Bar Harbor Bank & Trust closing costs and rates (2024)
In 2024, Bar Harbor Bank & Trust originated 160 purchase mortgages at a median interest rate of 6.88% and median total closing costs of $4,010. That is $2,731 below the national median of $6,741. Bar Harbor Bank & Trust is most active in New Hampshire with 82 originations there.
Purchase Originations
160
Median Total Costs
$4,010
−40.5% vs national ($6,741)
Median Rate
6.875%
+3.9% vs national (6.620%)
Median Origination
$795
Median Lender Credits
$252
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 160 | 6.875% | $4,010 | $795 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New Hampshire | 82 | 6.875% | $3,962 | #30 |
| Maine | 62 | 7.000% | $3,771 | #37 |
| Vermont | 10 | 6.625% | $5,819 | — |
| Massachusetts | 5 | 7.000% | $4,553 | — |
| Connecticut | 1 | 7.125% | $4,175 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,642 | 6.875% | — | 3 | −$1,368 | |
| 2 | $2,903 | 7.250% | — | 5 | −$1,107 | |
| 3 | $3,413 | 6.875% | — | 7 | −$597 | |
| 4 | $3,557 | 6.750% | — | 2 | −$453 | |
| 5 | $3,616 | 6.625% | — | 15 | −$394 | |
| 6 | $3,659 | 6.875% | — | 13 | −$351 | |
| 7 | $3,796 | 7.000% | — | 3 | −$214 | |
| 8 | $3,897 | 6.875% | — | 13 | −$113 | |
| 9 | $3,925 | 6.875% | — | 9 | −$85 | |
| 10 | $4,175 | 7.125% | — | 1 | +$165 | |
| 11 | $4,203 | 7.125% | — | 31 | +$193 | |
| 12 | $4,234 | 7.000% | — | 26 | +$224 | |
| 13 | $4,553 | 6.875% | — | 1 | +$543 | |
| 14 | $4,638 | 7.875% | — | 1 | +$628 | |
| 15 | $4,653 | 7.188% | — | 2 | +$643 | |
| 16 | $4,770 | 6.875% | — | 8 | +$760 | |
| 17 | $4,824 | 7.375% | — | 3 | +$814 | |
| 18 | $5,549 | 6.625% | — | 6 | +$1,539 | |
| 19 | $5,819 | 7.188% | — | 4 | +$1,809 | |
| 20 | $6,493 | 7.375% | — | 1 | +$2,483 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.