Barrington Bank & Trust Company, N.A. Mortgage Lending & HMDA Data, 2024
In 2024, Barrington Bank & Trust Company, N.A. of Barrington, IL reported 12,756 mortgage applications totaling $4.2 billion, up 15% from 2023. The average application was for $331,400, and applicants reported an average income of $151,351. 64% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Chicago-Naperville, IL (2,894), Madison, WI (522) and Lake County-Kenosha County, IL-WI (472) (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 | 12,756 |
| Total Mortgage Loan Application Amount | $4,227,340,000 |
| Average Mortgage Loan Application Amount | $331,400 |
| Highest Mortgage Loan Application Amount | $9,755,000 |
| Average Applicant Income | $151,351 |
| Highest Applicant Income | $5,898,000 |
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Barrington Bank & Trust Company, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2024
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 | 8,363 | $2,881,915,000 | $344,000 | $5,205,000 | $150,000 | $5,898,000 |
| Refinancing | 2,077 | $749,115,000 | $360,000 | $9,755,000 | $198,000 | $5,044,000 |
| Cash-out Refinancing | 1,656 | $455,910,000 | $275,000 | $5,785,000 | $108,000 | $2,635,000 |
| Other Purpose | 519 | $113,555,000 | $218,000 | $4,755,000 | $136,000 | $5,143,000 |
| Home Improvement | 141 | $26,845,000 | $190,000 | $1,365,000 | $110,000 | $922,000 |
| 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 | 7,577 | $2,530,575,000 | $333,000 | $9,755,000 | $156,000 | $5,898,000 |
| Not Provided | 1,598 | $567,590,000 | $355,000 | $5,205,000 | $147,000 | $2,400,000 |
| Black or African American | 1,467 | $394,595,000 | $268,000 | $1,545,000 | $98,000 | $1,491,000 |
| Hispanic | 1,332 | $402,780,000 | $302,000 | $4,755,000 | $116,000 | $5,143,000 |
| Asian | 672 | $298,680,000 | $444,000 | $3,005,000 | $197,000 | $1,402,000 |
| American Indian or Alaskan Native | 69 | $16,235,000 | $235,000 | $1,165,000 | $85,000 | $333,000 |
| Not applicable | 23 | $11,635,000 | $505,000 | $2,005,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 18 | $5,250,000 | $291,000 | $1,165,000 | $149,000 | $556,000 |
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) | 7,588 | $2,763,230,000 | $364,000 | $9,755,000 | $175,000 | $5,898,000 |
| VA-guaranteed (Veterans Administration) | 3,457 | $1,080,775,000 | $312,000 | $3,305,000 | $100,000 | $765,000 |
| FHA-insured (Federal Housing Administration) | 1,626 | $366,960,000 | $225,000 | $1,135,000 | $83,000 | $2,400,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 85 | $16,375,000 | $192,000 | $405,000 | $77,000 | $130,000 |
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 | 8,213 | $2,713,735,000 | $330,000 | $3,305,000 | $147,000 | $5,143,000 |
| Application Withdrawn By Applicant | 3,057 | $1,098,585,000 | $359,000 | $9,755,000 | $162,000 | $5,044,000 |
| Application Denied By Financial Institution | 841 | $221,615,000 | $263,000 | $5,205,000 | $96,000 | $1,344,000 |
| Application Approved But Not Accepted | 404 | $110,310,000 | $273,000 | $2,005,000 | $108,000 | $3,386,000 |
| File Closed For Incompleteness | 226 | $78,710,000 | $348,000 | $3,255,000 | $187,000 | $5,898,000 |
| Loan Purchased By The Institution | 15 | $4,385,000 | $292,000 | $1,085,000 | $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 | 11,915 | $4,005,725,000 | $336,000 | $9,755,000 | $150,000 | $5,898,000 |
| Debt-To-Income Ratio | 223 | $62,625,000 | $280,000 | $2,095,000 | $72,000 | $509,000 |
| Collateral | 192 | $55,000,000 | $286,000 | $1,555,000 | $130,000 | $1,344,000 |
| Credit History | 185 | $40,255,000 | $217,000 | $765,000 | $84,000 | $403,000 |
| Other | 136 | $36,830,000 | $270,000 | $5,205,000 | $101,000 | $825,000 |
| Unverifiable Information | 49 | $12,735,000 | $259,000 | $1,005,000 | $99,000 | $410,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 38 | $10,290,000 | $270,000 | $785,000 | $119,000 | $898,000 |
| Employment History | 17 | $3,705,000 | $217,000 | $455,000 | $57,000 | $159,000 |
| Mortgage Insurance Denied | 1 | $175,000 | $175,000 | $175,000 | $31,000 | $31,000 |
| 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 2024 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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