Barrington Bank & Trust Company, N.A. Mortgage Lending & HMDA Data, 2020
In 2020, Barrington Bank & Trust Company, N.A. of Barrington, IL reported 45,482 mortgage applications totaling $12.2 billion, up 58% from 2019. The average application was for $267,899, and applicants reported an average income of $134,704. 65% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Chicago-Naperville, IL (10,640), Los Angeles-Long Beach-Glendale, CA (1,999) and Lake County-Kenosha County, IL-WI (1,728) (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 | 45,482 |
| Total Mortgage Loan Application Amount | $12,184,600,000 |
| Average Mortgage Loan Application Amount | $267,899 |
| Highest Mortgage Loan Application Amount | $3,405,000 |
| Average Applicant Income | $134,704 |
| Highest Applicant Income | $4,901,000 |
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Barrington Bank & Trust Company, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2020
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 | 24,498 | $6,454,900,000 | $263,000 | $3,405,000 | $155,000 | $3,593,000 |
| Home Purchase | 14,747 | $4,114,395,000 | $278,000 | $2,925,000 | $107,000 | $4,901,000 |
| Cash-out Refinancing | 5,678 | $1,476,950,000 | $260,000 | $2,005,000 | $116,000 | $4,800,000 |
| Other Purpose | 505 | $127,335,000 | $252,000 | $1,505,000 | $167,000 | $2,419,000 |
| Home Improvement | 54 | $11,020,000 | $204,000 | $705,000 | $158,000 | $1,729,000 |
| 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 | 30,665 | $8,229,745,000 | $268,000 | $3,405,000 | $135,000 | $4,901,000 |
| Not Provided | 5,863 | $1,625,215,000 | $277,000 | $2,445,000 | $122,000 | $2,874,000 |
| Black or African American | 3,840 | $870,060,000 | $226,000 | $1,605,000 | $87,000 | $855,000 |
| Hispanic | 3,255 | $858,725,000 | $263,000 | $2,495,000 | $98,000 | $1,033,000 |
| Asian | 1,200 | $397,590,000 | $331,000 | $2,255,000 | $145,000 | $2,991,000 |
| American Indian or Alaskan Native | 194 | $44,510,000 | $229,000 | $845,000 | $82,000 | $278,000 |
| Native Hawaiian or Other Pacific Islander | 72 | $22,250,000 | $309,000 | $1,935,000 | $109,000 | $361,000 |
| Not applicable | 51 | $20,395,000 | $399,000 | $3,005,000 | $58,000 | $162,000 |
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) | 22,343 | $6,974,055,000 | $312,000 | $3,405,000 | $154,000 | $4,901,000 |
| VA-guaranteed (Veterans Administration) | 18,851 | $4,395,645,000 | $233,000 | $2,845,000 | $82,000 | $1,101,000 |
| FHA-insured (Federal Housing Administration) | 4,091 | $780,565,000 | $190,000 | $1,125,000 | $67,000 | $1,133,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 197 | $34,335,000 | $174,000 | $545,000 | $56,000 | $132,000 |
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 | 29,604 | $8,060,960,000 | $272,000 | $3,005,000 | $132,000 | $4,901,000 |
| Application Withdrawn By Applicant | 10,792 | $2,761,130,000 | $255,000 | $3,405,000 | $118,000 | $4,800,000 |
| Application Denied By Financial Institution | 2,345 | $591,005,000 | $252,000 | $2,795,000 | $86,000 | $1,654,000 |
| Application Approved But Not Accepted | 1,687 | $498,865,000 | $295,000 | $2,365,000 | $150,000 | $2,991,000 |
| File Closed For Incompleteness | 1,016 | $264,620,000 | $260,000 | $1,655,000 | $141,000 | $1,750,000 |
| Loan Purchased By The Institution | 38 | $8,020,000 | $211,000 | $835,000 | $58,000 | $162,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 43,137 | $11,593,595,000 | $268,000 | $3,405,000 | $130,000 | $4,901,000 |
| Collateral | 555 | $140,305,000 | $252,000 | $2,795,000 | $103,000 | $1,056,000 |
| Other | 523 | $122,375,000 | $233,000 | $1,455,000 | $82,000 | $1,654,000 |
| Debt-To-Income Ratio | 520 | $157,060,000 | $302,000 | $2,215,000 | $66,000 | $397,000 |
| Credit History | 469 | $103,715,000 | $221,000 | $1,995,000 | $92,000 | $773,000 |
| Unverifiable Information | 178 | $39,130,000 | $219,000 | $1,125,000 | $77,000 | $300,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 49 | $15,945,000 | $325,000 | $1,985,000 | $144,000 | $1,500,000 |
| Employment History | 47 | $11,895,000 | $253,000 | $1,355,000 | $67,000 | $293,000 |
| Mortgage Insurance Denied | 4 | $580,000 | $145,000 | $185,000 | $31,000 | $45,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Barrington Bank & Trust Company, N.A.'s 2020 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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