Barrington Bank & Trust Company, National Association

7,752 mortgages originated in 2025 across 23 states, and what they cost borrowers.

Loans originated

7,752

Median rate

6.625%

Median lender fees

$5,323

Median loan amount

$285,000

Median spread over APOR

0.273

Paid discount points

45.4%

Received lender credits

38.1%

Purchases / refinances

67.2% / 29.6%

Conventional / FHA / VA

71.2% / 7.1% / 21.1%

Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 99.7% of loans here — see methodology.

Where Barrington Bank & Trust Company, National Association lent

States with at least 50 loans in 2025, ranked by volume.