Bar Harbor Bank & Trust mortgage approval rate & lending review
Bar Harbor Bank & Trust decided 683 mortgage applications and funded 547 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Bar Harbor Bank & Trust reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Bar Harbor Bank & Trust at a glance
Approval is 3.7 points above the 76.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 88% | 227 / 257 | 100% | $365K | 226 |
| Home improvement loans | 74% | 130 / 176 | 100% | $75K | 130 |
| Cash-out refinance | 66% | 40 / 61 | 100% | $215K | 40 |
| Refinance | 73% | 66 / 91 | 100% | $155K | 66 |
| Investment property purchase | 96% | 53 / 55 | 100% | $305K | 53 |
Bar Harbor Bank & Trust lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New Hampshire | 78% | $395K | 490 | 383 |
| Maine | 87% | $155K | 149 | 130 |
| Massachusetts | 76% | $425K | 34 | 26 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Bar Harbor Bank & Trust lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Hillsborough County, NH | Mortgage lenders | 88% | 104 | 92 |
| Merrimack County, NH | Home improvement loans | 72% | 71 | 51 |
| Merrimack County, NH | Mortgage lenders | 85% | 54 | 46 |
| Hillsborough County, NH | Home improvement loans | 68% | 57 | 39 |
| Penobscot County, ME | Mortgage lenders | 96% | 27 | 26 |
| Penobscot County, ME | Home improvement loans | 88% | 26 | 23 |
| Merrimack County, NH | Refinance | 75% | 28 | 21 |
| Hillsborough County, NH | Refinance | 66% | 29 | 19 |
| Hillsborough County, NH | Cash-out refinance | 54% | 26 | 14 |
The county markets where Bar Harbor Bank & Trust made the most loans. Each link opens that market with every lender ranked.
Questions about Bar Harbor Bank & Trust
What is Bar Harbor Bank & Trust's mortgage approval rate?
Bar Harbor Bank & Trust approved 80.2% of the 683 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.7 points above the 76.6% national rate for the same mix of loan types.
How often do borrowers take the loan Bar Harbor Bank & Trust offers?
Borrowers accepted 100% of the loans Bar Harbor Bank & Trust approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Bar Harbor Bank & Trust make?
The typical home purchase mortgage loan Bar Harbor Bank & Trust made was $365K; across all loan types its typical loan ran from $75K to $365K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Bar Harbor Bank & Trust lend?
Bar Harbor Bank & Trust decided applications in 8 of the states Fat Boy Data covers, most of them in New Hampshire, Maine and Massachusetts.
Can I apply to Bar Harbor Bank & Trust directly?
Yes. Bar Harbor Bank & Trust is a bank or credit union with 62 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Bar Harbor Bank & Trust's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Bar Harbor Bank & Trust treats applications, then get a rate quote from the lender.