Barrington Bank & Trust Company at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
54th9.1% deniedPricingmedian rate spread over APOR, weight 30%
46th0.27 ptsProcesswithdrawn + incomplete share, weight 15%
17th26.1%Closing coststotal loan costs ÷ loan amount, weight 10%
69th1.87% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 11,096 | 6,997 | 7.9% | 10.6% | 6.75% | $2.0B |
| 2024 | 12,741 | 8,213 | 6.6% | 8.9% | 6.63% | $2.7B |
| 2025 | 11,708 | 7,752 | 6.7% | 9.1% | 6.63% | $2.7B |
What Barrington Bank & Trust Company lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 264 manufactured homes, 637 investment properties.
Why Barrington Bank & Trust Company denies applications
Primary reason reported for each of the 788 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Barrington Bank & Trust Company
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 972 | 517 | 22.0% |
| $50k – $100k | 3,662 | 2,366 | 12.1% |
| $100k – $150k | 2,324 | 1,597 | 7.9% |
| $150k – $250k | 2,134 | 1,499 | 5.1% |
| Over $250k | 1,530 | 993 | 4.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 452 | 329 | 5.9% |
| 25–34 | 2,685 | 1,911 | 6.1% |
| 35–44 | 2,560 | 1,765 | 8.5% |
| 45–54 | 1,986 | 1,273 | 11.0% |
| 55–64 | 1,949 | 1,251 | 11.3% |
| 65–74 | 1,373 | 833 | 10.2% |
| Over 74 | 677 | 364 | 13.1% |
Where Barrington Bank & Trust Company lends
51 states and 1,590 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Illinois | 3,980 | 2,719 | 5.4% | 6.63% | #23 |
| Wisconsin | 1,492 | 1,224 | 4.4% | 6.49% | #34 |
| California | 599 | 371 | 4.7% | 6.50% | #234 |
| Iowa | 480 | 328 | 8.8% | 6.63% | #49 |
| Florida | 427 | 252 | 7.5% | 6.63% | #260 |
| Texas | 369 | 179 | 13.3% | 6.50% | #313 |
| Michigan | 342 | 223 | 6.4% | 6.75% | #160 |
| Minnesota | 332 | 237 | 7.8% | 6.63% | #108 |
| New York | 282 | 179 | 8.2% | 6.75% | #183 |
| North Carolina | 272 | 174 | 5.5% | 6.75% | #206 |
| Georgia | 237 | 138 | 11.4% | 6.49% | #226 |
| Indiana | 223 | 137 | 11.2% | 6.63% | #188 |
| Montana | 188 | 109 | 5.3% | 6.28% | #50 |
| Virginia | 170 | 105 | 3.5% | 6.75% | #224 |
| Ohio | 159 | 87 | 12.6% | 6.63% | #267 |
| Pennsylvania | 148 | 96 | 9.5% | 6.56% | #324 |
| South Carolina | 130 | 79 | 6.2% | 6.63% | #226 |
| Arizona | 121 | 73 | 10.7% | 6.63% | #224 |
| Tennessee | 121 | 73 | 9.9% | 6.75% | #289 |
| Alabama | 116 | 74 | 10.3% | 6.75% | #209 |
| Missouri | 113 | 65 | 3.5% | 6.49% | #256 |
| Louisiana | 97 | 49 | 11.3% | 6.50% | #183 |
| Mississippi | 92 | 50 | 6.5% | 6.49% | #136 |
| North Dakota | 85 | 64 | 7.1% | 6.25% | #54 |
| Arkansas | 78 | 49 | 12.8% | 6.50% | #173 |
| Oklahoma | 77 | 48 | 6.5% | 6.75% | #219 |
| Washington | 74 | 45 | 4.1% | 6.50% | #267 |
| Nevada | 72 | 46 | 11.1% | 6.56% | #174 |
| Kentucky | 70 | 44 | 5.7% | 6.49% | #238 |
| Maryland | 68 | 31 | 19.1% | 6.75% | #283 |
| Utah | 63 | 44 | 7.9% | 6.43% | #156 |
| Kansas | 58 | 33 | 5.2% | 6.75% | #210 |
| Colorado | 56 | 34 | 7.1% | 6.56% | #287 |
| Massachusetts | 53 | 27 | 5.7% | 6.63% | #317 |
| New Mexico | 53 | 30 | 9.4% | 6.75% | #148 |
| Connecticut | 51 | 28 | 11.8% | 6.25% | #215 |
| New Jersey | 47 | 26 | 2.1% | 6.31% | #366 |
| West Virginia | 46 | 21 | 21.7% | 6.49% | #142 |
| Oregon | 45 | 24 | 4.4% | 6.69% | #238 |
| Nebraska | 37 | 25 | 8.1% | 6.75% | #161 |
| Idaho | 29 | 20 | 3.5% | 6.56% | #197 |
| Maine | 25 | 15 | 12.0% | 6.75% | #159 |
| Delaware | 20 | 10 | 5.0% | 6.25% | #186 |
| New Hampshire | 19 | 17 | 5.3% | 6.25% | #199 |
| South Dakota | 18 | 11 | 16.7% | 5.99% | #110 |
| Hawaii | 17 | 8 | 5.9% | 6.19% | #137 |
| Alaska | 16 | 10 | 6.3% | 6.50% | #88 |
| Vermont | 12 | 8 | 0.0% | 6.75% | #103 |
| District of Columbia | 10 | 4 | 0.0% | 5.87% | #182 |
| Rhode Island | 10 | 3 | 20.0% | 6.75% | #189 |
| Wyoming | 9 | 6 | 0.0% | 6.63% | #152 |
Frequently asked questions
Barrington Bank & Trust Company denied 9.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 54th percentile of mid-size mortgage lenders.
The most common reason Barrington Bank & Trust Company gave in 2025 was "debt-to-income ratio", cited on 32.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Barrington Bank & Trust Company originated in 2025 was 6.63%, and its median rate spread over the average prime offer rate was 0.27 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 64% of its applications were for home purchases, 31% for refinancing (including cash-out), and 4% for home improvement or other purposes. By loan type: 68% conventional, 9% FHA, 22% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.