The Mortgage Record
Lender report card · New Jersey

Barrington Bank & Trust Company, N.a.

Rosemont, IL · What the federal mortgage record shows about how Barrington Bank & Trust Company, N.a. treated New Jersey applicants, 2018–2025 — 903 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
85.3%
770 approved
Denial rate
14.7%
133 denied
Decisions
903
2018–2025
Avg. rate spread
+0.16 pp
vs. market benchmark
85.3% approved
14.7% denied

Share of 903 New Jersey applications Barrington Bank & Trust Company, N.a. approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional93.0% of 273 · NJ 87%FHA66.7% of 90 · NJ 79%VA84.4% of 539 · NJ 80%

“NJ” = the statewide average approval rate for that loan type, for comparison.

Approval rate over time

70%77%84%91%98%80%90%88%83%73%89%87%96%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Barrington Bank & Trust Company, N.a.’s rates ran +0.08 pp higher than the typical New Jersey lender (average rate spread +0.16 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Barrington Bank & Trust Company, N.a. approves

By income
Under $50k66.3% · 89$50–75k80.1% · 141$75–100k80.6% · 134$100–150k84.6% · 136$150–250k96.4% · 140$250k+90.0% · 60
By debt-to-income
Under 36%91.4% · 22136–43%89.6% · 13443–50%87.4% · 159Over 50%67.0% · 188
By down payment (LTV)
20%+ down89.2% · 24110–20% down85.9% · 715–10% down80.0% · 353–5% down58.8% · 34Under 3% down82.4% · 205

Why Barrington Bank & Trust Company, N.a. denied applications

Debt-to-income ratio34% of denialsCredit history29% of denialsOther20% of denialsCollateral (value/type)16% of denialsUnverifiable information10% of denialsInsufficient cash to close2% of denials

Where Barrington Bank & Trust Company, N.a. lends in NJ

CountyDecisionsApproval
Ocean County12085.0%
Burlington County8584.7%
Essex County7181.7%
Morris County6487.5%
Monmouth County6385.7%
Camden County6175.4%
Bergen County6091.7%
Middlesex County5490.7%

Fees & closing costs

Median total loan costs
$6,295
home purchase
As % of loan
2.30%
NJ median 1.93%
Priced originations
319
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Barrington Bank & Trust Company, N.a.’s home-purchase originations — 0.37 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $210. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

Compare Barrington Bank & Trust Company, N.a. to other lenders for your profile

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Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Barrington Bank & Trust Company, N.a. (LEI C398JSK21YCXWM603F55). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →