Barrington Bank & Trust Company, N.A. Mortgage Lending & HMDA Data, 2004
In 2004, Barrington Bank & Trust Company, N.A. of Barrington, IL reported 181 mortgage applications totaling $84.4 million, up 3% from 2003. The average application was for $466,491, and applicants reported an average income of $93,331. 67% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (146), Lake County-Kenosha County, IL-WI (21) and Indianapolis, IN (2) (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 | 181 |
| Total Mortgage Loan Application Amount | $84,435,000 |
| Average Mortgage Loan Application Amount | $466,491 |
| Highest Mortgage Loan Application Amount | $4,000,000 |
| Average Applicant Income | $93,331 |
| Highest Applicant Income | $710,000 |
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Barrington Bank & Trust Company, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2004
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 Improvement | 79 | $56,144,000 | $603,400 | $4,000,000 | $10,200 | $710,000 |
| Refinancing | 54 | $15,251,000 | $220,333 | $1,470,000 | $112,333 | $470,000 |
| Home Purchase | 48 | $13,040,000 | $175,500 | $930,000 | $119,000 | $569,000 |
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 | 84 | $22,304,000 | $226,666 | $1,470,000 | $135,333 | $710,000 |
| Not applicable | 82 | $57,348,000 | $544,400 | $4,000,000 | $0 | $0 |
| Asian | 12 | $4,155,000 | $256,000 | $1,000,000 | $148,500 | $255,000 |
| Hispanic | 3 | $628,000 | $209,000 | $276,000 | $93,000 | $151,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 181 | $84,435,000 | $329,833 | $4,000,000 | $73,833 | $710,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 122 | $47,871,000 | $223,800 | $3,600,000 | $62,400 | $710,000 |
| Application Withdrawn By Applicant | 42 | $25,678,000 | $525,600 | $3,300,000 | $86,800 | $470,000 |
| Application Denied By Financial Institution | 9 | $2,317,000 | $257,000 | $602,000 | $52,000 | $150,000 |
| Application Approved But Not Accepted | 7 | $8,444,000 | $1,206,000 | $4,000,000 | $43,000 | $87,000 |
| File Closed For Incompleteness | 1 | $125,000 | $125,000 | $125,000 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| Collateral | 3 | $525,000 | $175,000 | $400,000 | $0 | $0 |
| Credit History | 2 | $328,000 | $164,000 | $215,000 | $106,000 | $135,000 |
| Debt-To-Income Ratio | 1 | $602,000 | $602,000 | $602,000 | $150,000 | $150,000 |
| Credit Application Incomplete | 1 | $70,000 | $70,000 | $70,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $252,000 | $252,000 | $252,000 | $59,000 | $59,000 |
| Other | 1 | $540,000 | $540,000 | $540,000 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Barrington Bank & Trust Company, N.A.'s 2004 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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