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(HMDA) records Bar Harbor Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Hancock, Maine | 172 | $ 44,810,000 | $ 260,523 | $ 172,000 |
| Hillsborough, New Hampshire | 124 | $ 88,900,000 | $ 716,935 | $ 178,000 |
| Merrimack, New Hampshire | 110 | $ 34,330,000 | $ 312,090 | $ 195,000 |
| Grafton, New Hampshire | 94 | $ 18,970,000 | $ 201,808 | $ 162,000 |
| Sullivan, New Hampshire | 81 | $ 15,505,000 | $ 191,419 | $ 115,000 |
| Penobscot, Maine | 59 | $ 9,815,000 | $ 166,355 | $ 141,000 |
| Washington, Maine | 40 | $ 7,220,000 | $ 180,500 | $ 124,000 |
| Orange, Vermont | 40 | $ 5,670,000 | $ 141,750 | $ 119,000 |
| Windsor, Vermont | 36 | $ 8,130,000 | $ 225,833 | $ 152,000 |
| Rutland, Vermont | 29 | $ 4,925,000 | $ 169,827 | $ 152,000 |
| Cheshire, New Hampshire | 21 | $ 5,775,000 | $ 275,000 | $ 151,000 |
| Rockingham, New Hampshire | 18 | $ 6,730,000 | $ 373,888 | $ 173,000 |
| Knox, Maine | 15 | $ 2,755,000 | $ 183,666 | $ 146,000 |
| Kennebec, Maine | 14 | $ 1,790,000 | $ 127,857 | $ 82,000 |
| Belknap, New Hampshire | 14 | $ 4,200,000 | $ 300,000 | $ 296,000 |
| Waldo, Maine | 13 | $ 2,415,000 | $ 185,769 | $ 93,000 |
| Somerset, Maine | 10 | $ 570,000 | $ 57,000 | $ 102,000 |
| Cumberland, Maine | 9 | $ 14,465,000 | $ 1,607,222 | $ 201,000 |
| York, Maine | 9 | $ 18,185,000 | $ 2,020,555 | $ 161,000 |
| Sagadahoc, Maine | 8 | $ 3,580,000 | $ 447,500 | $ 162,000 |
| Carroll, New Hampshire | 8 | $ 3,800,000 | $ 475,000 | $ 269,000 |
| Coos, New Hampshire | 8 | $ 1,140,000 | $ 142,500 | $ 141,000 |
| Caledonia, Vermont | 5 | $ 985,000 | $ 197,000 | $ 121,000 |
| Lincoln, Maine | 4 | $ 1,030,000 | $ 257,500 | $ 321,000 |
| Franklin, Maine | 3 | $ 2,785,000 | $ 928,333 | $ 260,000 |
| Piscataquis, Maine | 3 | $ 915,000 | $ 305,000 | $ 355,000 |
| Middlesex, Massachusetts | 3 | $ 755,000 | $ 251,666 | $ 267,000 |
| Worcester, Massachusetts | 3 | $ 23,185,000 | $ 7,728,333 | $ 1,180,000 |
| Addison, Vermont | 3 | $ 415,000 | $ 138,333 | $ 109,000 |
| Windham, Vermont | 3 | $ 4,405,000 | $ 1,468,333 | $ 605,000 |
| Essex, Massachusetts | 2 | $ 790,000 | $ 395,000 | $ 222,000 |
| Suffolk, Massachusetts | 2 | $ 2,560,000 | $ 1,280,000 | $ 407,000 |
| Lee, Florida | 1 | $ 225,000 | $ 225,000 | $ 363,000 |
| Volusia, Florida | 1 | $ 285,000 | $ 285,000 | $ 143,000 |
| Aroostook, Maine | 1 | $ 105,000 | $ 105,000 | $ 69,000 |
| Oxford, Maine | 1 | $ 845,000 | $ 845,000 | $ 393,000 |
| Strafford, New Hampshire | 1 | $ 345,000 | $ 345,000 | $ 86,000 |
| Westchester, New York | 1 | $ 1,005,000 | $ 1,005,000 | $ 320,000 |
| Chittenden, Vermont | 1 | $ 375,000 | $ 375,000 | $ 125,000 |
| Orleans, Vermont | 1 | $ 185,000 | $ 185,000 | $ 131,000 |
| Washington, Vermont | 1 | $ 355,000 | $ 355,000 | $ 91,000 |
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.
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