3/5

Refinance

35 loans · 0.41% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 3 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Sound	Sound	206	93.6%	+0.458%Above	$1,449Fees
Jumbo Loans	Acceptable	Sound	—	Acceptable	14	6.4%	+1.799%Above	$688Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume206

Mix93.6%

Spread

+0.458%Above

Fees

$1,449Fees

Jumbo Loans

Overall

Acceptable

Product

Sound

Pricing—

Pull Through

Acceptable

Volume14

Mix6.4%

Spread

+1.799%Above

Fees

$688Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Acceptable	185	84.1%	+0.495%Above	$1,459Fees
Refinance	Sound	Sound	Strong	Sound	35	15.9%	+0.410%Above	$1,331Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Acceptable

Volume185

Mix84.1%

Spread

+0.495%Above

Fees

$1,459Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume35

Mix15.9%

Spread

+0.410%Above

Fees

$1,331Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

220

Applications

342

Volume

$77 million

Pricing & Closing

Avg Rate Spread

+0.480%

vs. market APOR

Avg Net Fees

$1,436

Origination − Credits

Pullthrough Rate

64.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$352,318

Avg Borrower Income

$176,659

Avg Property Value

$536,045

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

7Full-year 2024 · HMDA

Loans originated

< 2020–100100+None

Northeast6

CTMEMANHRIVT

South1

Top Metro Areas by Place Specialization Score

Manchester, NHMetro

Volume 35Mix 15.91% of portfolio

68/100

Strong

Rockingham County, NHMetro

Volume 13Mix 5.91% of portfolio

49/100

Sound

Top States by Place Specialization Score

New HampshireState

Volume 107Mix 48.64% of portfolio

76/100

Strong

MaineState

Volume 82Mix 37.27% of portfolio

70/100

Strong

VermontState

Volume 22Mix 10.00% of portfolio

54/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.