Barrington Bank & Trust Company N.a. Mortgage Rates, Fees & Info

Barrington, IL

LEI: C398JSK21YCXWM603F55

Tax ID: 36-4108515

2020 Data | 2019 Data | 2018 Data


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Mortgage Data

  • Originations
  • Relative Rates
  • Relative Fees
  • Product Mix
  • Loan Reason
  • Top Markets
  • Typical Rates
  • Loan Sizes
  • Lien Type
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees
  • Dwelling Types

    • Bank Data *NEW*

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Overview

    Barrington Bank & Trust Company N.a. is a large bank specializing in Refi and Home Purchase loans. Barrington Bank & Trust Company N.a. has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets include Chicago, Los Angeles, Minneapolis, Lake County, and Madison among others. They have an above average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. Barrington Bank & Trust Company N.a. is typically an average fee lendor.


    Originations

    29,604

    Origination Dollar Volume (All Markets)

    $8,060,960,000

    Employee count

    1,233

    Relative Rate

    Barrington Bank & Trust Company N.a.'s average 30 year fixed rate mortgage was 3.17%.

    The 2020 average 30 year fixed rate mortgage across all markets was 3.36%.

    This yields a difference of -0.19%.

    Relative Fees

    Barrington Bank & Trust Company N.a.'s average total fees for a 30 year fixed rate mortgage are $4,445.

    The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $5,021.

    Product Mix

    Loan Type Originations Total Value Average Loan Average Fees Average Rate
    Conventional 16,956 $5,170,290,000 $304,924 $3,485 3.16%
    VA 10,561 $2,477,585,000 $234,598 $4,507 2.96%
    FHA 1,946 $389,260,000 $200,031 $7,866 3.36%
    USDA 141 $23,825,000 $168,972 $5,233 3.07%

    For the 2020 period, Barrington Bank & Trust Company N.a.'s most frequently originated loan type was Conventional, with 16,956 originations. Their 2nd most popular type is VA, with 10,561 originations.

    Loan Reason

    Loan Reason Originations Total Value Average Loan Average Fees Average Rate
    Refi 16,015 $4,302,705,000 $268,667 $2,961 3.01%
    Home Purchase 10,168 $2,823,070,000 $277,643 $5,833 3.21%
    Cash Out Refi 3,203 $883,615,000 $275,871 $4,762 3.22%
    Other 176 $42,400,000 $240,909 $3,350 3.40%
    Home Improvement 42 $9,170,000 $218,333 $3,920 3.37%

    For the 2020, Barrington Bank & Trust Company N.a.'s most frequently cited loan purpose was Refi, with 16,015 originations. The 2nd most popular reason was Home Purchase, with 10,168 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 23,711 $6,650,445,000 $280,479 $4,444 3.16%
    15 Year 3,184 $733,280,000 $230,302 $2,942 2.76%
    20 Year 1,673 $434,295,000 $259,591 $2,876 3.10%
    Other 750 $178,830,000 $238,440 $3,208 3.06%
    10 Year 275 $56,275,000 $204,636 $2,477 2.70%
    5 Year 5 $3,335,000 $667,000 $0 3.92%
    30+ year 4 $2,950,000 $737,500 $16,662 3.56%
    1 Year 2 $1,550,000 $775,000 $0 4.00%

    For the 2020, Barrington Bank & Trust Company N.a.'s most frequently cited loan length was 30 Year, with 23,711 originations. The 2nd most popular length was 15 Year, with 3,184 originations.

    Origination Fees

    Origination Fee Originations Total Value Average Loan
    $1k-2k 18,361 $5,034,285,000 $274,184
    $<1k 5,148 $1,116,020,000 $216,787
    $2k-3k 3,242 $828,800,000 $255,645
    $3k-4k 1,967 $638,125,000 $324,415
    $5k+ 870 $428,780,000 $492,851

    $4,445 was Barrington Bank & Trust Company N.a.'s average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 18,361 originations.

    Top Markets

    Market Originations Total Value Average Loan Average Fees Average Rate
    CHICAGO-NAPERVILLE-EVANSTON, IL 7,738 $2,112,770,000 $273,038 $3,797 3.15%
    LOS ANGELES-LONG BEACH-GLENDALE, CA 1,450 $769,190,000 $530,476 $5,272 3.20%
    Outside of Metro Areas 3,543 $689,805,000 $194,695 $3,882 3.12%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI 1,289 $365,515,000 $283,565 $4,465 3.15%
    LAKE COUNTY-KENOSHA COUNTY, IL-WI 1,271 $341,795,000 $268,918 $3,318 3.10%
    MADISON, WI 1,027 $317,965,000 $309,606 $3,253 3.09%
    MILWAUKEE-WAUKESHA, WI 724 $205,950,000 $284,461 $2,520 3.13%
    ELGIN, IL 801 $193,815,000 $241,966 $3,620 3.15%
    PHOENIX-MESA-CHANDLER, AZ 512 $143,210,000 $279,707 $4,522 3.07%
    OXNARD-THOUSAND OAKS-VENTURA, CA 217 $111,085,000 $511,912 $4,640 3.20%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA 207 $110,065,000 $531,715 $6,594 2.95%
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV 192 $80,250,000 $417,969 $6,529 2.92%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 220 $74,780,000 $339,909 $5,350 3.07%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA 312 $71,940,000 $230,577 $4,349 3.05%
    ANAHEIM-SANTA ANA-IRVINE, CA 100 $59,810,000 $598,100 $5,779 3.05%
    LAS VEGAS-HENDERSON-PARADISE, NV 201 $58,505,000 $291,070 $5,143 3.07%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX 201 $51,715,000 $257,289 $4,417 2.97%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL 191 $45,805,000 $239,817 $4,844 3.10%
    ROCHESTER, MN 192 $44,030,000 $229,323 $4,522 3.14%
    OAKLAND-BERKELEY-LIVERMORE, CA 59 $35,735,000 $605,678 $6,066 3.11%
    DES MOINES-WEST DES MOINES, IA 166 $33,730,000 $203,193 $2,583 2.98%
    NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ 66 $32,650,000 $494,697 $7,389 3.09%
    APPLETON, WI 155 $32,615,000 $210,419 $1,884 3.02%
    GRAND FORKS, ND-MN 151 $31,855,000 $210,960 $5,112 2.93%
    DENVER-AURORA-LAKEWOOD, CO 87 $31,695,000 $364,310 $4,283 3.09%
    SEATTLE-BELLEVUE-KENT, WA 64 $31,170,000 $487,031 $6,632 2.99%
    DALLAS-PLANO-IRVING, TX 99 $29,915,000 $302,172 $4,879 2.97%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC 108 $29,020,000 $268,704 $5,208 2.96%
    RACINE, WI 138 $28,000,000 $202,899 $2,713 3.14%
    SAN ANTONIO-NEW BRAUNFELS, TX 105 $26,355,000 $251,000 $5,540 2.93%
    ROCKFORD, IL 195 $26,165,000 $134,179 $3,786 3.23%
    JACKSONVILLE, FL 101 $24,695,000 $244,505 $5,182 3.01%
    INDIANAPOLIS-CARMEL-ANDERSON, IN 124 $24,080,000 $194,194 $3,258 3.00%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC 108 $23,820,000 $220,556 $5,065 3.11%
    CAMBRIDGE-NEWTON-FRAMINGHAM, MA 48 $23,630,000 $492,292 $7,092 2.90%
    ST. LOUIS, MO-IL 120 $23,280,000 $194,000 $3,466 3.02%
    SANTA MARIA-SANTA BARBARA, CA 49 $23,105,000 $471,531 $5,575 3.10%
    SALT LAKE CITY, UT 71 $22,945,000 $323,169 $5,042 2.90%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA 65 $22,925,000 $352,692 $5,611 3.06%
    GARY, IN 105 $22,915,000 $218,238 $3,225 3.17%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA 67 $22,895,000 $341,716 $5,108 3.02%
    FORT WORTH-ARLINGTON-GRAPEVINE, TX 81 $22,805,000 $281,543 $4,937 2.97%
    NEW BRUNSWICK-LAKEWOOD, NJ 64 $22,580,000 $352,813 $5,360 2.96%
    ORLANDO-KISSIMMEE-SANFORD, FL 91 $21,585,000 $237,198 $5,474 3.06%
    BLOOMINGTON, IL 96 $21,090,000 $219,688 $2,565 3.13%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN 60 $20,650,000 $344,167 $5,135 3.14%
    BALTIMORE-COLUMBIA-TOWSON, MD 63 $19,805,000 $314,365 $5,267 3.04%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA 23 $19,355,000 $841,522 $6,245 3.03%
    WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL 54 $18,680,000 $345,926 $5,671 3.11%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX 64 $18,650,000 $291,406 $5,068 3.02%
    CAPE CORAL-FORT MYERS, FL 65 $18,125,000 $278,846 $5,452 3.03%
    NAPLES-MARCO ISLAND, FL 46 $17,870,000 $388,478 $5,975 3.09%
    BOSTON, MA 37 $17,175,000 $464,189 $5,908 3.04%
    WARREN-TROY-FARMINGTON HILLS, MI 82 $16,780,000 $204,634 $3,812 3.08%
    TACOMA-LAKEWOOD, WA 46 $16,310,000 $354,565 $5,623 2.97%
    NORTH PORT-SARASOTA-BRADENTON, FL 54 $16,160,000 $299,259 $5,396 3.01%
    NASSAU COUNTY-SUFFOLK COUNTY, NY 36 $15,940,000 $442,778 $7,960 2.90%
    NEWARK, NJ-PA 45 $15,305,000 $340,111 $5,704 2.99%
    TUCSON, AZ 74 $15,280,000 $206,486 $4,955 2.96%
    KANSAS CITY, MO-KS 78 $14,630,000 $187,564 $3,720 3.02%
    CHARLESTON-NORTH CHARLESTON, SC 53 $14,615,000 $275,755 $5,139 3.00%
    SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA 21 $14,575,000 $694,048 $5,254 3.21%
    JANESVILLE-BELOIT, WI 71 $14,175,000 $199,648 $2,595 3.15%
    CHARLOTTESVILLE, VA 49 $14,115,000 $288,061 $3,892 3.16%
    FAYETTEVILLE, NC 79 $14,075,000 $178,165 $4,233 2.99%
    RICHMOND, VA 54 $14,020,000 $259,630 $5,348 2.97%
    FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL 45 $13,995,000 $311,000 $6,821 3.06%
    COLORADO SPRINGS, CO 48 $13,410,000 $279,375 $6,852 3.05%
    OGDEN-CLEARFIELD, UT 43 $13,295,000 $309,186 $6,095 3.00%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL 61 $13,275,000 $217,623 $5,088 3.09%
    OKLAHOMA CITY, OK 73 $13,215,000 $181,027 $4,622 2.97%
    BOISE CITY, ID 48 $13,140,000 $273,750 $5,223 3.08%
    CINCINNATI, OH-KY-IN 73 $12,905,000 $176,781 $4,499 3.08%
    RALEIGH-CARY, NC 51 $12,505,000 $245,196 $5,280 3.04%
    FREDERICK-GAITHERSBURG-ROCKVILLE, MD 30 $12,150,000 $405,000 $4,401 2.95%
    COLUMBUS, OH 64 $11,960,000 $186,875 $4,165 3.07%
    MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA 39 $11,915,000 $305,513 $7,078 3.02%
    PALM BAY-MELBOURNE-TITUSVILLE, FL 52 $11,850,000 $227,885 $4,854 3.06%
    OSHKOSH-NEENAH, WI 58 $11,400,000 $196,552 $2,232 3.09%
    ALBUQUERQUE, NM 48 $11,290,000 $235,208 $4,129 2.99%
    AUGUSTA-RICHMOND COUNTY, GA-SC 53 $11,185,000 $211,038 $4,647 3.05%
    BIRMINGHAM-HOOVER, AL 50 $10,230,000 $204,600 $4,364 3.02%
    PITTSBURGH, PA 65 $10,155,000 $156,231 $4,059 3.09%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR 51 $9,955,000 $195,196 $4,316 3.03%
    EAU CLAIRE, WI 53 $9,935,000 $187,453 $4,034 2.92%
    WORCESTER, MA-CT 39 $9,935,000 $254,744 $5,763 2.89%
    GREENVILLE-ANDERSON, SC 46 $9,930,000 $215,870 $5,040 3.00%
    MEMPHIS, TN-MS-AR 54 $9,780,000 $181,111 $3,972 3.03%
    COEUR D'ALENE, ID 30 $9,530,000 $317,667 $7,053 2.98%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC 55 $9,515,000 $173,000 $4,009 3.01%
    RENO, NV 30 $9,350,000 $311,667 $4,738 3.02%
    CLEVELAND-ELYRIA, OH 52 $9,290,000 $178,654 $4,550 3.15%
    PROVIDENCE-WARWICK, RI-MA 30 $9,210,000 $307,000 $5,357 2.91%
    ANCHORAGE, AK 29 $8,775,000 $302,586 $5,286 3.00%
    NEW ORLEANS-METAIRIE, LA 34 $8,590,000 $252,647 $6,362 2.99%
    PHILADELPHIA, PA 41 $8,585,000 $209,390 $4,652 3.05%
    NILES, MI 31 $8,435,000 $272,097 $3,237 2.99%
    KNOXVILLE, TN 47 $8,305,000 $176,702 $4,447 3.16%
    PRESCOTT VALLEY-PRESCOTT, AZ 34 $8,270,000 $243,235 $4,479 3.04%
    LAKE HAVASU CITY-KINGMAN, AZ 45 $8,155,000 $181,222 $3,993 3.03%
    COLUMBIA, SC 44 $7,950,000 $180,682 $3,317 2.99%
    DETROIT-DEARBORN-LIVONIA, MI 43 $7,785,000 $181,047 $3,961 3.15%
    MIAMI-MIAMI BEACH-KENDALL, FL 27 $7,775,000 $287,963 $5,843 2.97%
    URBAN HONOLULU, HI 12 $7,750,000 $645,833 $14,563 3.06%
    CAMDEN, NJ 37 $7,725,000 $208,784 $4,032 3.03%
    GULFPORT-BILOXI, MS 41 $7,715,000 $188,171 $3,697 2.94%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR 34 $7,630,000 $224,412 $4,696 2.97%
    LAKELAND-WINTER HAVEN, FL 46 $7,620,000 $165,652 $3,945 3.31%
    FRESNO, CA 26 $7,370,000 $283,462 $4,096 2.99%
    VALLEJO, CA 19 $7,345,000 $386,579 $5,105 3.07%
    PENSACOLA-FERRY PASS-BRENT, FL 37 $7,325,000 $197,973 $5,009 2.86%
    GRAND RAPIDS-KENTWOOD, MI 36 $7,320,000 $203,333 $3,903 3.05%
    BUFFALO-CHEEKTOWAGA, NY 39 $7,295,000 $187,051 $4,547 3.12%
    PROVO-OREM, UT 21 $7,235,000 $344,524 $5,631 3.08%
    WINSTON-SALEM, NC 36 $7,210,000 $200,278 $3,413 3.15%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT 31 $7,205,000 $232,419 $4,087 2.91%
    GREENSBORO-HIGH POINT, NC 36 $7,190,000 $199,722 $3,946 2.97%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN 39 $7,075,000 $181,410 $3,521 3.13%
    BRIDGEPORT-STAMFORD-NORWALK, CT 21 $7,065,000 $336,429 $5,504 2.94%
    CHATTANOOGA, TN-GA 36 $6,990,000 $194,167 $3,321 3.10%
    HUNTSVILLE, AL 32 $6,960,000 $217,500 $4,204 3.12%
    GREEN BAY, WI 32 $6,930,000 $216,563 $2,309 2.90%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA 22 $6,910,000 $314,091 $5,904 2.93%
    KILLEEN-TEMPLE, TX 38 $6,890,000 $181,316 $3,191 3.00%
    WICHITA, KS 40 $6,890,000 $172,250 $3,852 2.98%
    SAN LUIS OBISPO-PASO ROBLES, CA 16 $6,880,000 $430,000 $5,405 3.19%
    NEW HAVEN-MILFORD, CT 26 $6,720,000 $258,462 $5,726 2.86%
    OCALA, FL 41 $6,715,000 $163,780 $4,151 3.04%
    OMAHA-COUNCIL BLUFFS, NE-IA 30 $6,580,000 $219,333 $5,045 2.87%
    ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH 22 $6,510,000 $295,909 $5,755 3.11%
    OLYMPIA-LACEY-TUMWATER, WA 22 $6,510,000 $295,909 $6,409 3.10%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY 23 $6,505,000 $282,826 $7,495 3.25%
    CLARKSVILLE, TN-KY 34 $6,420,000 $188,824 $4,227 3.02%
    DAYTON-KETTERING, OH 36 $6,340,000 $176,111 $4,328 2.99%
    TULSA, OK 33 $6,145,000 $186,212 $3,921 2.99%
    STOCKTON, CA 18 $6,130,000 $340,556 $6,149 2.98%
    SALEM, OR 23 $6,125,000 $266,304 $4,607 3.23%
    BAKERSFIELD, CA 26 $6,110,000 $235,000 $4,386 3.04%
    DAPHNE-FAIRHOPE-FOLEY, AL 24 $6,050,000 $252,083 $4,580 3.03%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ 26 $5,980,000 $230,000 $5,357 3.04%
    SPRINGFIELD, MA 26 $5,960,000 $229,231 $4,337 3.11%
    ALBANY-SCHENECTADY-TROY, NY 30 $5,950,000 $198,333 $5,468 3.13%
    PANAMA CITY, FL 24 $5,900,000 $245,833 $3,983 3.27%
    SAN RAFAEL, CA 10 $5,830,000 $583,000 $11,077 2.92%
    SAVANNAH, GA 28 $5,800,000 $207,143 $4,849 2.95%
    BOULDER, CO 11 $5,675,000 $515,909 $4,838 3.17%
    EL PASO, TX 34 $5,640,000 $165,882 $3,578 2.88%
    MODESTO, CA 18 $5,600,000 $311,111 $5,998 3.21%
    DULUTH, MN-WI 33 $5,565,000 $168,636 $3,003 2.97%
    MONTGOMERY, AL 28 $5,530,000 $197,500 $3,152 2.96%
    ST. GEORGE, UT 18 $5,380,000 $298,889 $4,353 3.01%
    PORTLAND-SOUTH PORTLAND, ME 21 $5,355,000 $255,000 $5,967 2.90%
    SANTA ROSA-PETALUMA, CA 9 $5,015,000 $557,222 $9,011 3.22%
    JACKSON, MS 23 $4,885,000 $212,391 $3,756 2.99%
    PORT ST. LUCIE, FL 22 $4,800,000 $218,182 $4,112 3.03%
    SANTA FE, NM 10 $4,800,000 $480,000 $5,813 3.08%
    FORT COLLINS, CO 15 $4,795,000 $319,667 $4,261 2.92%
    DURHAM-CHAPEL HILL, NC 17 $4,795,000 $282,059 $3,503 3.07%
    WILMINGTON, DE-MD-NJ 20 $4,780,000 $239,000 $4,013 3.10%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL 19 $4,675,000 $246,053 $5,404 2.93%
    HAGERSTOWN-MARTINSBURG, MD-WV 21 $4,655,000 $221,667 $4,837 3.27%
    PUNTA GORDA, FL 17 $4,555,000 $267,941 $5,298 3.08%
    MEDFORD, OR 14 $4,480,000 $320,000 $7,427 3.07%
    HILTON HEAD ISLAND-BLUFFTON, SC 10 $4,410,000 $441,000 $6,583 3.15%
    ROCHESTER, NY 26 $4,330,000 $166,538 $4,528 3.22%
    JACKSONVILLE, NC 27 $4,295,000 $159,074 $3,378 3.03%
    SOUTH BEND-MISHAWAKA, IN-MI 24 $4,280,000 $178,333 $3,604 2.96%
    MANCHESTER-NASHUA, NH 14 $4,270,000 $305,000 $5,696 2.86%
    KAHULUI-WAILUKU-LAHAINA, HI 6 $4,250,000 $708,333 $10,681 3.25%
    HOMOSASSA SPRINGS, FL 23 $4,235,000 $184,130 $4,599 3.09%
    BATON ROUGE, LA 23 $4,215,000 $183,261 $4,824 3.00%
    SALISBURY, MD-DE 19 $4,205,000 $221,316 $4,365 3.10%
    WARNER ROBINS, GA 22 $4,170,000 $189,545 $3,646 3.06%
    WILMINGTON, NC 14 $4,030,000 $287,857 $4,052 2.97%
    SPOKANE-SPOKANE VALLEY, WA 20 $4,020,000 $201,000 $2,871 3.05%
    MOBILE, AL 22 $3,930,000 $178,636 $3,917 3.07%
    LAS CRUCES, NM 16 $3,890,000 $243,125 $4,516 3.09%
    FARGO, ND-MN 15 $3,805,000 $253,667 $4,824 3.00%
    SIOUX FALLS, SD 18 $3,760,000 $208,889 $3,416 3.00%
    COLUMBUS, GA-AL 26 $3,730,000 $143,462 $3,240 3.10%
    PEORIA, IL 22 $3,720,000 $169,091 $3,265 2.98%
    SPRINGFIELD, MO 26 $3,600,000 $138,462 $3,190 3.09%
    DOVER, DE 18 $3,550,000 $197,222 $3,591 3.00%
    GAINESVILLE, FL 20 $3,540,000 $177,000 $4,757 3.21%
    ELIZABETHTOWN-FORT KNOX, KY 19 $3,495,000 $183,947 $4,765 3.05%
    MANHATTAN, KS 19 $3,485,000 $183,421 $3,421 2.93%
    KANKAKEE, IL 21 $3,475,000 $165,476 $4,218 3.37%
    ASHEVILLE, NC 18 $3,460,000 $192,222 $3,755 3.19%
    BEND, OR 8 $3,330,000 $416,250 $7,107 3.20%
    MISSOULA, MT 11 $3,315,000 $301,364 $5,388 3.25%
    MADERA, CA 12 $3,240,000 $270,000 $4,590 2.92%
    SANTA CRUZ-WATSONVILLE, CA 5 $3,235,000 $647,000 $3,334 3.35%
    SYRACUSE, NY 23 $3,215,000 $139,783 $4,164 3.05%
    MICHIGAN CITY-LA PORTE, IN 15 $3,205,000 $213,667 $2,948 3.31%
    HARRISBURG-CARLISLE, PA 17 $3,205,000 $188,529 $4,824 3.00%
    VISALIA, CA 14 $3,160,000 $225,714 $3,784 3.10%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL 17 $3,155,000 $185,588 $3,356 3.04%
    PUEBLO, CO 17 $3,145,000 $185,000 $4,853 2.95%
    HICKORY-LENOIR-MORGANTON, NC 14 $3,140,000 $224,286 $3,729 2.94%
    FLINT, MI 16 $3,060,000 $191,250 $5,244 3.16%
    HUNTINGTON-ASHLAND, WV-KY-OH 20 $3,050,000 $152,500 $3,794 3.18%
    TALLAHASSEE, FL 16 $3,050,000 $190,625 $3,728 3.06%
    NORWICH-NEW LONDON, CT 14 $2,990,000 $213,571 $4,360 2.89%
    MORRISTOWN, TN 12 $2,980,000 $248,333 $8,697 3.12%
    SHEBOYGAN, WI 10 $2,930,000 $293,000 $2,747 2.96%
    VALDOSTA, GA 16 $2,910,000 $181,875 $3,953 3.28%
    LANSING-EAST LANSING, MI 19 $2,815,000 $148,158 $4,401 3.03%
    CORPUS CHRISTI, TX 15 $2,815,000 $187,667 $3,148 2.82%
    DOTHAN, AL 18 $2,760,000 $153,333 $3,297 2.99%
    TRENTON-PRINCETON, NJ 11 $2,725,000 $247,727 $5,176 3.20%
    YUMA, AZ 15 $2,705,000 $180,333 $3,723 3.05%
    YORK-HANOVER, PA 14 $2,610,000 $186,429 $5,257 3.10%
    HINESVILLE, GA 16 $2,600,000 $162,500 $3,677 3.09%
    CHEYENNE, WY 9 $2,555,000 $283,889 $6,128 2.88%
    ST. CLOUD, MN 11 $2,545,000 $231,364 $4,084 2.93%
    WAUSAU-WESTON, WI 16 $2,510,000 $156,875 $2,854 2.92%
    KINGSPORT-BRISTOL, TN-VA 16 $2,500,000 $156,250 $3,253 3.09%
    TYLER, TX 12 $2,490,000 $207,500 $3,766 3.12%
    MCALLEN-EDINBURG-MISSION, TX 14 $2,480,000 $177,143 $4,079 2.79%
    SIERRA VISTA-DOUGLAS, AZ 17 $2,465,000 $145,000 $4,075 2.94%
    BURLINGTON-SOUTH BURLINGTON, VT 5 $2,465,000 $493,000 $12,365 3.22%
    SEBASTIAN-VERO BEACH, FL 8 $2,460,000 $307,500 $6,438 3.04%
    CANTON-MASSILLON, OH 17 $2,415,000 $142,059 $2,880 3.03%
    CHAMPAIGN-URBANA, IL 15 $2,325,000 $155,000 $3,809 2.92%
    CHARLESTON, WV 18 $2,320,000 $128,889 $4,560 3.33%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA 20 $2,300,000 $115,000 $2,998 3.04%
    FAIRBANKS, AK 9 $2,295,000 $255,000 $4,689 2.90%
    EUGENE-SPRINGFIELD, OR 10 $2,270,000 $227,000 $4,515 3.04%
    EVANSVILLE, IN-KY 14 $2,260,000 $161,429 $3,644 2.89%
    BROWNSVILLE-HARLINGEN, TX 10 $2,250,000 $225,000 $5,504 3.15%
    TUSCALOOSA, AL 13 $2,225,000 $171,154 $3,539 3.08%
    SPARTANBURG, SC 11 $2,205,000 $200,455 $3,530 3.06%
    FORT WAYNE, IN 17 $2,205,000 $129,706 $3,775 2.97%
    BRUNSWICK, GA 10 $2,200,000 $220,000 $3,971 3.11%
    READING, PA 15 $2,195,000 $146,333 $4,196 2.99%
    NEW BERN, NC 13 $2,165,000 $166,538 $3,351 2.92%
    LEXINGTON-FAYETTE, KY 14 $2,140,000 $152,857 $3,086 2.88%
    EAST STROUDSBURG, PA 8 $2,100,000 $262,500 $6,610 2.93%
    MERCED, CA 8 $2,100,000 $262,500 $4,093 3.26%
    WINCHESTER, VA-WV 7 $2,075,000 $296,429 $10,413 2.84%
    SHREVEPORT-BOSSIER CITY, LA 10 $2,070,000 $207,000 $4,531 3.15%
    YAKIMA, WA 10 $2,040,000 $204,000 $3,604 3.27%
    CHICO, CA 8 $2,040,000 $255,000 $5,782 3.09%
    IDAHO FALLS, ID 9 $2,035,000 $226,111 $4,643 3.02%
    ALBANY, GA 13 $2,025,000 $155,769 $3,703 3.16%
    SPRINGFIELD, IL 10 $2,020,000 $202,000 $2,762 2.97%
    HATTIESBURG, MS 12 $1,990,000 $165,833 $3,520 2.85%
    SALINAS, CA 4 $1,990,000 $497,500 $5,860 3.00%
    AUBURN-OPELIKA, AL 12 $1,970,000 $164,167 $3,787 3.16%
    FORT SMITH, AR-OK 15 $1,965,000 $131,000 $3,740 3.05%
    LA CROSSE-ONALASKA, WI-MN 11 $1,955,000 $177,727 $3,577 2.74%
    TOPEKA, KS 14 $1,950,000 $139,286 $4,038 3.14%
    ROANOKE, VA 10 $1,920,000 $192,000 $3,231 2.86%
    LAFAYETTE, LA 8 $1,890,000 $236,250 $5,139 3.08%
    GOLDSBORO, NC 10 $1,840,000 $184,000 $4,512 3.02%
    LINCOLN, NE 8 $1,840,000 $230,000 $6,706 2.84%
    MACON-BIBB COUNTY, GA 12 $1,800,000 $150,000 $3,954 3.15%
    TOLEDO, OH 15 $1,795,000 $119,667 $3,170 3.09%
    BELLINGHAM, WA 6 $1,790,000 $298,333 $4,770 3.05%
    WENATCHEE, WA 5 $1,785,000 $357,000 $3,348 3.01%
    ELKHART-GOSHEN, IN 12 $1,780,000 $148,333 $3,098 3.04%
    GRANTS PASS, OR 6 $1,770,000 $295,000 $5,043 3.40%
    BISMARCK, ND 8 $1,760,000 $220,000 $4,924 2.94%
    LUBBOCK, TX 11 $1,755,000 $159,545 $3,487 3.17%
    SCRANTON--WILKES-BARRE, PA 14 $1,740,000 $124,286 $3,422 3.03%
    PARKERSBURG-VIENNA, WV 8 $1,730,000 $216,250 $2,989 3.13%
    AKRON, OH 11 $1,695,000 $154,091 $3,280 3.11%
    LEBANON, PA 8 $1,690,000 $211,250 $6,701 3.21%
    FLORENCE, SC 9 $1,655,000 $183,889 $4,825 3.25%
    MIDLAND, MI 13 $1,655,000 $127,308 $2,376 3.10%
    CEDAR RAPIDS, IA 8 $1,640,000 $205,000 $4,312 2.62%
    LEWISTON, ID-WA 8 $1,630,000 $203,750 $3,488 2.95%
    TEXARKANA, TX-AR 9 $1,595,000 $177,222 $4,089 3.33%
    CHAMBERSBURG-WAYNESBORO, PA 8 $1,590,000 $198,750 $6,146 3.18%
    MORGANTOWN, WV 7 $1,585,000 $226,429 $3,830 3.38%
    ANN ARBOR, MI 9 $1,575,000 $175,000 $3,347 3.08%
    THE VILLAGES, FL 5 $1,565,000 $313,000 $4,035 2.92%
    GREELEY, CO 6 $1,560,000 $260,000 $5,480 2.91%
    CALIFORNIA-LEXINGTON PARK, MD 6 $1,550,000 $258,333 $4,713 2.83%
    TWIN FALLS, ID 7 $1,545,000 $220,714 $7,100 3.07%
    MANSFIELD, OH 10 $1,540,000 $154,000 $3,394 3.02%
    ERIE, PA 12 $1,510,000 $125,833 $2,758 2.92%
    STATE COLLEGE, PA 6 $1,460,000 $243,333 $4,248 2.89%
    FLAGSTAFF, AZ 5 $1,455,000 $291,000 $5,504 3.07%
    LONGVIEW, WA 7 $1,455,000 $207,857 $4,170 3.09%
    KINGSTON, NY 5 $1,445,000 $289,000 $2,876 2.88%
    JONESBORO, AR 8 $1,440,000 $180,000 $3,610 2.94%
    LOGAN, UT-ID 5 $1,435,000 $287,000 $7,661 3.12%
    ALEXANDRIA, LA 6 $1,430,000 $238,333 $5,870 3.04%
    GAINESVILLE, GA 6 $1,420,000 $236,667 $4,080 3.16%
    LEWISTON-AUBURN, ME 8 $1,420,000 $177,500 $4,383 2.96%
    JOHNSON CITY, TN 8 $1,420,000 $177,500 $3,659 2.75%
    BARNSTABLE TOWN, MA 6 $1,400,000 $233,333 $2,764 2.90%
    SUMTER, SC 9 $1,385,000 $153,889 $3,473 2.80%
    RAPID CITY, SD 7 $1,375,000 $196,429 $2,820 2.89%
    KALAMAZOO-PORTAGE, MI 8 $1,370,000 $171,250 $2,241 2.90%
    KENNEWICK-RICHLAND, WA 5 $1,355,000 $271,000 $5,335 2.94%
    IOWA CITY, IA 6 $1,340,000 $223,333 $2,783 3.02%
    ATHENS-CLARKE COUNTY, GA 7 $1,315,000 $187,857 $2,956 3.11%
    LANCASTER, PA 6 $1,310,000 $218,333 $4,741 2.71%
    GLENS FALLS, NY 8 $1,300,000 $162,500 $4,682 3.19%
    LONGVIEW, TX 7 $1,295,000 $185,000 $4,441 3.11%
    UTICA-ROME, NY 8 $1,280,000 $160,000 $2,480 3.12%
    LYNCHBURG, VA 8 $1,270,000 $158,750 $5,092 2.91%
    TERRE HAUTE, IN 12 $1,270,000 $105,833 $2,524 3.10%
    AMARILLO, TX 8 $1,250,000 $156,250 $4,666 3.68%
    SHERMAN-DENISON, TX 7 $1,245,000 $177,857 $6,039 3.30%
    AMES, IA 7 $1,225,000 $175,000 $2,973 2.67%
    BURLINGTON, NC 7 $1,225,000 $175,000 $3,717 3.31%
    VICTORIA, TX 5 $1,225,000 $245,000 $5,325 3.04%
    BLOOMINGTON, IN 7 $1,215,000 $173,571 $4,305 2.68%
    BEAUMONT-PORT ARTHUR, TX 6 $1,210,000 $201,667 $4,945 3.21%
    ABILENE, TX 9 $1,205,000 $133,889 $3,465 3.07%
    LAFAYETTE-WEST LAFAYETTE, IN 7 $1,195,000 $170,714 $3,781 2.95%
    NAPA, CA 3 $1,195,000 $398,333 $7,291 3.37%
    YUBA CITY, CA 5 $1,185,000 $237,000 $3,447 2.99%
    JOPLIN, MO 9 $1,155,000 $128,333 $2,831 3.03%
    ATLANTIC CITY-HAMMONTON, NJ 6 $1,140,000 $190,000 $4,931 2.77%
    MUNCIE, IN 8 $1,140,000 $142,500 $2,739 2.94%
    WACO, TX 5 $1,125,000 $225,000 $3,453 2.92%
    DECATUR, AL 7 $1,125,000 $160,714 $3,180 3.10%
    SAGINAW, MI 8 $1,120,000 $140,000 $3,762 3.28%
    CARBONDALE-MARION, IL 8 $1,100,000 $137,500 $4,197 3.14%
    ROCKY MOUNT, NC 8 $1,100,000 $137,500 $2,979 2.97%
    HANFORD-CORCORAN, CA 5 $1,095,000 $219,000 $3,117 2.65%
    COLUMBIA, MO 6 $1,090,000 $181,667 $4,548 3.18%
    POCATELLO, ID 6 $1,080,000 $180,000 $2,188 2.98%
    SAN ANGELO, TX 5 $1,065,000 $213,000 $7,442 2.82%
    ANNISTON-OXFORD, AL 7 $1,065,000 $152,143 $4,059 2.98%
    GREENVILLE, NC 7 $1,045,000 $149,286 $4,409 2.95%
    PITTSFIELD, MA 5 $1,025,000 $205,000 $5,793 3.14%
    LAKE CHARLES, LA 6 $1,020,000 $170,000 $4,422 3.20%
    GRAND JUNCTION, CO 4 $1,020,000 $255,000 $6,193 2.86%
    JACKSON, MI 8 $1,010,000 $126,250 $2,937 2.86%
    BATTLE CREEK, MI 8 $1,010,000 $126,250 $3,267 2.92%
    OWENSBORO, KY 6 $1,010,000 $168,333 $3,492 3.06%
    MUSKEGON, MI 6 $970,000 $161,667 $2,666 3.12%
    MONROE, LA 6 $960,000 $160,000 $3,898 3.19%
    BINGHAMTON, NY 7 $955,000 $136,429 $3,829 3.53%
    JACKSON, TN 5 $955,000 $191,000 $3,533 3.09%
    ENID, OK 6 $950,000 $158,333 $3,690 2.79%
    LAWTON, OK 5 $945,000 $189,000 $2,198 3.18%
    WICHITA FALLS, TX 6 $900,000 $150,000 $2,933 3.02%
    WHEELING, WV-OH 7 $895,000 $127,857 $4,343 2.88%
    JOHNSTOWN, PA 7 $885,000 $126,429 $2,890 3.09%
    SIOUX CITY, IA-NE-SD 4 $870,000 $217,500 $7,392 2.55%
    EL CENTRO, CA 6 $870,000 $145,000 $3,066 3.18%
    FOND DU LAC, WI 6 $870,000 $145,000 $4,150 2.77%
    CASPER, WY 4 $870,000 $217,500 $4,267 3.02%
    FARMINGTON, NM 6 $860,000 $143,333 $4,602 3.44%
    HOT SPRINGS, AR 6 $860,000 $143,333 $2,791 3.04%
    SEBRING-AVON PARK, FL 7 $855,000 $122,143 $2,319 3.14%
    MANKATO, MN 4 $850,000 $212,500 $3,425 2.88%
    REDDING, CA 3 $805,000 $268,333 $8,630 2.52%
    COLUMBUS, IN 5 $805,000 $161,000 $5,694 2.79%
    ALBANY-LEBANON, OR 4 $800,000 $200,000 $2,594 3.16%
    GREAT FALLS, MT 4 $800,000 $200,000 $4,371 2.76%
    WATERTOWN-FORT DRUM, NY 4 $780,000 $195,000 $4,529 3.52%
    STAUNTON, VA 5 $755,000 $151,000 $2,669 2.90%
    BANGOR, ME 5 $745,000 $149,000 $2,058 3.08%
    WALLA WALLA, WA 3 $735,000 $245,000 $4,451 2.82%
    BOWLING GREEN, KY 4 $730,000 $182,500 $2,735 3.08%
    GETTYSBURG, PA 3 $725,000 $241,667 $6,035 3.04%
    WILLIAMSPORT, PA 4 $710,000 $177,500 $5,072 3.18%
    ALTOONA, PA 6 $700,000 $116,667 $2,624 2.71%
    SPRINGFIELD, OH 5 $695,000 $139,000 $4,412 2.85%
    DUBUQUE, IA 3 $695,000 $231,667 $2,444 3.71%
    CAPE GIRARDEAU, MO-IL 3 $685,000 $228,333 $6,611 3.36%
    WEIRTON-STEUBENVILLE, WV-OH 5 $655,000 $131,000 $3,373 2.97%
    BAY CITY, MI 4 $650,000 $162,500 $1,799 3.09%
    FLORENCE-MUSCLE SHOALS, AL 5 $645,000 $129,000 $3,995 3.30%
    ST. JOSEPH, MO-KS 5 $635,000 $127,000 $4,747 3.62%
    OCEAN CITY, NJ 3 $615,000 $205,000 $2,427 3.33%
    GRAND ISLAND, NE 4 $610,000 $152,500 $4,795 3.10%
    VINELAND-BRIDGETON, NJ 4 $590,000 $147,500 $2,285 3.06%
    GADSDEN, AL 5 $585,000 $117,000 $2,979 3.40%
    CUMBERLAND, MD-WV 4 $560,000 $140,000 $2,634 4.02%
    MIDLAND, TX 2 $550,000 $275,000 $1,080 3.28%
    WATERLOO-CEDAR FALLS, IA 3 $515,000 $171,667 $2,641 2.74%
    PINE BLUFF, AR 4 $490,000 $122,500 $1,329 3.38%
    BECKLEY, WV 3 $465,000 $155,000 $3,633 2.93%
    JEFFERSON CITY, MO 3 $435,000 $145,000 $2,461 2.59%
    CORVALLIS, OR 1 $425,000 $425,000 $5,188 2.49%
    BLACKSBURG-CHRISTIANSBURG, VA 2 $420,000 $210,000 $4,292 3.02%
    CLEVELAND, TN 3 $415,000 $138,333 $3,657 3.10%
    ROME, GA 3 $405,000 $135,000 $3,778 3.14%
    BLOOMSBURG-BERWICK, PA 3 $385,000 $128,333 $3,141 3.02%
    MOUNT VERNON-ANACORTES, WA 1 $385,000 $385,000 $1,787 2.63%
    HARRISONBURG, VA 1 $365,000 $365,000 $2,809 3.13%
    DANVILLE, IL 3 $365,000 $121,667 $2,605 2.58%
    HOUMA-THIBODAUX, LA 2 $360,000 $180,000 $3,470 2.87%
    COLLEGE STATION-BRYAN, TX 2 $330,000 $165,000 $2,293 3.06%
    KOKOMO, IN 2 $230,000 $115,000 $2,284 2.63%
    MONROE, MI 1 $225,000 $225,000 $1,542 3.49%
    LAREDO, TX 2 $220,000 $110,000 $3,635 2.94%
    ODESSA, TX 1 $215,000 $215,000 $5,024 3.79%
    HAMMOND, LA 1 $205,000 $205,000 $5,985 2.75%
    BILLINGS, MT 1 $155,000 $155,000 $7,640 2.75%
    ELMIRA, NY 1 $115,000 $115,000 $0 3.69%
    ITHACA, NY 1 $105,000 $105,000 $1,801 3.38%
    DECATUR, IL 2 $90,000 $45,000 $3,766 3.87%
    LAWRENCE, KS 1 $85,000 $85,000 $5,606 3.49%
    LIMA, OH 1 $85,000 $85,000 $4,838 3.25%

    Barrington Bank & Trust Company N.a.'s top markets include Chicago, Los Angeles, Minneapolis, Lake County, and Madison among others.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 13,625 $3,712,855,000 $272,503
    3-4% 12,824 $3,552,640,000 $277,031
    <2.5% 2,229 $594,415,000 $266,673
    4-5% 810 $175,460,000 $216,617
    5-6% 108 $23,330,000 $216,019
    6-7% 8 $2,260,000 $282,500

    During 2020, Barrington Bank & Trust Company N.a.'s average interest rate was 3.17%, while their most frequently originated rate bucket was 2.5-3%, with 13,625 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 13,270 $3,737,470,000 $281,648 $4,269 3.09%
    $100k-200k 9,212 $1,410,480,000 $153,113 $3,540 3.10%
    $400k-600k 3,679 $1,751,145,000 $475,984 $4,924 3.10%
    $100,000 or less 2,251 $174,915,000 $77,705 $2,779 3.20%
    $600k-1MM 993 $715,975,000 $721,022 $7,026 3.12%
    $1MM+ 199 $270,975,000 $1,361,683 $10,955 3.10%

    2020 saw Barrington Bank & Trust Company N.a. place emphasis on $200k-400k loans with 13,270 originations, totaling $3,737,470,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 5,273 $1,627,425,000 $308,634 $4,345 3.15%
    $50k-75k 4,659 $944,515,000 $202,729 $4,718 3.18%
    $150k-250k 4,001 $1,529,965,000 $382,396 $4,056 3.13%
    $75k-100k 3,908 $986,170,000 $252,346 $4,651 3.18%
    $50k or less 2,678 $384,370,000 $143,529 $4,508 3.24%
    $250k+ 1,880 $998,400,000 $531,064 $4,695 3.09%

    Barrington Bank & Trust Company N.a. lent most frequently to those with incomes in the $100k-150k range, with 5,273 originations. The second most popular income band? $50k-75k, with 4,659 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 5,559 $1,636,745,000 $294,432 $3,762 3.11%
    30-36% 4,147 $1,205,825,000 $290,770 $4,190 3.16%
    <20% 2,193 $654,325,000 $298,370 $3,285 3.03%
    50-60% 1,259 $330,955,000 $262,871 $7,472 3.21%
    44% 858 $227,670,000 $265,350 $4,835 3.26%
    42% 813 $239,725,000 $294,865 $4,980 3.22%
    43% 784 $206,840,000 $263,827 $4,659 3.25%
    36% 748 $214,140,000 $286,283 $4,485 3.17%
    39% 748 $217,380,000 $290,615 $4,692 3.21%
    41% 744 $222,810,000 $299,476 $4,822 3.22%
    38% 742 $217,380,000 $292,965 $4,650 3.19%
    40% 730 $215,780,000 $295,589 $4,349 3.20%
    37% 690 $193,250,000 $280,072 $4,407 3.22%
    49% 590 $167,810,000 $284,424 $4,886 3.21%
    45% 574 $160,520,000 $279,652 $4,849 3.20%
    46% 523 $151,665,000 $289,990 $4,814 3.20%
    48% 512 $144,020,000 $281,289 $5,150 3.27%
    47% 499 $138,245,000 $277,044 $4,949 3.21%
    >60% 155 $54,315,000 $350,419 $9,308 3.06%

    Barrington Bank & Trust Company N.a. lent most frequently to those with DTI ratios of 20-30%, with 5,559 originations. The next most common DTI ratio? 30-36%, with 4,147 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 22,646 $6,149,750,000 $271,560 $3,987 3.11%
    Not provided 3,522 $996,830,000 $283,030 $4,810 3.07%
    Black 2,169 $507,195,000 $233,838 $4,644 3.15%
    Asian 843 $272,345,000 $323,066 $4,127 3.08%
    American Indian 148 $36,410,000 $246,014 $4,915 3.11%
    Asian Indian 104 $36,120,000 $347,308 $3,693 2.96%
    Native Hawaiian 49 $15,915,000 $324,796 $6,431 3.08%
    Not applicable 12 $12,090,000 $1,007,500 $0 3.89%
    Other Asian 29 $10,565,000 $364,310 $4,840 2.95%
    Filipino 34 $9,710,000 $285,588 $4,542 2.93%
    Chinese 12 $4,230,000 $352,500 $3,157 2.89%
    Other Pacific Islander 9 $2,545,000 $282,778 $4,736 3.13%
    Korean 10 $2,540,000 $254,000 $4,115 2.91%
    Vietnamese 8 $1,750,000 $218,750 $3,378 2.83%
    Japanese 5 $1,565,000 $313,000 $4,421 3.13%
    Native Hawiian 2 $900,000 $450,000 $5,154 3.18%
    Samoan 1 $295,000 $295,000 $2,560 3.69%
    Guamanian 1 $205,000 $205,000 $2,758 2.59%

    Approval Rates

    Total approvals of all applications
    93.70%

    Barrington Bank & Trust Company N.a. has an average approval rate.

    Pick Rate

    Approvals leading to origination
    58.00%

    Barrington Bank & Trust Company N.a. has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 29,604 $8,060,960,000 $272,293

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 11 $12,305,000 $1,118,636
    Single Family (1-4 Units):Manufactured 783 $101,835,000 $130,057
    Single Family (1-4 Units):Site-Built 28,810 $7,946,820,000 $275,835

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 861 $215,215,000 $249,959 $3,361 2.95%
    40-60% 3,266 $968,480,000 $296,534 $3,223 2.99%
    60-80% 8,210 $2,573,070,000 $313,407 $3,495 3.18%
    80-100% 9,684 $2,589,880,000 $267,439 $5,145 3.23%
    Over 100% 836 $260,240,000 $311,292 $11,599 3.09%
    Under 20% 62 $13,050,000 $210,484 $3,689 3.02%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Barrington Bank & Trust Company, National Association 988 E Dundee Rd Palatine, IL 60074 Full Service B&M $11,464
    Barrington Bank & Trust Company, National Association 110 W Palatine Rd Palatine, IL 60067 Full Service B&M $188,611
    Barrington Bank & Trust Company, National Association 1375 Palatine Road Hoffman Estates, IL 60192 Full Service B&M $99,544
    Barrington Bank & Trust Company, National Association 201 South Hough Street Barrington, IL 60010 Full Service B&M $1,915,054
    Barrington Bank & Trust Company, National Association 2200 West Higgins Road Hoffman Estates, IL 60169 Full Service B&M $77,816
    Barrington Bank & Trust Company, National Association 233 W. Northwest Highway Barrington, IL 60010 Full Service Retail $68,844
    Barrington Bank & Trust Company, National Association 2497 West Golf Road Hoffman Estates, IL 60169 Full Service B&M $55,408
    Barrington Bank & Trust Company, National Association 6800 Barrington Road Hanover Park, IL 60133 Full Service B&M $78,275

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $83,087
    Net interest income $71,949
    Total noninterest income $360,559
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $2,709
    Trading account gains and fees $40,638
    Additional Noninterest Income $317,212
    Pre-tax net operating income $144,141
    Securities gains (or losses, -) $59
    Income before extraordinary items $106,842
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $106,842
    Minority interest net income $0
    Net income $106,842
    Sale, conversion, retirement of capital stock, net $-119
    Net operating income $106,795

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $11,138
    Provision for credit losses $9,553
    Total noninterest expense $278,814
    Salaries and employee benefits $196,875
    Premises and equipment expense $10,379
    Additional noninterest expense $71,560
    Applicable income taxes $37,358
    Net charge-offs $5,287
    Cash dividends $82,000

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 5.0%
    Real Estate loans 9.0%
    Construction & Land Development loans 2.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 11.0%
    HELOC loans 4.0%
    All other family 11.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $2,690,160
    Deposits held in domestic offices $2,690,160
    Deposits by Individuals, partnerships, and corporations $2,535,789
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $149,233
    Deposits by Commercial banks and other depository institutions in U.S. $5,138
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $1,233,985
    Demand deposits $1,227,063
    Nontransaction accounts $1,456,175
    Money market deposit accounts (MMDAs) $1,030,449
    Other savings deposits (excluding MMDAs) $162,803
    Total time deposits $262,923
    Total time and savings deposits $1,463,097
    Noninterest-bearing deposits $1,181,792
    Interest-bearing deposits $1,508,368
    Retail deposits $2,423,897
    IRAs and Keogh plan accounts $66,585
    Brokered deposits $187,698
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,620,042
    Cash & Balances due from depository institutions $87,904
    Interest-bearing balances $65,543
    Total securities $139,392
    Federal funds sold & reverse repurchase $3
    Net loans and leases $3,080,822
    Loan and leases loss allowance $12,274
    Trading account assets $52,079
    Bank premises and fixed assets $44,128
    Other real estate owned $2,457
    Goodwill and other intangibles $134,447
    All other assets $78,810

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,620,042
    Total Liabilities $3,226,326
    Total deposits $2,690,160
    Interest-bearing deposits $1,508,368
    Deposits held in domestic offices $2,690,160
    % insured (estimated) $59
    Federal funds purchased and repurchase agreements $313,000
    Trading liabilities $15,662
    Other borrowed funds $117,354
    Subordinated debt $0
    All other liabilities $90,150

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $3,080,822
    Loan and leases loss allowance $12,274
    Total loans and leases (domestic) $3,093,096
    All real estate loans $1,775,926
    Real estate loans in domestic offices $1,775,926
    Construction and development loans $47,162
    Residential 1-4 family construction $2,252
    Other construction, all land development and other land $44,910
    Loans secured by nonfarm nonresidential properties $195,925
    Nonfarm nonresidential secured by owner-occupied properties $82,118
    Commercial real estate & other non-farm, non-residential $113,807
    Multifamily residential real estate $26,799
    1-4 family residential loans $1,506,040
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $762,173
    To non-U.S. addressees $0
    Loans to individuals $544,515
    Credit card loans $0
    Related Plans $74
    Consumer Auto Loans $2
    Other loans to individuals $544,439
    All other loans & leases $10,481
    Loans to foreign governments and official institutions $0
    Other loans $60
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $273,365
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $2,994
    Non 1-4 family restructured loans & leases $27
    Total loans and leases (foreign) $0

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 124 $41,947 $338,282
    Nonfarm, nonresidential loans - <$100k 8 $642 $80,250
    Nonfarm, nonresidential loans - $100-250k 41 $6,245 $152,317
    Nonfarm, nonresidential loans - $250k-1MM 75 $35,060 $467,467
    Commercial & Industrial, US addressed loans - <$1MM 8,707 $283,483 $32,558
    Commercial & Industrial, US addressed loans - <$100k 7,543 $60,900 $8,074
    Commercial & Industrial, US addressed loans - $100-250k 588 $53,336 $90,707
    Commercial & Industrial, US addressed loans - $250k-1MM 576 $169,247 $293,832