Barrington Bank & Trust Company, N.A.: 2025 mortgage rates, costs & approvals
How Barrington Bank & Trust Company, N.A. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Barrington Bank & Trust Company, National Association · LEI C398JSK21YCXWM603F55
In 2025, Barrington Bank & Trust Company, N.A. originated 6,728 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 51 states — 91st by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.75% (all lenders: 6.625%); its median rate spread was 12 basis points above the national median. Median conventional loan costs were $5,820, 4% higher than the national median ($5,570).
It denied 7.7% of completed home-purchase applications (all lenders: 8.5%).
How Barrington Bank & Trust Company, N.A. priced home-purchase loans
| Purchase loans, 2025 | Barrington Bank & Trust Company, N.A. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.750% | 6.625% |
| 30-year fixed rate · FHA | 6.750% | 6.250% |
| 30-year fixed rate · VA | 6.750% | 6.125% |
| 15-year fixed rate · conventional | 5.990% | 5.875% |
| Rate spread vs. APOR · conventional | +0.26 pts | +0.13 pts |
| Total loan costs · conventional | $5,820 | $5,570 |
| Total loan costs · FHA | $10,110 | $11,310 |
| Total loan costs · VA | $4,960 | $6,490 |
| Origination charges (all types) | $1,530 | $1,860 |
| Borrowers paying discount points | 42.8% | 51.3% |
| Points paid, when paid (% of loan) | 0.62% | 0.87% |
| Borrowers receiving lender credits | 33.9% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Barrington Bank & Trust Company, N.A. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Barrington Bank & Trust Company, N.A. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Illinois | 2,420 | 2,630 | 6.1% | 6.875% | $6,170 |
| Wisconsin | 1,086 | 1,146 | 4.7% | 6.625% | $3,230 |
| Iowa | 315 | 359 | 10.0% | 6.625% | $3,660 |
| California | 292 | 318 | 5.8% | 6.750% | $7,670 |
| Minnesota | 206 | 229 | 4.9% | 6.750% | $5,200 |
| Florida | 182 | 208 | 10.4% | 6.875% | $5,630 |
| Michigan | 170 | 185 | 6.6% | 6.750% | $3,810 |
| New York | 161 | 183 | 13.9% | — | $5,380 |
| Texas | 159 | 199 | 17.4% | 6.625% | $5,570 |
| North Carolina | 140 | 155 | 4.7% | 6.875% | $4,610 |
| Georgia | 120 | 145 | 19.7% | — | $4,640 |
| Indiana | 117 | 133 | 8.3% | 6.625% | $3,400 |
| Virginia | 99 | 106 | 5.6% | 6.750% | $4,110 |
| Montana | 96 | 105 | 7.8% | — | $7,300 |
| Pennsylvania | 88 | 99 | 11.1% | — | — |
| Ohio | 75 | 95 | 20.0% | — | — |
| Alabama | 64 | 72 | 8.6% | — | — |
| Tennessee | 63 | 69 | 5.4% | — | $4,370 |
| South Carolina | 62 | 70 | 15.6% | — | — |
| North Dakota | 59 | 62 | 5.5% | 6.375% | $4,360 |
| Missouri | 58 | 63 | 7.1% | — | — |
| Arizona | 52 | 61 | 11.1% | — | $5,320 |
| Oklahoma | 46 | 52 | 7.7% | — | — |
| Louisiana | 43 | 50 | 15.4% | — | — |
| Mississippi | 42 | 51 | 25.0% | — | — |
| Nevada | 39 | 45 | 19.2% | — | — |
| Arkansas | 38 | 45 | — | — | — |
| Utah | 37 | 41 | 11.1% | — | — |
| Kentucky | 35 | 39 | — | — | — |
| Washington | 34 | 39 | 4.8% | — | — |
| Kansas | 30 | 32 | 4.8% | — | — |
| Colorado | 29 | 32 | — | — | — |
| Maryland | 28 | 39 | 37.5% | — | — |
| New Jersey | 26 | 27 | — | — | — |
| New Mexico | 25 | 29 | — | — | — |
| Connecticut | 24 | 31 | — | — | — |
| Massachusetts | 23 | 27 | — | — | — |
| Nebraska | 23 | 24 | — | — | — |
| West Virginia | 18 | 25 | — | — | — |
| Oregon | 17 | 19 | — | — | — |
| New Hampshire | 16 | 16 | — | — | — |
| Maine | 12 | 15 | — | — | — |
| South Dakota | 11 | 14 | — | — | — |
| Idaho | 10 | 11 | — | — | — |
| Delaware | 9 | 11 | — | — | — |
| Alaska | 9 | 9 | — | — | — |
| Wyoming | 6 | 7 | — | — | — |
| Hawaii | 5 | 5 | — | — | — |
| Vermont | 5 | 5 | — | — | — |
| Rhode Island | 2 | 4 | — | — | — |
| District of Columbia | 2 | 2 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Barrington Bank & Trust Company, N.A.'s page for that state.
Counties where Barrington Bank & Trust Company, N.A. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Hyde County, SD | 8 | 1 | 10.0% |
| Pepin County, WI | 3 | 8 | 9.3% |
| Stafford County, KS | 5 | 2 | 9.1% |
| Wheeler County, OR | 7 | 1 | 9.1% |
| Cook County, MN | 3 | 4 | 8.5% |
| Grand Forks County, ND | 3 | 52 | 7.0% |
| Madison County, IA | 2 | 21 | 6.9% |
| Dane County, WI | 4 | 419 | 5.6% |
| Osborne County, KS | 11 | 1 | 5.6% |
| Harlan County, NE | 13 | 1 | 4.5% |
| Flathead County, MT | 5 | 66 | 4.5% |
| Cameron County, PA | 11 | 1 | 4.3% |
| Claiborne Parish, LA | 11 | 3 | 4.1% |
| Edwards County, IL | 19 | 1 | 3.6% |
| Wirt County, WV | 13 | 1 | 3.6% |
Check Barrington Bank & Trust Company, N.A. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI C398JSK21YCXWM603F55.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Barrington Bank & Trust Company, N.A. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology