Bar Harbor Bank & Trust Mortgage Lending & HMDA Data, 2025
In 2025, Bar Harbor Bank & Trust of Bar Harbor, ME reported 972 mortgage applications totaling $345.2 million, up 11% from 2024. The average application was for $355,174, and applicants reported an average income of $166,625. 60% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Manchester-Nashua, NH (124), Bangor, ME (59) and Portland-South Portland, ME (26) (applications in parentheses).
| Mortgage Company & Address | Bar Harbor Bank & Trust 82 Main Street Bar Harbor, ME 04609 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 |
| Total Number of Mortgage Applications | 972 |
| Total Mortgage Loan Application Amount | $345,230,000 |
| Average Mortgage Loan Application Amount | $355,174 |
| Highest Mortgage Loan Application Amount | $50,005,000 |
| Average Applicant Income | $166,625 |
| Highest Applicant Income | $2,221,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bar Harbor Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for Bar Harbor Bank & Trust in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 301 | $151,825,000 | $504,000 | $22,605,000 | $190,000 | $1,993,000 |
| Home Improvement | 243 | $25,985,000 | $106,000 | $725,000 | $157,000 | $2,221,000 |
| Other Purpose | 193 | $30,245,000 | $156,000 | $895,000 | $149,000 | $1,464,000 |
| Refinancing | 157 | $117,965,000 | $751,000 | $50,005,000 | $188,000 | $1,879,000 |
| Cash-out Refinancing | 78 | $19,210,000 | $246,000 | $2,255,000 | $107,000 | $464,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 754 | $173,340,000 | $229,000 | $2,505,000 | $166,000 | $2,221,000 |
| Not Provided | 128 | $29,340,000 | $229,000 | $1,475,000 | $161,000 | $1,450,000 |
| Not applicable | 35 | $128,455,000 | $3,670,000 | $50,005,000 | $0 | $0 |
| Asian | 24 | $6,610,000 | $275,000 | $645,000 | $152,000 | $495,000 |
| Hispanic | 19 | $5,275,000 | $277,000 | $1,305,000 | $209,000 | $1,313,000 |
| Black or African American | 6 | $1,050,000 | $175,000 | $315,000 | $205,000 | $477,000 |
| American Indian or Alaskan Native | 4 | $970,000 | $242,000 | $515,000 | $108,000 | $196,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $190,000 | $95,000 | $155,000 | $162,000 | $274,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 972 | $345,230,000 | $355,000 | $50,005,000 | $166,000 | $2,221,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 579 | $255,175,000 | $440,000 | $50,005,000 | $184,000 | $2,221,000 |
| Application Denied By Financial Institution | 200 | $38,210,000 | $191,000 | $2,505,000 | $110,000 | $1,450,000 |
| Application Withdrawn By Applicant | 143 | $37,965,000 | $265,000 | $1,495,000 | $180,000 | $1,464,000 |
| File Closed For Incompleteness | 46 | $12,760,000 | $277,000 | $1,505,000 | $137,000 | $467,000 |
| Application Approved But Not Accepted | 4 | $1,120,000 | $280,000 | $975,000 | $169,000 | $415,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 772 | $307,020,000 | $397,000 | $50,005,000 | $180,000 | $2,221,000 |
| Debt-To-Income Ratio | 106 | $19,330,000 | $182,000 | $2,255,000 | $71,000 | $464,000 |
| Credit History | 49 | $5,705,000 | $116,000 | $545,000 | $164,000 | $1,450,000 |
| Collateral | 35 | $11,395,000 | $325,000 | $2,505,000 | $153,000 | $614,000 |
| Other | 3 | $295,000 | $98,000 | $135,000 | $105,000 | $187,000 |
| Employment History | 3 | $195,000 | $65,000 | $105,000 | $53,000 | $159,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $1,185,000 | $395,000 | $655,000 | $142,000 | $186,000 |
| Unverifiable Information | 1 | $105,000 | $105,000 | $105,000 | $120,000 | $120,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bar Harbor Bank & Trust's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Bar Harbor Bank & Trust's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Maine, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About