Barrington Bank & Trust Company, N.A. Mortgage Lending & HMDA Data, 2012
In 2012, Barrington Bank & Trust Company, N.A. of Barrington, IL reported 18,898 mortgage applications totaling $4.2 billion, up 50% from 2011. The average application was for $224,763, and applicants reported an average income of $117,865. 69% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Chicago-Joliet-Naperville, IL (8,986), Minneapolis-St. Paul-Bloomington, MN-WI (2,733) and Lake County-Kenosha County, IL-WI (787) (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 | 18,898 |
| Total Mortgage Loan Application Amount | $4,247,573,000 |
| Average Mortgage Loan Application Amount | $224,763 |
| Highest Mortgage Loan Application Amount | $2,190,000 |
| Average Applicant Income | $117,865 |
| Highest Applicant Income | $6,020,000 |
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Barrington Bank & Trust Company, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2012
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 |
|---|---|---|---|---|---|---|
| Refinancing | 10,637 | $2,681,970,000 | $252,000 | $2,094,000 | $137,000 | $6,020,000 |
| Home Purchase | 8,189 | $1,548,854,000 | $189,000 | $2,190,000 | $93,000 | $2,942,000 |
| Home Improvement | 72 | $16,749,000 | $232,000 | $1,500,000 | $119,000 | $693,000 |
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 | 13,890 | $3,215,213,000 | $231,000 | $2,094,000 | $125,000 | $6,020,000 |
| Not Provided | 1,332 | $361,398,000 | $271,000 | $2,190,000 | $134,000 | $1,729,000 |
| Hispanic | 1,202 | $184,985,000 | $153,000 | $1,500,000 | $62,000 | $733,000 |
| Not applicable | 934 | $186,683,000 | $199,000 | $716,000 | $101,000 | $1,311,000 |
| Asian | 833 | $188,229,000 | $225,000 | $1,718,000 | $119,000 | $1,029,000 |
| Black or African American | 672 | $104,284,000 | $155,000 | $1,427,000 | $70,000 | $371,000 |
| American Indian or Alaskan Native | 22 | $3,561,000 | $161,000 | $379,000 | $120,000 | $663,000 |
| Native Hawaiian or Other Pacific Islander | 13 | $3,220,000 | $247,000 | $461,000 | $101,000 | $217,000 |
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) | 13,974 | $3,421,705,000 | $244,000 | $2,190,000 | $138,000 | $6,020,000 |
| FHA-insured (Federal Housing Administration) | 3,999 | $654,633,000 | $163,000 | $716,000 | $61,000 | $2,024,000 |
| VA-guaranteed (Veterans Administration) | 565 | $120,824,000 | $213,000 | $708,000 | $66,000 | $300,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 360 | $50,411,000 | $140,000 | $371,000 | $48,000 | $150,000 |
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 | 13,064 | $2,887,445,000 | $221,000 | $2,190,000 | $117,000 | $6,020,000 |
| Application Denied By Financial Institution | 2,094 | $481,079,000 | $229,000 | $1,850,000 | $114,000 | $2,500,000 |
| Application Withdrawn By Applicant | 1,874 | $438,914,000 | $234,000 | $1,624,000 | $125,000 | $2,942,000 |
| Loan Purchased By The Institution | 934 | $186,683,000 | $199,000 | $716,000 | $101,000 | $1,311,000 |
| File Closed For Incompleteness | 778 | $216,781,000 | $278,000 | $2,094,000 | $144,000 | $1,282,000 |
| Application Approved But Not Accepted | 154 | $36,671,000 | $238,000 | $2,000,000 | $127,000 | $1,729,000 |
| 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 | 946 | $242,461,000 | $256,000 | $1,500,000 | $137,000 | $2,500,000 |
| Unverifiable Information | 348 | $72,193,000 | $207,000 | $1,500,000 | $108,000 | $1,873,000 |
| Debt-To-Income Ratio | 256 | $56,143,000 | $219,000 | $1,718,000 | $64,000 | $850,000 |
| Credit History | 225 | $43,648,000 | $193,000 | $1,850,000 | $87,000 | $1,008,000 |
| Other | 142 | $27,718,000 | $195,000 | $975,000 | $112,000 | $2,024,000 |
| Employment History | 89 | $16,915,000 | $190,000 | $863,000 | $86,000 | $694,000 |
| Credit Application Incomplete | 68 | $16,816,000 | $247,000 | $876,000 | $124,000 | $554,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 20 | $5,185,000 | $259,000 | $552,000 | $129,000 | $455,000 |
| 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 2012 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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