Bar Harbor Bank & Trust in Vermont vs the state
25.2%Denial rate+10.39 pts vs state
31.6%Decision denial rate+13.51 pts vs state
54.6%Origination rate-10.25 pts vs state
7.20%Median rate+0.50 pts vs state
0.22Rate spread (pts)+0.10 pts vs state
$99kMedian applicant income
65Loans originated
30Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 120 | 71 | 20.8% | 7.50% | #30 |
| 2024 | 110 | 60 | 22.7% | 7.88% | #33 |
| 2025 | 119 | 65 | 25.2% | 7.20% | #35 |
What Bar Harbor Bank & Trust lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Bar Harbor Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Orange County | 40 | 17 | 15 | 37.5% |
| Windsor County | 36 | 23 | 6 | 16.7% |
| Rutland County | 29 | 14 | 7 | 24.1% |
| Caledonia County | 5 | 4 | 1 | 20.0% |
| Windham County | 3 | 3 | 0 | 0.0% |
| Addison County | 3 | 1 | 1 | 33.3% |
| Chittenden County | 1 | 1 | 0 | 0.0% |
| Washington County | 1 | 1 | 0 | 0.0% |
| Orleans County | 1 | 1 | 0 | 0.0% |
Other large lenders in Vermont
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Eastrise Federal Credit Union | A | 3,529 | 5.1% | 6.50% |
| Rocket Mortgage | C | 1,165 | 22.0% | 6.75% |
| North Country | C | 1,135 | 9.5% | 7.25% |
| Vermont Federal Credit Union | A | 1,003 | 12.0% | 6.75% |
| Citizens Bank | C | 826 | 38.9% | 7.65% |
| Emm Loans | B | 761 | 1.5% | 6.63% |
| Mascoma Bank | B | 717 | 16.5% | 6.75% |
| Union Bank | B | 641 | 4.5% | 6.63% |
| Manufacturers and Traders Trust | C | 617 | 30.8% | 5.99% |
| Community Bank | D | 607 | 13.3% | 7.00% |
Frequently asked questions
Vermont: 119 applications in 2025, of which 65 were originated and 30 denied.
25.2% of all applications, or 31.6% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Bar Harbor Bank & Trust originated in Vermont in 2025 was 7.20%, against a statewide median of 6.71%.
About this data. Figures are Bar Harbor Bank & Trust's own HMDA filing for properties located in Vermont, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology