Bank Of The Flint Hills Mortgage Rates, Fees & Info

Wamego, KS

LEI: 5493002HI2PDK2BQF091

Tax ID: 48-0464795

5 stars - Updated: 4/5/25 - out of 5 stars, based on 13 reviews

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Bank Of The Flint Hills is a smaller bank specializing in Home Purchase and Refi loans. Bank Of The Flint Hills has a high proportion of conventional loans. Their top markets by origination volume include: Manhattan, Topeka, Hays, College Station, and Kansas City among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Bank Of The Flint Hills has an above average approval rate when compared to the average across all lenders. Bank Of The Flint Hills is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.99% 4/5/25
    30 Year Conventional Refi 6.95% 4/5/25
    30 Year Cash-out Refi 6.86% 4/5/25
    15 Year Conventional Purchase 6.22% 4/5/25
    15 Year Conventional Refi 6.03% 4/5/25
    15 Year Cash-out Refi 6.03% 4/5/25
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Bank Of The Flint Hills Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Bank Of The Flint Hills. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    168

    Origination Dollar Volume (All Markets)

    $40,510,000

    Awards

    Bank of the Flint Hills 30 Year Conventional Loans gold
    Show all (1) awards

    Relative Rate

    Bank Of The Flint Hills's average 30 year fixed mortgage rate was 6.87%.

    The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

    This yields a difference of 0.32%.

    Relative Fees (Closing Costs)

    Bank Of The Flint Hills's average total fees/closing costs for a 30 year fixed rate mortgage were $2,721.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $8,356.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    MANHATTAN, KS (FHA|USDA|VA) 120 $29,220,000 $243,500 $2,799 7.22%
    TOPEKA, KS (FHA|USDA|VA) 29 $5,315,000 $183,276 $2,535 6.94%
    Outside of Metro Areas 9 $1,645,000 $182,778 $2,433 7.29%
    Hays, KS (FHA|USDA|VA) 3 $1,455,000 $485,000 $0 7.92%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $1,365,000 $1,365,000 $14,339 6.88%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 5 $1,285,000 $257,000 $2,600 7.53%
    LAWRENCE, KS (FHA|USDA|VA) 1 $225,000 $225,000 $1,609 6.75%
    Bank Of The Flint Hills's top markets include Manhattan, Topeka, Hays, College Station, and Kansas City among others.

    Their top states include:
  • Kansas (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Bank of the Flint Hills based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    The Farmers State Bank of Westmoreland
    Similarity Rank: 44
    KANSAS STATE UNIVERSITY Federal Credit Union
    Similarity Rank: 48
    Exchange Bank
    Similarity Rank: 145
    CoreFirst Bank & Trust
    Similarity Rank: 169
    Azura Credit Union
    Similarity Rank: 180
    Envista Credit Union
    Similarity Rank: 260
    Bank of the Flint Hills
    Similarity Rank: 273
    Central National Bank
    Similarity Rank: 300
    Mid-America Bank
    Similarity Rank: 342
    Capitol Federal Savings Bank
    Similarity Rank: 396

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 168 $40,510,000 $241,131 $2,796 7.19%

    For 2024, Bank Of The Flint Hills's most frequently originated type of loan was Conventional, with 168 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 88 $19,090,000 $216,932 $2,874 7.08%
    Refi 62 $19,230,000 $310,161 $2,849 7.34%
    Cash Out Refi 18 $2,190,000 $121,667 $2,264 7.20%

    For 2024, Bank Of The Flint Hills's most frequently cited loan purpose was Home Purchase, with 88 originations. The 2nd most popular reason was Refi, with 62 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 83 $22,495,000 $271,024 $2,721 6.87%
    20 Year 51 $12,615,000 $247,353 $2,907 7.62%
    Other 21 $3,815,000 $181,667 $3,270 7.43%
    15 Year 9 $885,000 $98,333 $2,150 6.92%
    10 Year 2 $60,000 $30,000 $0 7.70%
    3 Year 1 $285,000 $285,000 $0 8.50%
    5 Year 1 $355,000 $355,000 $4,196 7.25%

    For 2024, Bank Of The Flint Hills's most frequently cited loan duration was 30 Year, with 83 originations. The 2nd most popular length was 20 Year, with 51 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 90 $21,110,000 $234,556
    $1k-2k 19 $2,795,000 $147,105
    $2k-3k 7 $2,585,000 $369,286
    $3k-4k 3 $1,535,000 $511,667
    $5k+ 1 $1,365,000 $1,365,000

    Bank Of The Flint Hills's average total fees were $2,721, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 90 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 86 $20,870,000 $242,674
    7-8% 63 $17,425,000 $276,587
    Over 8% 17 $2,005,000 $117,941
    5-6% 2 $210,000 $105,000

    During 2024, Bank Of The Flint Hills's average interest rate for loans was 6.87%, while their most frequently originated rate bucket for loans was 6-7%, with 86 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 65 $9,795,000 $150,692 $2,443 7.23%
    $200k-400k 58 $15,780,000 $272,069 $2,787 7.11%
    $100,000 or less 24 $1,440,000 $60,000 $2,223 7.31%
    $600k-1MM 11 $7,785,000 $707,727 $3,187 7.18%
    $400k-600k 9 $4,345,000 $482,778 $4,358 7.07%
    $1MM+ 1 $1,365,000 $1,365,000 $14,339 6.88%

    2024 saw Bank Of The Flint Hills place emphasis on $100k-200k loans with 65 originations, totaling $9,795,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 28 $6,420,000 $229,286 $2,609 6.84%
    $75k-100k 26 $4,520,000 $173,846 $2,491 6.97%
    $50k-75k 22 $3,560,000 $161,818 $2,581 6.90%
    $150k-250k 20 $7,470,000 $373,500 $3,103 6.90%
    $250k+ 13 $6,475,000 $498,077 $4,319 7.17%
    $50k or less 12 $1,120,000 $93,333 $2,448 7.23%

    Bank Of The Flint Hills lent most frequently to those with incomes in the $100k-150k range, with 28 originations. The second most popular income band? $75k-100k, with 26 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 33 $6,365,000 $192,879 $2,548 6.88%
    30-36% 22 $4,190,000 $190,455 $2,476 7.17%
    <20% 18 $4,950,000 $275,000 $3,162 6.84%
    36% 9 $2,295,000 $255,000 $2,792 6.99%
    37% 6 $1,890,000 $315,000 $3,037 7.29%
    39% 6 $1,470,000 $245,000 $3,037 6.73%
    42% 5 $2,055,000 $411,000 $2,892 7.38%
    41% 4 $940,000 $235,000 $2,486 6.75%
    38% 3 $855,000 $285,000 $2,745 7.21%
    40% 3 $405,000 $135,000 $2,615 6.63%
    44% 3 $1,525,000 $508,333 $2,914 7.04%
    50-60% 2 $300,000 $150,000 $2,888 6.88%
    >60% 2 $920,000 $460,000 $5,109 6.81%
    45% 2 $750,000 $375,000 $4,007 6.50%
    46% 2 $350,000 $175,000 $2,492 6.63%
    43% 1 $385,000 $385,000 $2,830 6.50%

    Bank Of The Flint Hills lent most frequently to those with DTI ratios of 20-30%, with 33 originations. The next most common DTI ratio? 30-36%, with 22 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 92 $20,040,000 $217,826 $2,788 7.05%
    Not provided 39 $10,505,000 $269,359 $2,797 7.06%
    Not applicable 35 $9,045,000 $258,429 $0 7.72%
    American Indian 2 $920,000 $460,000 $3,097 6.81%

    Approval Rates

    Total approvals of all applications
    91.80%

    Bank Of The Flint Hills has an average approval rate.

    Pick Rate

    Approvals leading to origination

    Points and Fees

    Points Originations Total Value Average Loan
    NA 168 $40,510,000 $241,131

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    168 $40,510,000 $241,131

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 10 $1,530,000 $153,000 $2,416 6.94%
    40-60% 17 $3,515,000 $206,765 $2,761 6.96%
    60-80% 69 $17,435,000 $252,681 $2,770 7.26%
    80-100% 65 $17,225,000 $265,000 $2,957 7.23%
    Over 100% 1 $325,000 $325,000 $0 7.00%
    Under 20% 6 $480,000 $80,000 $2,115 7.10%