Purchase Originations
136
Median Total Costs
$3,678
−44.9% vs national ($6,680)
↓ $332 vs prior year
Median Rate
6.750%
+4.0% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$795
Median Lender Credits
$367
Denial Rate
10.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 136 | 6.750% | $3,678 | $795 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New Hampshire | 80 | 6.625% | $3,904 | #33 |
| Maine | 48 | 6.750% | $3,557 | — |
| Vermont | 7 | 6.750% | $3,878 | — |
| Massachusetts | 1 | 5.875% | $3,554 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,622 | 6.000% | — | 3 | −$1,056 | |
| 2 | $3,074 | 6.625% | — | 12 | −$604 | |
| 3 | $3,219 | 6.750% | — | 1 | −$459 | |
| 4 | $3,366 | 6.500% | — | 1 | −$312 | |
| 5 | $3,480 | 6.375% | — | 13 | −$198 | |
| 6 | $3,484 | 6.750% | — | 9 | −$194 | |
| 7 | $3,504 | 6.625% | — | 6 | −$174 | |
| 8 | $3,540 | 6.688% | — | 2 | −$138 | |
| 9 | $3,554 | 5.875% | — | 1 | −$124 | |
| 10 | $3,667 | 6.375% | — | 10 | −$11 | |
| 11 | $3,703 | 6.938% | — | 18 | +$25 | |
| 12 | $3,760 | 5.000% | — | 1 | +$82 | |
| 13 | $3,784 | 6.688% | — | 4 | +$106 | |
| 14 | $3,847 | 6.812% | — | 2 | +$169 | |
| 15 | $3,871 | 6.750% | — | 1 | +$193 | |
| 16 | $4,173 | 6.375% | — | 7 | +$495 | |
| 17 | $4,210 | 6.812% | — | 32 | +$532 | |
| 18 | $4,436 | 7.250% | — | 2 | +$758 | |
| 19 | $4,516 | 6.000% | — | 1 | +$838 | |
| 20 | $4,935 | 6.625% | — | 9 | +$1,257 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Bar Harbor Bank & Trust | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $295,000 | $335,000 | −$40,000 (−11.9%) |
| Median total closing costs | $3,678 | $7,127 | −$3,449 (−48.4%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, 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.