Bank Of The Flint Hills Mortgage Rates, Fees & Info

Wamego, KS

LEI: 5493002HI2PDK2BQF091

Tax ID: 48-0464795

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

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • 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)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Bank Of The Flint Hills is a smaller bank specializing in Home Purchase and Cash Out Refi loans. Bank Of The Flint Hills has a high proportion of conventional loans. Their top markets by origination volume include: Manhattan, Topeka, Kansas City, Dallas, and Wichita among others. We have data for 8 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.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.77% 4/28/24
    30 Year Conventional Refi 6.45% 4/28/24
    30 Year Cash-out Refi 6.60% 4/28/24
    15 Year Conventional Purchase 6.34% 4/28/24
    15 Year Conventional Refi 5.68% 4/28/24
    15 Year Cash-out Refi 5.68% 4/28/24
    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

    224

    Origination Dollar Volume (All Markets)

    $39,000,000

    Employee count

    75

    Awards

    Bank of the Flint Hills 30 Year Conventional Loans silver Bank of the Flint Hills 30 Year Conventional Loans silver Bank of the Flint Hills 30 Year Conventional Loans silver Bank of the Flint Hills 30 Year Conventional Loans bronze
    Show all (4) awards

    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) 161 $29,905,000 $185,745 $1,721 4.88%
    TOPEKA, KS (FHA|USDA|VA) 44 $5,390,000 $122,500 $1,361 5.00%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 4 $1,450,000 $362,500 $2,611 5.11%
    Outside of Metro Areas 8 $1,050,000 $131,250 $1,558 4.78%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $355,000 $355,000 $4,872 4.75%
    WICHITA, KS (FHA|USDA|VA) 3 $315,000 $105,000 $0 5.27%
    JOPLIN, MO (FHA|USDA|VA) 1 $275,000 $275,000 $3,156 4.95%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 2 $260,000 $130,000 $0 5.75%
    Bank Of The Flint Hills's top markets include Manhattan, Topeka, Kansas City, Dallas, and Wichita among others.

    Their top states include:
  • Kansas (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Maryland (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: 42
    ESB Financial
    Similarity Rank: 60
    KANSAS STATE UNIVERSITY Federal Credit Union
    Similarity Rank: 70
    CoreFirst Bank & Trust
    Similarity Rank: 88
    First State Bank and Trust
    Similarity Rank: 100
    MERITRUST Federal Credit Union
    Similarity Rank: 110
    Azura Credit Union
    Similarity Rank: 120
    Bank of the Flint Hills
    Similarity Rank: 176
    Mid-America Bank
    Similarity Rank: 208
    Central National Bank
    Similarity Rank: 696

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 219 $36,535,000 $166,826 $1,678 4.91%
    HELOC 5 $2,465,000 $493,000 n/a 5.46%

    For 2018, Bank Of The Flint Hills's most frequently originated type of loan was Conventional, with 219 originations. Their 2nd most popular type was HELOC, with 5 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 121 $22,625,000 $186,983 $1,592 4.93%
    Cash Out Refi 68 $8,540,000 $125,588 $1,578 4.97%
    Refi 33 $7,775,000 $235,606 $2,214 4.77%
    Home Improvement 2 $60,000 $30,000 $707 4.75%

    For 2018, Bank Of The Flint Hills's most frequently cited loan purpose was Home Purchase, with 121 originations. The 2nd most popular reason was Cash Out Refi, with 68 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 65 $14,685,000 $225,923 $1,868 4.53%
    20 Year 55 $7,745,000 $140,818 $1,885 4.94%
    Other 35 $9,575,000 $273,571 $1,575 5.04%
    15 Year 31 $2,135,000 $68,871 $1,133 5.26%
    1 Year 17 $3,675,000 $216,176 $2,181 5.26%
    10 Year 15 $835,000 $55,667 $1,324 5.04%
    5 Year 6 $350,000 $58,333 $1,072 5.16%

    For 2018, Bank Of The Flint Hills's most frequently cited loan duration was 30 Year, with 65 originations. The 2nd most popular length was 20 Year, with 55 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 143 $20,825,000 $145,629
    $1k-2k 13 $2,935,000 $225,769

    Bank Of The Flint Hills's average total fees were $1,868, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 143 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 138 $23,050,000 $167,029
    5-6% 81 $14,985,000 $185,000
    3-4% 4 $940,000 $235,000
    6-7% 1 $25,000 $25,000

    During 2018, Bank Of The Flint Hills's average interest rate for loans was 4.53%, while their most frequently originated rate bucket for loans was 4-5%, with 138 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 88 $4,650,000 $52,841 $1,159 5.16%
    $100k-200k 70 $10,320,000 $147,429 $1,415 4.80%
    $200k-400k 56 $15,100,000 $269,643 $2,230 4.69%
    $400k-600k 5 $2,325,000 $465,000 $5,497 4.50%
    $1MM+ 3 $5,165,000 $1,721,667 $0 5.36%
    $600k-1MM 2 $1,440,000 $720,000 $0 5.16%

    2018 saw Bank Of The Flint Hills place emphasis on $100,000 or less loans with 88 originations, totaling $4,650,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $75k-100k 46 $6,460,000 $140,435 $1,415 4.87%
    $100k-150k 42 $6,850,000 $163,095 $1,757 4.90%
    $50k-75k 37 $4,815,000 $130,135 $1,377 4.72%
    $50k or less 27 $2,145,000 $79,444 $1,196 5.04%
    $150k-250k 16 $3,650,000 $228,125 $2,650 4.68%
    $250k+ 8 $1,920,000 $240,000 $3,607 4.73%

    Bank Of The Flint Hills lent most frequently to those with incomes in the $75k-100k range, with 46 originations. The second most popular income band? $100k-150k, with 42 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 43 $5,985,000 $139,186 $1,637 4.74%
    30-36% 39 $5,725,000 $146,795 $1,516 4.78%
    <20% 25 $2,805,000 $112,200 $1,769 4.94%
    39% 12 $1,550,000 $129,167 $1,471 4.78%
    37% 11 $2,275,000 $206,818 $2,753 4.47%
    42% 8 $1,640,000 $205,000 $1,565 4.88%
    40% 8 $1,240,000 $155,000 $1,399 4.96%
    38% 7 $1,075,000 $153,571 $1,343 4.77%
    41% 6 $550,000 $91,667 $1,614 4.80%
    44% 4 $1,190,000 $297,500 $2,389 4.59%
    >60% 3 $285,000 $95,000 $498 5.73%
    43% 2 $280,000 $140,000 $60 4.50%
    45% 1 $275,000 $275,000 $2,513 4.50%
    46% 1 $135,000 $135,000 $0 4.50%
    49% 1 $315,000 $315,000 $3,573 4.75%
    50-60% 1 $135,000 $135,000 $808 4.75%

    Bank Of The Flint Hills lent most frequently to those with DTI ratios of 20-30%, with 43 originations. The next most common DTI ratio? 30-36%, with 39 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 184 $26,790,000 $145,598 $1,680 4.84%
    Not applicable 38 $11,650,000 $306,579 $0 5.31%
    Black 1 $425,000 $425,000 $2,122 4.38%
    Native Hawaiian or Islander 1 $135,000 $135,000 $837 5.50%

    Approval Rates

    Total approvals of all applications
    95.73%

    Bank Of The Flint Hills has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination

    Points and Fees

    Points Originations Total Value Average Loan
    NA 224 $39,000,000 $174,107

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 5 $4,475,000 $895,000
    Single Family (1-4 Units):Manufactured 2 $110,000 $55,000
    Single Family (1-4 Units):Site-Built 217 $34,415,000 $158,594

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 23 $1,585,000 $68,913 $1,286 4.92%
    40-60% 26 $3,440,000 $132,308 $1,785 4.88%
    60-80% 82 $17,470,000 $213,049 $1,882 4.89%
    80-100% 71 $15,565,000 $219,225 $1,833 4.83%
    Over 100% 2 $380,000 $190,000 $0 5.50%
    Under 20% 20 $560,000 $28,000 $895 5.31%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    BANK OF THE WEST FHA mortgage Closing on a mortgage 1 3.7%
    BANK OF THE WEST Conventional home mortgage Trouble during payment process 1 3.7%
    BANK OF THE WEST Conventional home mortgage Struggling to pay mortgage 1 3.7%
    BANK OF THE WEST Conventional home mortgage Closing on a mortgage 2 7.4%
    BANK OF THE WEST Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 4 14.8%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Incorrect information on your report 2 7.4%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Closing on a mortgage 1 3.7%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 4 14.8%
    BANK OF THE WEST VA mortgage Applying for a mortgage or refinancing an existing mortgage 1 3.7%
    BANK OF THE WEST Other type of mortgage Trouble during payment process 3 11.1%
    BANK OF THE WEST Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 3.7%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Trouble during payment process 5 18.5%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Struggling to pay mortgage 1 3.7%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Bank of the Flint Hills 1009 Lincoln, Suite B Wamego, KS 66547 Limited, Drive-thru $0
    Bank of the Flint Hills 101 East Mackenzie Street White City, KS 66872 Full Service B&M $8,397
    Bank of the Flint Hills 2005 Clock Tower Place Manhattan, KS 66503 Full Service B&M $6,785
    Bank of the Flint Hills 408 Missouri Alma, KS 66401 Full Service B&M $7,726
    Bank of the Flint Hills 7860 East Highway 24 Manhattan, KS 66502 Full Service B&M $23,014
    Bank of the Flint Hills 806 Fifth Street Wamego, KS 66547 Full Service B&M $113,557

    For 2018, Bank Of The Flint Hills had 6 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $10,902
    Net interest income $8,946
    Total noninterest income $1,371
    Gross Fiduciary activities income $55
    Service charges on deposit accounts $359
    Trading account gains and fees $0
    Additional Noninterest Income $957
    Pre-tax net operating income $2,402
    Securities gains (or losses, -) $0
    Income before extraordinary items $2,323
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $2,323
    Minority interest net income $0
    Net income $2,323
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $2,323

    Bank Of The Flint Hills's gross interest income from loans was $10,902,000.
    Bank Of The Flint Hills's net interest income from loans was $8,946,000.
    Bank Of The Flint Hills's fee based income from loans was $359,000.
    Bank Of The Flint Hills's net income from loans was $2,323,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,956
    Provision for credit losses $330
    Total noninterest expense $7,585
    Salaries and employee benefits $4,281
    Premises and equipment expense $699
    Additional noninterest expense $2,605
    Applicable income taxes $79
    Net charge-offs $140
    Cash dividends $6,907

    Bank Of The Flint Hills's interest expense for loans was $1,956,000.
    Bank Of The Flint Hills's payroll and benefits expense were $4,281,000.
    Bank Of The Flint Hills's property, plant and equipment expenses $699,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 2.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 2.0%
    HELOC loans 0.0%
    All other family 2.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $232,325
    Deposits held in domestic offices $232,325
    Deposits by Individuals, partnerships, and corporations $202,447
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $29,639
    Deposits by Commercial banks and other depository institutions in U.S. $239
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $92,937
    Demand deposits $43,987
    Nontransaction accounts $139,388
    Money market deposit accounts (MMDAs) $29,714
    Other savings deposits (excluding MMDAs) $31,808
    Total time deposits $77,866
    Total time and savings deposits $188,338
    Noninterest-bearing deposits $43,987
    Interest-bearing deposits $188,338
    Retail deposits $205,774
    IRAs and Keogh plan accounts $10,790
    Brokered deposits $20,285
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $310,983
    Cash & Balances due from depository institutions $18,941
    Interest-bearing balances $5,002
    Total securities $30,742
    Federal funds sold & reverse repurchase $1,179
    Net loans and leases $241,919
    Loan and leases loss allowance $2,289
    Trading account assets $0
    Bank premises and fixed assets $8,202
    Other real estate owned $0
    Goodwill and other intangibles $206
    All other assets $9,794

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $310,983
    Total Liabilities $281,242
    Total deposits $232,325
    Interest-bearing deposits $188,338
    Deposits held in domestic offices $232,325
    % insured (estimated) $85
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $47,788
    Subordinated debt $0
    All other liabilities $1,129

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $241,919
    Loan and leases loss allowance $2,289
    Total loans and leases (domestic) $244,208
    All real estate loans $164,933
    Real estate loans in domestic offices $164,933
    Construction and development loans $30,939
    Residential 1-4 family construction $14,336
    Other construction, all land development and other land $16,603
    Loans secured by nonfarm nonresidential properties $38,836
    Nonfarm nonresidential secured by owner-occupied properties $27,576
    Commercial real estate & other non-farm, non-residential $11,260
    Multifamily residential real estate $15,379
    1-4 family residential loans $54,508
    Farmland loans $25,271
    Loans held in foreign offices $0
    Farm loans $25,272
    Commercial and industrial loans $47,386
    To non-U.S. addressees $0
    Loans to individuals $5,262
    Credit card loans $0
    Related Plans $55
    Consumer Auto Loans $2,488
    Other loans to individuals $2,719
    All other loans & leases $1,355
    Loans to foreign governments and official institutions $0
    Other loans $28
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $135
    Non 1-4 family restructured loans & leases $116
    Total loans and leases (foreign) $0

    Bank of the Flint Hills had $241,919,000 of loans outstanding in 2018. $164,933,000 of loans were in real estate loans. $30,939,000 of loans were in development loans. $15,379,000 of loans were in multifamily mortgage loans. $54,508,000 of loans were in 1-4 family mortgage loans. $25,272,000 of loans were in farm loans. $0 of loans were in credit card loans. $2,488,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 91 $17,171 $188,692
    Nonfarm, nonresidential loans - <$100k 30 $1,239 $41,300
    Nonfarm, nonresidential loans - $100-250k 30 $3,595 $119,833
    Nonfarm, nonresidential loans - $250k-1MM 31 $12,337 $397,968
    Commercial & Industrial, US addressed loans - <$1MM 352 $28,662 $81,426
    Commercial & Industrial, US addressed loans - <$100k 264 $6,357 $24,080
    Commercial & Industrial, US addressed loans - $100-250k 40 $4,917 $122,925
    Commercial & Industrial, US addressed loans - $250k-1MM 48 $17,388 $362,250
    Farmland loans - <$1MM 111 $12,374 $111,477
    Farmland loans - <$100k 52 $2,270 $43,654
    Farmland loans - $100-250k 46 $6,163 $133,978
    Farmland loans - $250k-1MM 13 $3,941 $303,154
    Agriculture operations loans - <$1MM 291 $15,976 $54,900
    Agriculture operations loans - <$100k 245 $6,085 $24,837
    Agriculture operations loans - $100-250k 32 $3,805 $118,906
    Agriculture operations loans - $250k-1MM 14 $6,086 $434,714