Applications / Mortgage Analytics / Lenders / Maine / Bar Harbor Bank & Trust
Bar Harbor, ME · State non-member bank · FDIC · $4.7 billion assets · 579 loans in 2025
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579
loans originated, 2025
972
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bar Harbor Bank & Trust is a northern New England bank with a broad mix of purchase, refinance, home-improvement and other loans, and it gained share in several of its markets in 2025.
Purchases were 34.0% of its loans, refinances 24.7%, home improvement 23.3% and other purposes 18.0%. All its loans were conventional. Its typical loan, $195,000, was near similar lenders' $185,000 (state non-member banks making between half and twice as many loans).
It ranked 11 of 344 in Manchester-Nashua, with 2.0% of the market, up from 1.9%. Its share rose from 0.1% to 0.6% in Portland-South Portland and from 0.0% to 0.3% in Worcester. Dollar volume rose from $171.5 million to $255.2 million while its loans rose 7%, close to similar lenders' 9%.
8.6% of its loans were in low- and moderate-income (LMI) areas, against 15.8% at similar lenders, among the lowest tenth, and 0.7% were in majority-minority areas, against 8.6%. Its markets, mainly in New Hampshire and Maine, may have fewer such areas. Its share to LMI borrowers, 25.1%, was near similar lenders' 27.2%.
It made 579 loans in 2025, against 1,588 in 2020. Its 2020 count was well above its 764 in 2018 and 923 in 2019, so that year may have been an exceptional one; its typical rate rising from 3.12% to 7.25% since then may also have cut refinancing.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bar Harbor Bank & Trust took 972 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 34.0% · Refinance 24.7% · Home improvement 23.3% · Other 18.0%
Conventional 100.0% · of 579 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New Hampshire | 282 | 48.7% |
| Maine | 223 | 38.5% |
| Vermont | 65 | 11.2% |
| Massachusetts | 7 | 1.2% |
| Florida | 2 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Manchester-Nashua | 75 |
| Bangor | 44 |
| Portland-South Portland | 16 |
| Rockingham County-Strafford County | 14 |
| Cambridge-Newton-Framingham | 4 |
| Worcester | 3 |
| Burlington-South Burlington | 1 |
| Cape Coral-Fort Myers | 1 |
| Deltona-Daytona Beach-Ormond Beach | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VR3QTN4GZYUR03 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 522605 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 311971 | 2013–2017 |
Established 15 September 1887. Reported under HMDA 2013-2025.
Mergers, name changes, data editions and corrections: Bar Harbor Bank & Trust's data.
Bar Harbor Bank & Trust's data
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Bar Harbor Bank & Trust and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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