Barrington Bank & Trust Company, N.A. Mortgage Lending & HMDA Data, 2022
In 2022, Barrington Bank & Trust Company, N.A. of Barrington, IL reported 15,326 mortgage applications totaling $4.3 billion, down 59% from 2021. The average application was for $280,888, and applicants reported an average income of $114,449. 62% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Chicago-Naperville, IL (3,160), Lake County-Kenosha County, IL-WI (540) and Madison, WI (509) (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 | 15,326 |
| Total Mortgage Loan Application Amount | $4,304,900,000 |
| Average Mortgage Loan Application Amount | $280,888 |
| Highest Mortgage Loan Application Amount | $5,005,000 |
| Average Applicant Income | $114,449 |
| Highest Applicant Income | $6,201,000 |
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Barrington Bank & Trust Company, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2022
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 | 9,400 | $2,889,200,000 | $307,000 | $5,005,000 | $122,000 | $6,201,000 |
| Cash-out Refinancing | 3,785 | $865,845,000 | $228,000 | $2,405,000 | $82,000 | $2,344,000 |
| Refinancing | 1,578 | $416,180,000 | $263,000 | $4,545,000 | $141,000 | $3,206,000 |
| Other Purpose | 427 | $104,065,000 | $243,000 | $3,005,000 | $136,000 | $2,827,000 |
| Home Improvement | 136 | $29,610,000 | $217,000 | $1,105,000 | $120,000 | $1,620,000 |
| 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 | 8,829 | $2,497,085,000 | $282,000 | $4,545,000 | $123,000 | $6,201,000 |
| Not Provided | 2,726 | $746,210,000 | $273,000 | $5,005,000 | $101,000 | $3,824,000 |
| Black or African American | 1,789 | $479,295,000 | $267,000 | $2,635,000 | $92,000 | $5,200,000 |
| Hispanic | 1,289 | $349,915,000 | $271,000 | $2,245,000 | $92,000 | $642,000 |
| Asian | 399 | $138,995,000 | $348,000 | $2,075,000 | $134,000 | $1,650,000 |
| American Indian or Alaskan Native | 103 | $24,495,000 | $237,000 | $635,000 | $87,000 | $669,000 |
| Not applicable | 59 | $21,125,000 | $358,000 | $3,005,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 18 | $4,730,000 | $262,000 | $565,000 | $113,000 | $399,000 |
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) | 7,183 | $2,343,405,000 | $326,000 | $5,005,000 | $154,000 | $6,201,000 |
| VA-guaranteed (Veterans Administration) | 5,588 | $1,458,990,000 | $261,000 | $3,485,000 | $80,000 | $1,036,000 |
| FHA-insured (Federal Housing Administration) | 2,477 | $487,965,000 | $196,000 | $985,000 | $67,000 | $422,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 78 | $14,540,000 | $186,000 | $385,000 | $61,000 | $122,000 |
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 | 9,498 | $2,720,370,000 | $286,000 | $5,005,000 | $119,000 | $4,303,000 |
| Application Withdrawn By Applicant | 3,788 | $1,085,250,000 | $286,000 | $3,845,000 | $116,000 | $6,201,000 |
| Application Denied By Financial Institution | 1,328 | $311,180,000 | $234,000 | $2,415,000 | $73,000 | $848,000 |
| File Closed For Incompleteness | 405 | $112,755,000 | $278,000 | $1,975,000 | $99,000 | $922,000 |
| Application Approved But Not Accepted | 263 | $63,235,000 | $240,000 | $975,000 | $87,000 | $468,000 |
| Loan Purchased By The Institution | 44 | $12,110,000 | $275,000 | $875,000 | $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 | 13,998 | $3,993,720,000 | $285,000 | $5,005,000 | $117,000 | $6,201,000 |
| Collateral | 363 | $76,225,000 | $209,000 | $1,755,000 | $78,000 | $739,000 |
| Debt-To-Income Ratio | 350 | $102,760,000 | $293,000 | $2,415,000 | $66,000 | $848,000 |
| Other | 253 | $51,465,000 | $203,000 | $995,000 | $64,000 | $233,000 |
| Credit History | 187 | $38,775,000 | $207,000 | $1,505,000 | $72,000 | $300,000 |
| Unverifiable Information | 117 | $27,705,000 | $236,000 | $685,000 | $97,000 | $608,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 33 | $8,995,000 | $272,000 | $775,000 | $84,000 | $340,000 |
| Employment History | 23 | $4,655,000 | $202,000 | $395,000 | $59,000 | $194,000 |
| Mortgage Insurance Denied | 2 | $600,000 | $300,000 | $355,000 | $91,000 | $111,000 |
| 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 2022 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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