# Barrington Bank & Trust Company, National Association

> **Canonical URL:** https://saferate.com/lenders/barrington-bank-trust-company-national-association


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Barrington Bank & Trust Company, National Association is a bank, headquartered in Barrington, IL, serving borrowers nationwide, with 6,904 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 64% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 31% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** C398JSK21YCXWM603F55
- **Headquarters:** Barrington, IL
- **Geographic Reach:** National
- **States Served:** 51
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 36/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 69/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.354%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,323
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 6,904
- **Dollar Volume:** $2.3 billion
- **Applications Received:** 10,508
- **Market Share:** 19.00%

## Typical Borrower Profile

- **Average Loan Amount:** $338,116
- **Average Borrower Income:** $147,248
- **Average Property Value:** $448,434

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (62%)
- ⭐ **Jumbo Gold Superstar** (64%)
- ⭐ **USDA Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (62%)
- ⭐ **Refinance Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 85/100 | 4,692 | +0.337% | $1,966 | Exceptional 🤩 |
| FHA | 82/100 | 740 | +0.864% | $3,069 | Exceptional 🤩 |
| VA | 86/100 | 1,308 | +0.141% | $3,577 | Exceptional 🤩 |
| Jumbo | 77/100 | 107 | +0.178% | $1,059 | Strong 😀 |
| USDA | 83/100 | 57 | +0.133% | $2,370 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 3,957 loans, Score: 86/100 (Exceptional)
- Refinance: 735 loans, Score: 79/100 (Strong)

**FHA:**
- Purchase: 608 loans, Score: 81/100 (Exceptional)
- Refinance: 132 loans, Score: 78/100 (Strong)

**VA:**
- Purchase: 833 loans, Score: 84/100 (Exceptional)
- Refinance: 475 loans, Score: 87/100 (Exceptional)

**Jumbo:**
- Purchase: 88 loans, Score: 78/100 (Strong)

**USDA:**
- Purchase: 49 loans, Score: 82/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 86/100 | 5,535 | $1.9B | +0.365% | Exceptional 🤩 |
| Refinance | 80/100 | 1,369 | $443M | +0.307% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IL | 2,395 | 1.92% | 93/100 |
| WI | 1,160 | 1.76% | 88/100 |
| CA | 404 | 0.14% | 66/100 |
| IA | 315 | 0.89% | 71/100 |
| MN | 281 | 0.43% | 70/100 |
| FL | 259 | 0.09% | 61/100 |
| MI | 142 | 0.13% | 60/100 |
| TX | 141 | 0.04% | 55/100 |
| GA | 124 | 0.09% | 59/100 |
| IN | 117 | 0.13% | 59/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Chicago | IL | 1,731 | 92/100 |
| Non |  | 907 | 75/100 |
| Madison, WI | WI | 438 | 83/100 |
| Lake County, IL | IL | 329 | 99/100 |
| Des Moines | IA | 237 | 77/100 |
| Minneapolis | MN-WI | 223 | 69/100 |
| Milwaukee | WI | 220 | 75/100 |
| Elgin, IL | IL | 152 | 80/100 |
| Los Angeles | CA | 117 | 62/100 |
| Rockford, IL | IL | 76 | 69/100 |
| Grand Forks, ND | ND-MN | 68 | 82/100 |
| Lake County | IN | 49 | 63/100 |
| Janesville | WI | 46 | 67/100 |
| Phoenix | AZ | 46 | 50/100 |
| Appleton, WI | WI | 42 | 59/100 |

## Where This Lender Ranks

Barrington Bank & Trust Company, National Association appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Madison, WI for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/madison-wi/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Green Bay, WI for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/green-bay-wi/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Wisconsin for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/banks/usda-loans)
- 🥈 **#2** in Lake County, IL for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lake-county-il/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Lake County, IL for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lake-county-il/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Minnesota for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/minnesota/best-mortgage-lenders/banks/usda-loans)
- 🥈 **#2** in Grand Forks, ND for Conventional Loans
  - [View Full Rankings](https://saferate.com/grand-forks-nd/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Grand Forks, ND for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/grand-forks-nd/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Grand Forks, ND for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/grand-forks-nd/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Waterbury for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/waterbury/best-mortgage-lenders/banks/va-loans)
- 🥉 **#3** in Montana for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/montana/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Wisconsin for USDA Loans
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/usda-loans)
- 🏆 **#4** in Madison, WI for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/madison-wi/best-mortgage-lenders/banks/va-loans)
- 🏆 **#4** in Madison, WI for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/madison-wi/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#4** in Los Angeles for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/los-angeles/best-mortgage-lenders/banks/va-loans)
- 🏆 **#4** in Grand Forks, ND for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/grand-forks-nd/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in Kenosha, WI for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/kenosha-wi/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#5** in Iowa for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#5** in Rockford, IL for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/rockford-il/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#5** in North Dakota for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Barrington Bank & Trust Company, National Association offer?

Barrington Bank & Trust Company, National Association offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Barrington Bank & Trust Company, National Association offer mortgages?

Barrington Bank & Trust Company, National Association is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are Barrington Bank & Trust Company, National Association's mortgage rates?

Barrington Bank & Trust Company, National Association has a pricing score of 36/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.354% above market average.

### What type of lender is Barrington Bank & Trust Company, National Association?

Barrington Bank & Trust Company, National Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Barrington, IL.

### What is Barrington Bank & Trust Company, National Association's loan approval success rate?

Barrington Bank & Trust Company, National Association has a pull-through score of 69/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/barrington-bank-trust-company-national-association

### How to Cite

> "Barrington Bank & Trust Company, National Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/barrington-bank-trust-company-national-association

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