Purchase Originations
4,713
Ranked #103 nationally
Median Total Costs
$5,918
−11.4% vs national ($6,680)
↑ $65 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,537
Median Lender Credits
$316
Cost Rank (500+ vol.)
#271
among lenders with 500+ originations
Denial Rate
6.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 3,541 | 6.625% | $5,818 | $1,515 |
| va | 664 | 6.750% | $4,863 | $1,577 |
| fha | 466 | 6.750% | $10,034 | $2,273 |
| usda | 42 | 6.688% | $6,140 | $1,874 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Illinois | 1,864 | 6.625% | $6,258 | #12 |
| Wisconsin | 819 | 6.625% | $3,388 | #16 |
| Iowa | 259 | 6.625% | $4,445 | #29 |
| California | 208 | 6.625% | $8,074 | #147 |
| Minnesota | 158 | 6.625% | $5,867 | #72 |
| Michigan | 116 | 6.750% | $3,817 | #103 |
| Florida | 115 | 6.750% | $5,656 | #216 |
| Texas | 96 | 6.625% | $5,613 | #281 |
| New York | 94 | 6.750% | $5,426 | #124 |
| North Carolina | 85 | 6.875% | $5,287 | #165 |
| Indiana | 78 | 6.750% | $3,580 | #144 |
| Virginia | 67 | 6.859% | $5,835 | #158 |
| Georgia | 57 | 6.750% | $4,721 | #196 |
| North Dakota | 54 | 6.250% | $5,503 | #29 |
| Montana | 50 | 6.438% | $8,128 | #36 |
| Pennsylvania | 47 | 6.750% | $6,239 | — |
| Ohio | 43 | 6.750% | $4,872 | — |
| Tennessee | 38 | 6.875% | $5,380 | — |
| Arizona | 33 | 6.625% | $5,630 | — |
| Alabama | 32 | 6.750% | $5,185 | — |
| South Carolina | 28 | 6.688% | $5,423 | — |
| Missouri | 25 | 6.750% | $4,820 | — |
| Louisiana | 24 | 6.750% | $5,552 | — |
| Oklahoma | 24 | 6.933% | $3,731 | — |
| Utah | 24 | 6.625% | $5,432 | — |
| Washington | 23 | 6.750% | $5,489 | — |
| Kansas | 20 | 6.750% | $4,456 | — |
| Nevada | 20 | 6.750% | $6,430 | — |
| Colorado | 19 | 6.750% | $4,619 | — |
| Mississippi | 17 | 6.750% | $4,147 | — |
| New Mexico | 16 | 6.750% | $5,626 | — |
| Maryland | 15 | 6.990% | $6,331 | — |
| Arkansas | 14 | 6.870% | $4,479 | — |
| New Jersey | 14 | 6.688% | $6,704 | — |
| Kentucky | 13 | 6.490% | $4,579 | — |
| Nebraska | 13 | 6.750% | $6,015 | — |
| New Hampshire | 13 | 6.625% | $6,817 | — |
| Oregon | 11 | 6.750% | $5,582 | — |
| West Virginia | 10 | 7.058% | $3,988 | — |
| Connecticut | 9 | 6.250% | $9,562 | — |
| Idaho | 8 | 6.812% | $6,349 | — |
| Massachusetts | 8 | 6.562% | $11,113 | — |
| South Dakota | 7 | 6.500% | $5,176 | — |
| Alaska | 6 | 6.500% | $10,195 | — |
| Maine | 5 | 6.500% | $2,904 | — |
| Delaware | 4 | 6.120% | $4,553 | — |
| Wyoming | 4 | 6.688% | $3,274 | — |
| Hawaii | 3 | 6.250% | $2,405 | — |
| District of Columbia | 1 | 6.125% | $11,856 | — |
| Rhode Island | 1 | 5.875% | $4,279 | — |
| Vermont | 1 | 7.250% | $1,823 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,540 | 6.500% | — | 31 | −$3,378 | |
| 2 | $2,804 | 6.870% | — | 28 | −$3,114 | |
| 3 | $2,899 | 6.433% | — | 44 | −$3,019 | |
| 4 | $3,074 | 6.625% | — | 29 | −$2,844 | |
| 5 | $3,272 | 6.500% | — | 66 | −$2,646 | |
| 6 | $3,734 | 6.812% | — | 60 | −$2,184 | |
| 7 | $3,734 | 6.625% | — | 36 | −$2,184 | |
| 8 | $4,081 | 6.490% | — | 320 | −$1,837 | |
| 9 | $4,220 | 6.625% | — | 133 | −$1,698 | |
| 10 | $5,107 | 6.875% | — | 39 | −$811 | |
| 11 | $5,392 | 6.250% | — | 49 | −$526 | |
| 12 | $5,906 | 6.625% | — | 101 | −$12 | |
| 13 | $6,108 | 6.875% | — | 97 | +$190 | |
| 14 | $6,119 | 6.625% | — | 159 | +$201 | |
| 15 | $6,123 | 6.750% | — | 236 | +$205 | |
| 16 | $6,253 | 6.750% | — | 106 | +$335 | |
| 17 | $6,499 | 6.625% | — | 980 | +$581 | |
| 18 | $8,560 | 6.625% | — | 32 | +$2,642 | |
| 19 | $8,627 | 6.125% | — | 35 | +$2,709 | |
| 20 | $10,618 | 6.500% | — | 61 | +$4,700 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Barrington Bank & Trust Company, National Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $295,000 | $335,000 | −$40,000 (−11.9%) |
| Median total closing costs | $5,918 | $7,127 | −$1,209 (−17.0%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.