We analyzed every closed loan from Barrington Bank & Trust Company — 6.9k loans across 11k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Sound
3/5
National · 49 mkts
Awards
Conventional
Superstar
Jumbo
Superstar
USDA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Barrington Bank & Trust Company performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+35.4 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
FHA
Exceptional
Top 20% of lenders
VA
Exceptional
Top 20% of lenders
Jumbo
Strong
Top 40% of lenders
USDA
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Exceptional
Top 20% of lenders
By Location· Geographic coverage
Geographic Reach
National · 50 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 4,692 | 68.0% | +0.337%Above | $1,966Fees | ||||
FHA Loans | 740 | 10.7% | +0.864%Above | $3,069Fees | ||||
VA Loans | 1,308 | 18.9% | +0.141%Above | $3,577Fees | ||||
Jumbo Loans | 107 | 1.5% | +0.178%Above | $1,059Fees | ||||
USDA Loans | 57 | 0.8% | +0.133%Above | $2,370Fees |
Conventional
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume4,692
Mix68.0%
Spread
+0.337%Above
Fees
$1,966Fees
FHA Loans
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume740
Mix10.7%
Spread
+0.864%Above
Fees
$3,069Fees
VA Loans
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume1,308
Mix18.9%
Spread
+0.141%Above
Fees
$3,577Fees
Jumbo Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume107
Mix1.5%
Spread
+0.178%Above
Fees
$1,059Fees
USDA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume57
Mix0.8%
Spread
+0.133%Above
Fees
$2,370Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 5,535 | 80.2% | +0.365%Above | $2,217Fees | ||||
Refinance | 1,369 | 19.8% | +0.307%Above | $2,766Fees |
Purchase
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume5,535
Mix80.2%
Spread
+0.365%Above
Fees
$2,217Fees
Refinance
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume1,369
Mix19.8%
Spread
+0.307%Above
Fees
$2,766Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
6,904
Applications
10,508
Volume
$2 billion
Pricing & Closing
Avg Rate Spread
+0.354%
vs. market APOR
Avg Net Fees
$2,323
Origination − Credits
Pullthrough Rate
65.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$338,116
Avg Borrower Income
$147,248
Avg Property Value
$448,434
Geographic Coverage
Geographic Performance
Metro Areas
49
markets with activity
States Served
51
Includes Washington, DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
51Nationwide · all 50 states and DCNortheast9
CTMEMANHNJNYPARIVT
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West13
AKAZCACOHIIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Volume 329Mix 4.77% of portfolio
99/100
Exceptional
Volume 1,731Mix 25.07% of portfolio
92/100
Exceptional
Volume 438Mix 6.34% of portfolio
83/100
Exceptional
Volume 68Mix 0.98% of portfolio
82/100
Exceptional
Volume 152Mix 2.20% of portfolio
80/100
Strong
Volume 237Mix 3.43% of portfolio
77/100
Strong
Volume 220Mix 3.19% of portfolio
75/100
Strong
Volume 76Mix 1.10% of portfolio
69/100
Strong
Volume 223Mix 3.23% of portfolio
69/100
Strong
Volume 46Mix 0.67% of portfolio
67/100
StrongShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
IllinoisState
Volume 2,395Mix 34.69% of portfolio
93/100
Exceptional2
WisconsinState
Volume 1,160Mix 16.80% of portfolio
88/100
Exceptional3
IowaState
Volume 315Mix 4.56% of portfolio
71/100
Strong4
MinnesotaState
Volume 281Mix 4.07% of portfolio
70/100
Strong5
CaliforniaState
Volume 404Mix 5.85% of portfolio
66/100
Strong6
North DakotaState
Volume 72Mix 1.04% of portfolio
62/100
Strong7
MontanaState
Volume 73Mix 1.06% of portfolio
62/100
Strong8
FloridaState
Volume 259Mix 3.75% of portfolio
61/100
Strong9
MichiganState
Volume 142Mix 2.06% of portfolio
60/100
Strong10
IndianaState
Volume 117Mix 1.69% of portfolio
59/100
SoundShowing 10 of 44 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.