Barrington Bank & Trust Company, N.A. Mortgage Lending & HMDA Data, 2025
In 2025, Barrington Bank & Trust Company, N.A. of Barrington, IL reported 11,726 mortgage applications totaling $4.1 billion, down 8% from 2024. The average application was for $345,847, and applicants reported an average income of $165,850. 66% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Chicago-Naperville, IL (2,936), Madison, WI (547) and Lake County-Kenosha County, IL-WI (503) (applications in parentheses).
| Mortgage Company & Address | Barrington Bank & Trust Company, N.A. 201 South Hough Street Barrington, IL 60010 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 11,726 |
| Total Mortgage Loan Application Amount | $4,055,410,000 |
| Average Mortgage Loan Application Amount | $345,847 |
| Highest Mortgage Loan Application Amount | $5,675,000 |
| Average Applicant Income | $165,850 |
| Highest Applicant Income | $6,400,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Barrington Bank & Trust Company, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for Barrington Bank & Trust Company, N.A. in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 7,553 | $2,650,895,000 | $350,000 | $5,675,000 | $159,000 | $5,000,000 |
| Refinancing | 2,211 | $868,975,000 | $393,000 | $4,905,000 | $222,000 | $6,400,000 |
| Cash-out Refinancing | 1,438 | $417,590,000 | $290,000 | $2,835,000 | $122,000 | $3,548,000 |
| Other Purpose | 383 | $90,475,000 | $236,000 | $2,945,000 | $155,000 | $1,686,000 |
| Home Improvement | 141 | $27,475,000 | $194,000 | $2,005,000 | $129,000 | $1,321,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 7,133 | $2,474,315,000 | $346,000 | $5,675,000 | $168,000 | $5,000,000 |
| Not Provided | 1,708 | $624,750,000 | $365,000 | $3,005,000 | $166,000 | $6,400,000 |
| Black or African American | 1,154 | $335,400,000 | $290,000 | $2,925,000 | $114,000 | $1,703,000 |
| Hispanic | 1,057 | $323,535,000 | $306,000 | $2,505,000 | $123,000 | $1,702,000 |
| Asian | 562 | $249,800,000 | $444,000 | $2,855,000 | $214,000 | $2,485,000 |
| American Indian or Alaskan Native | 44 | $10,260,000 | $233,000 | $745,000 | $80,000 | $277,000 |
| Not applicable | 44 | $29,040,000 | $660,000 | $3,075,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 24 | $8,310,000 | $346,000 | $975,000 | $163,000 | $626,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 8,000 | $2,925,530,000 | $365,000 | $5,675,000 | $182,000 | $6,400,000 |
| VA-guaranteed (Veterans Administration) | 2,588 | $840,150,000 | $324,000 | $2,945,000 | $106,000 | $2,271,000 |
| FHA-insured (Federal Housing Administration) | 1,074 | $277,700,000 | $258,000 | $1,225,000 | $91,000 | $557,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 64 | $12,030,000 | $187,000 | $485,000 | $77,000 | $135,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 7,752 | $2,668,850,000 | $344,000 | $5,675,000 | $160,000 | $6,400,000 |
| Application Withdrawn By Applicant | 2,938 | $1,076,420,000 | $366,000 | $4,905,000 | $173,000 | $3,548,000 |
| Application Denied By Financial Institution | 788 | $227,010,000 | $288,000 | $2,595,000 | $118,000 | $2,546,000 |
| File Closed For Incompleteness | 117 | $41,475,000 | $354,000 | $1,765,000 | $178,000 | $2,059,000 |
| Application Approved But Not Accepted | 113 | $36,705,000 | $324,000 | $975,000 | $184,000 | $2,381,000 |
| Loan Purchased By The Institution | 18 | $4,950,000 | $275,000 | $985,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 10,938 | $3,828,400,000 | $350,000 | $5,675,000 | $164,000 | $6,400,000 |
| Debt-To-Income Ratio | 252 | $75,480,000 | $299,000 | $1,705,000 | $78,000 | $351,000 |
| Collateral | 188 | $54,870,000 | $291,000 | $2,595,000 | $162,000 | $2,546,000 |
| Credit History | 156 | $40,770,000 | $261,000 | $1,635,000 | $114,000 | $1,459,000 |
| Other | 74 | $21,470,000 | $290,000 | $2,395,000 | $157,000 | $1,970,000 |
| Unverifiable Information | 69 | $21,335,000 | $309,000 | $1,015,000 | $110,000 | $587,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 38 | $9,790,000 | $257,000 | $1,135,000 | $96,000 | $260,000 |
| Employment History | 11 | $3,295,000 | $299,000 | $825,000 | $197,000 | $832,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Barrington Bank & Trust Company, N.A.'s 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Barrington Bank & Trust Company, N.A.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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