Bar Harbor Bank & Trust in Maine vs the state
19.7%Denial rate+3.34 pts vs state
24.2%Decision denial rate+4.07 pts vs state
61.8%Origination rate-0.40 pts vs state
7.25%Median rate+0.38 pts vs state
0.23Rate spread (pts)-0.10 pts vs state
$109kMedian applicant income
223Loans originated
71Denied
Trend in Maine
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 390 | 242 | 22.1% | 7.50% | #32 |
| 2024 | 353 | 231 | 21.0% | 8.00% | #43 |
| 2025 | 361 | 223 | 19.7% | 7.25% | #43 |
What Bar Harbor Bank & Trust lends in Maine
By loan purpose
By loan type
Why it denied Maine applicants
Where in Maine
Counties with the most Bar Harbor Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hancock County | 172 | 103 | 37 | 21.5% |
| Penobscot County | 59 | 44 | 7 | 11.9% |
| Washington County | 40 | 27 | 3 | 7.5% |
| Knox County | 15 | 9 | 5 | 33.3% |
| Kennebec County | 14 | 6 | 4 | 28.6% |
| Waldo County | 13 | 6 | 6 | 46.2% |
| Somerset County | 10 | 4 | 4 | 40.0% |
| York County | 9 | 5 | 1 | 11.1% |
| Cumberland County | 9 | 4 | 1 | 11.1% |
| Sagadahoc County | 8 | 7 | 0 | 0.0% |
Other large lenders in Maine
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Bangor Savings Bank | B | 4,518 | 17.2% | 7.25% |
| United Shore Financial Services | B | 2,675 | 9.1% | 6.50% |
| Rocket Mortgage | C | 2,628 | 22.9% | 6.75% |
| The Camden National Bank | A | 2,559 | 13.2% | 6.99% |
| CMG Mortgage | A | 2,251 | 4.2% | 6.63% |
| Guild Mortgage | A | 1,838 | 5.3% | 6.63% |
| Kennebec Savings Bank | B | 1,493 | 9.6% | 7.00% |
| TD Bank | D | 1,244 | 20.2% | 7.35% |
| Mortgage Research Center | C | 1,104 | 17.6% | 6.25% |
| Evergreen Credit Union | D | 976 | 30.6% | 6.50% |
Frequently asked questions
Maine: 361 applications in 2025, of which 223 were originated and 71 denied.
19.7% of all applications, or 24.2% of the applications it actually decided on. The Maine statewide average across all lenders was 16.3%.
The median rate on loans Bar Harbor Bank & Trust originated in Maine in 2025 was 7.25%, against a statewide median of 6.88%.
About this data. Figures are Bar Harbor Bank & Trust's own HMDA filing for properties located in Maine, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology