Bar Harbor Bank & Trust
Bar Harbor Bank & Trust received 972 applications in 2025 and made 579 mortgages, in 41 counties across 6 states. The median rate its borrowers got was 7.250% on a median loan of $185,000. Of 783 decisions, 200 were denials — 25.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300VR3QTN4GZYUR03 |
|---|---|
| Applications received | 972 |
| Mortgages made | 579 |
| Denied | 200 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 189 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.24 points |
| FDIC-insured bank | Yes: Bar Harbor Bank & Trust, 62 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 197 | 6.750% | $315,000 | 12.8% |
| Refinancing | 108 | 7.500% | $165,000 | 18.7% |
| Cash-out refinancing | 35 | 6.625% | $195,000 | 44.4% |
| Other purposes | 239 | 7.500% | $105,000 | 32.8% |
Where Bar Harbor Bank & Trust lends most
The 41 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Hancock County, ME | 103 | 7.250% | 26.4% |
| Hillsborough County, NH | 75 | 7.000% | 25.0% |
| Merrimack County, NH | 64 | 7.250% | 25.6% |
| Sullivan County, NH | 51 | 7.500% | 26.1% |
| Grafton County, NH | 46 | 7.000% | 31.9% |
| Penobscot County, ME | 44 | 7.500% | 13.7% |
| Washington County, ME | 27 | 7.000% | 10.0% |
| Windsor County, VT | 23 | 7.000% | 20.7% |
| Orange County, VT | 17 | 7.250% | 46.9% |
| Rutland County, VT | 14 | 7.250% | 33.3% |
| Rockingham County, NH | 13 | 6.500% | 18.8% |
| Belknap County, NH | 11 | 7.500% | 0.0% |
| Cheshire County, NH | 11 | 6.875% | 20.0% |
| Knox County, ME | 9 | Under 10 loans | 35.7% |
| Sagadahoc County, ME | 7 | Under 10 loans | 0.0% |
| Kennebec County, ME | 6 | Under 10 loans | 40.0% |
| Waldo County, ME | 6 | Under 10 loans | 50.0% |
| Carroll County, NH | 6 | Under 10 loans | 14.3% |
| York County, ME | 5 | Under 10 loans | 16.7% |
| Cumberland County, ME | 4 | Under 10 loans | 20.0% |
| Somerset County, ME | 4 | Under 10 loans | 50.0% |
| Coos County, NH | 4 | Under 10 loans | 33.3% |
| Caledonia County, VT | 4 | Under 10 loans | 20.0% |
| Piscataquis County, ME | 3 | Under 10 loans | 0.0% |
| Worcester County, MA | 3 | Under 10 loans | 0.0% |
| Windham County, VT | 3 | Under 10 loans | 0.0% |
| Franklin County, ME | 2 | Under 10 loans | 33.3% |
| Lincoln County, ME | 2 | Under 10 loans | 50.0% |
| Essex County, MA | 2 | Under 10 loans | 0.0% |
| Middlesex County, MA | 2 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Volusia County, FL | 1 | Under 10 loans | 0.0% |
| Oxford County, ME | 1 | Under 10 loans | 0.0% |
| Strafford County, NH | 1 | Under 10 loans | 0.0% |
| Addison County, VT | 1 | Under 10 loans | 50.0% |
| Chittenden County, VT | 1 | Under 10 loans | 0.0% |
| Orleans County, VT | 1 | Under 10 loans | 0.0% |
| Washington County, VT | 1 | Under 10 loans | 0.0% |
| Aroostook County, ME | 0 | Under 10 loans | Not published |
| Suffolk County, MA | 0 | Under 10 loans | 100.0% |
| Westchester County, NY | 0 | Under 10 loans | 100.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.