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Unclaimed

Bar Harbor Bank & Trust

Bank•BAR HARBOR, ME•Direct

Bar Harbor Bank Trust has 220 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Sound
vs. all lenders
Pull Through
Sound
closing strength
Products
Sound
Conventional · Jumbo
Place
Sound
Multi-Region · 2 mkts

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Report Card

Bar Harbor Bank & Trust performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
Industry Standard
+48.0 bps above market avg
Pull Through
Closing strength
Sound
Industry Standard
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Industry Standard
Top 60% of lenders
Jumbo
Sound
Industry Standard
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Industry Standard
Top 60% of lenders
Refinance
Sound
Industry Standard
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Strong
Highly Competitive
Top 40% of lenders
Multi-Regional3 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Sound
Sound
Sound
Sound
20693.6%
+0.458%Above
$1,449Fees
Jumbo Loans
Acceptable
Sound
—
Acceptable
146.4%
+1.799%Above
$688Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Sound
Sound
Acceptable
18584.1%
+0.495%Above
$1,459Fees
Refinance
Sound
Sound
Strong
Sound
3515.9%
+0.410%Above
$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
2
States Served
7
We count Washington DC as a state
Avg Place Specialization
Sound

States with Loan Originations

CTFLMAMENHRIVT

Top Metro Areas by Place Specialization Score

1
Manchester, NHMSA
Volume: 35Mix: 15.91%of portfolio
Place
Strong
2
Rockingham County, NHMSA
Volume: 13Mix: 5.91%of portfolio
Place
Sound

Top States by Place Specialization Score

1
NHState
Volume: 107Mix: 48.64%of portfolio
Place
Strong
2
MEState
Volume: 82Mix: 37.27%of portfolio
Place
Strong
3
VTState
Volume: 22Mix: 10.00%of portfolio
Place
Sound

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 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.

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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.