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.

Unclaimed

Bar Harbor Bank & Trust

Bank•Bar Harbor, MEHQ•Direct•Reviews near you on Google

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, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

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 SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

Are you the owner of Bar Harbor Bank & Trust?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile

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.