Applications / Mortgage Analytics / Lenders / Illinois / Barrington Bank & Trust Company
Barrington, IL · National bank · OCC · $4.8 billion assets · 7,752 loans in 2025
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7,752
loans originated, 2025
11,708
applications, 2025
51
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Barrington Bank & Trust Company is a veterans' lender among national banks: 21.1% of its loans were guaranteed by the Department of Veterans Affairs (VA), the highest share among similar lenders, where the typical figure was 0.9%.
Similar lenders are national banks making between half and twice as many loans. Its conventional share, 71.2%, was the lowest among them, and loans insured by the Federal Housing Administration (FHA) were 7.1% against 2.5% for the typical peer. Its VA share has fallen from 35.7% five years before.
It made 7,752 loans, against 29,604 in 2020, and fell 6% last year while the typical peer grew 2%, lower growth than more than eight in ten similar lenders. Its typical rate was 3.00% in 2020 and 6.62% now; lending that rose with low rates may have fallen back as they climbed.
It lent in 1,284 counties across 51 states and ranks 10 of 902 in Chicago. In Madison, WI, it ranks 5 of 380, but its share fell from 3.6% to 2.9%, which could reflect stronger local competitors such as Summit Credit Union.
It turned down 8.0% of first-lien home-purchase applications on owner-occupied homes, against 11.2% for the typical peer, and 9.9% of refinance applications, against 22.4%, lower than about seven in ten and four in five similar lenders. Its typical rate matched peers at 6.62%, and its share of higher-priced loans (a rate well above the average for similar loans), 2.2%, sat near the middle.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Barrington Bank & Trust Company took 11,708 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 67.2% · Refinance 29.6% · Other 1.9% · Home improvement 1.3%
Conventional 71.2% · VA 21.1% · FHA 7.1% · USDA (RHS or FSA) 0.6% · of 7,752 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Illinois | 2,719 | 35.1% |
| Wisconsin | 1,224 | 15.8% |
| California | 371 | 4.8% |
| Iowa | 328 | 4.2% |
| Florida | 252 | 3.3% |
| Minnesota | 237 | 3.1% |
| Michigan | 223 | 2.9% |
| New York | 179 | 2.3% |
| Texas | 179 | 2.3% |
| North Carolina | 174 | 2.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 1,967 |
| Madison | 478 |
| Lake County | 351 |
| Des Moines-West Des Moines | 241 |
| Elgin | 193 |
| Minneapolis-St. Paul-Bloomington | 177 |
| Milwaukee-Waukesha | 171 |
| Los Angeles-Long Beach-Glendale | 103 |
| Rockford | 97 |
| Grand Rapids-Wyoming-Kentwood | 71 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | C398JSK21YCXWM603F55 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2508751 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 123216 | 1998–2017 |
Established 19 December 1996. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: Barrington Bank & Trust Company's data.
Barrington Bank & Trust Company's data
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Barrington Bank & Trust Company and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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