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 Cash Out Refi, 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, Kansas City, Houston, and Wichita among others. We have data for 6 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. They have an above average pick rate when compared to similar 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

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    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

    191

    Origination Dollar Volume (All Markets)

    $32,585,000

    Employee count

    76

    Awards

    Bank of the Flint Hills 30 Year Conventional Loans silver Bank of the Flint Hills 30 Year Conventional Loans silver
    Show all (2) 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) 132 $22,850,000 $173,106 $2,024 4.38%
    TOPEKA, KS (FHA|USDA|VA) 37 $5,245,000 $141,757 $2,249 4.66%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 6 $1,800,000 $300,000 $2,456 4.83%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 2 $1,440,000 $720,000 $0 5.96%
    Outside of Metro Areas 12 $910,000 $75,833 $2,030 4.77%
    WICHITA, KS (FHA|USDA|VA) 2 $340,000 $170,000 $1,499 4.63%
    Bank Of The Flint Hills's top markets include Manhattan, Topeka, Kansas City, Houston, and Wichita among others.

    Their top states include:
  • Kansas (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Nebraska (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: 25
    KANSAS STATE UNIVERSITY Federal Credit Union
    Similarity Rank: 30
    Bank of the Flint Hills
    Similarity Rank: 72
    CoreFirst Bank & Trust
    Similarity Rank: 77
    LYNDON STATE BANK
    Similarity Rank: 115
    Azura Credit Union
    Similarity Rank: 210
    MERITRUST Federal Credit Union
    Similarity Rank: 238
    Central National Bank
    Similarity Rank: 528
    Mortgage Investment Services Corporation
    Similarity Rank: 645
    Capitol Federal Savings Bank
    Similarity Rank: 1064

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 190 $32,370,000 $170,368 $2,084 4.50%
    VA 1 $215,000 $215,000 $706 3.00%

    For 2019, Bank Of The Flint Hills's most frequently originated type of loan was Conventional, with 190 originations. Their 2nd most popular type was VA, with 1 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 70 $8,320,000 $118,857 $1,956 4.57%
    Home Purchase 65 $11,475,000 $176,538 $2,193 4.58%
    Refi 54 $12,650,000 $234,259 $2,137 4.28%
    Home Improvement 2 $140,000 $70,000 $0 5.38%

    For 2019, Bank Of The Flint Hills's most frequently cited loan purpose was Cash Out Refi, with 70 originations. The 2nd most popular reason was Home Purchase, with 65 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 57 $13,325,000 $233,772 $2,199 3.92%
    20 Year 55 $7,695,000 $139,909 $2,222 4.94%
    15 Year 37 $4,215,000 $113,919 $1,959 4.10%
    Other 20 $5,280,000 $264,000 $1,817 5.06%
    10 Year 13 $645,000 $49,615 $1,224 4.98%
    1 Year 6 $1,170,000 $195,000 $2,403 5.29%
    30+ year 1 $115,000 $115,000 $2,209 4.50%
    3 Year 1 $115,000 $115,000 $2,303 4.50%
    5 Year 1 $25,000 $25,000 $0 5.29%

    For 2019, Bank Of The Flint Hills's most frequently cited loan duration was 30 Year, with 57 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 129 $21,415,000 $166,008
    $1k-2k 9 $1,605,000 $178,333
    $2k-3k 1 $525,000 $525,000

    Bank Of The Flint Hills's average total fees were $2,199, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 129 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 87 $12,805,000 $147,184
    3-4% 51 $11,445,000 $224,412
    5-6% 49 $7,485,000 $152,755
    2.5-3% 4 $850,000 $212,500

    During 2019, Bank Of The Flint Hills's average interest rate for loans was 3.92%, while their most frequently originated rate bucket for loans was 4-5%, with 87 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 71 $3,885,000 $54,718 $1,595 4.82%
    $100k-200k 57 $8,155,000 $143,070 $1,933 4.49%
    $200k-400k 51 $13,795,000 $270,490 $2,579 4.05%
    $400k-600k 9 $4,265,000 $473,889 $3,003 4.13%
    $600k-1MM 2 $1,280,000 $640,000 $0 5.33%
    $1MM+ 1 $1,205,000 $1,205,000 $0 5.92%

    2019 saw Bank Of The Flint Hills place emphasis on $100,000 or less loans with 71 originations, totaling $3,885,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 34 $6,600,000 $194,118 $2,025 4.14%
    $50k or less 31 $3,515,000 $113,387 $1,730 4.38%
    $50k-75k 25 $2,495,000 $99,800 $1,770 4.45%
    $75k-100k 25 $4,475,000 $179,000 $2,487 4.17%
    $150k-250k 24 $5,170,000 $215,417 $2,542 4.29%
    $250k+ 5 $1,585,000 $317,000 $2,697 4.28%

    Bank Of The Flint Hills lent most frequently to those with incomes in the $100k-150k range, with 34 originations. The second most popular income band? $50k or less, with 31 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 51 $7,535,000 $147,745 $1,949 4.04%
    30-36% 24 $5,230,000 $217,917 $2,253 4.17%
    <20% 22 $2,490,000 $113,182 $1,817 4.39%
    40% 9 $1,685,000 $187,222 $2,115 4.49%
    37% 8 $1,000,000 $125,000 $1,899 4.67%
    36% 6 $930,000 $155,000 $2,215 4.35%
    44% 6 $980,000 $163,333 $1,788 3.94%
    42% 4 $970,000 $242,500 $3,074 4.13%
    41% 4 $730,000 $182,500 $2,474 4.76%
    49% 3 $625,000 $208,333 $2,149 3.75%
    39% 3 $575,000 $191,667 $2,317 4.46%
    38% 3 $405,000 $135,000 $1,771 3.79%
    47% 2 $430,000 $215,000 $2,114 4.13%
    46% 2 $310,000 $155,000 $2,232 4.06%
    48% 1 $305,000 $305,000 $2,678 3.63%
    43% 1 $325,000 $325,000 $2,148 3.88%
    50-60% 1 $85,000 $85,000 $0 5.75%
    >60% 1 $525,000 $525,000 $4,049 4.50%

    Bank Of The Flint Hills lent most frequently to those with DTI ratios of 20-30%, with 51 originations. The next most common DTI ratio? 30-36%, with 24 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 160 $25,940,000 $162,125 $2,091 4.31%
    Not applicable 29 $6,325,000 $218,103 $0 5.55%
    Asian 1 $255,000 $255,000 $0 3.88%
    American Indian 1 $65,000 $65,000 $1,913 4.50%

    Approval Rates

    Total approvals of all applications
    90.19%

    Bank Of The Flint Hills has an average approval rate.

    Pick Rate

    Approvals leading to origination
    98.95%

    Bank Of The Flint Hills has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 191 $32,585,000 $170,602

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 2 $380,000 $190,000
    Single Family (1-4 Units):Site-Built 189 $32,205,000 $170,397

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 21 $2,305,000 $109,762 $1,849 4.56%
    40-60% 25 $5,555,000 $222,200 $2,556 4.25%
    60-80% 78 $14,270,000 $182,949 $2,199 4.70%
    80-100% 46 $9,580,000 $208,261 $2,153 4.26%
    Under 20% 21 $875,000 $41,667 $1,422 4.49%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    BANK OF THE WEST Conventional home mortgage Struggling to pay mortgage 1 7.1%
    BANK OF THE WEST Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 7.1%
    BANK OF THE WEST Other type of mortgage Trouble during payment process 1 7.1%
    BANK OF THE WEST Other type of mortgage Closing on a mortgage 1 7.1%
    BANK OF THE WEST Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 7.1%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Trouble during payment process 2 14.3%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 1 7.1%
    BANK OF THE WEST Conventional home mortgage Trouble during payment process 6 42.9%

    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 $9,208
    Bank of the Flint Hills 117 Highway 24 Rossville, KS 66533 Full Service B&M $10,919
    Bank of the Flint Hills 2005 Clock Tower Place Manhattan, KS 66503 Full Service B&M $13,740
    Bank of the Flint Hills 408 Missouri Alma, KS 66401 Full Service B&M $9,095
    Bank of the Flint Hills 7860 East Highway 24 Manhattan, KS 66502 Full Service B&M $21,193
    Bank of the Flint Hills 806 Fifth Street Wamego, KS 66547 Full Service B&M $106,202
    Bank of the Flint Hills 905 East Bertrand Avenue Saint Marys, KS 66536 Full Service B&M $64,569

    For 2019, Bank Of The Flint Hills had 8 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $14,347
    Net interest income $10,773
    Total noninterest income $1,892
    Gross Fiduciary activities income $105
    Service charges on deposit accounts $478
    Trading account gains and fees $0
    Additional Noninterest Income $1,309
    Pre-tax net operating income $2,874
    Securities gains (or losses, -) $0
    Income before extraordinary items $2,802
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $2,802
    Minority interest net income $0
    Net income $2,802
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $2,802

    Bank Of The Flint Hills's gross interest income from loans was $14,347,000.
    Bank Of The Flint Hills's net interest income from loans was $10,773,000.
    Bank Of The Flint Hills's fee based income from loans was $478,000.
    Bank Of The Flint Hills's net income from loans was $2,802,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $3,574
    Provision for credit losses $690
    Total noninterest expense $9,101
    Salaries and employee benefits $5,274
    Premises and equipment expense $858
    Additional noninterest expense $2,969
    Applicable income taxes $72
    Net charge-offs $616
    Cash dividends $1,573

    Bank Of The Flint Hills's interest expense for loans was $3,574,000.
    Bank Of The Flint Hills's payroll and benefits expense were $5,274,000.
    Bank Of The Flint Hills's property, plant and equipment expenses $858,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    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 $244,897
    Deposits held in domestic offices $244,897
    Deposits by Individuals, partnerships, and corporations $220,529
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $24,368
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $89,329
    Demand deposits $44,945
    Nontransaction accounts $155,568
    Money market deposit accounts (MMDAs) $34,083
    Other savings deposits (excluding MMDAs) $30,204
    Total time deposits $91,281
    Total time and savings deposits $199,952
    Noninterest-bearing deposits $44,945
    Interest-bearing deposits $199,952
    Retail deposits $235,063
    IRAs and Keogh plan accounts $11,778
    Brokered deposits $2,100
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $303,957
    Cash & Balances due from depository institutions $12,447
    Interest-bearing balances $2,243
    Total securities $35,307
    Federal funds sold & reverse repurchase $6,053
    Net loans and leases $231,453
    Loan and leases loss allowance $2,364
    Trading account assets $0
    Bank premises and fixed assets $8,020
    Other real estate owned $1,004
    Goodwill and other intangibles $155
    All other assets $9,518

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $303,957
    Total Liabilities $272,545
    Total deposits $244,897
    Interest-bearing deposits $199,952
    Deposits held in domestic offices $244,897
    % insured (estimated) $87
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $26,457
    Subordinated debt $0
    All other liabilities $1,191

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $231,453
    Loan and leases loss allowance $2,364
    Total loans and leases (domestic) $233,817
    All real estate loans $153,970
    Real estate loans in domestic offices $153,970
    Construction and development loans $21,620
    Residential 1-4 family construction $13,332
    Other construction, all land development and other land $8,288
    Loans secured by nonfarm nonresidential properties $41,543
    Nonfarm nonresidential secured by owner-occupied properties $28,524
    Commercial real estate & other non-farm, non-residential $13,019
    Multifamily residential real estate $13,224
    1-4 family residential loans $52,805
    Farmland loans $24,778
    Loans held in foreign offices $0
    Farm loans $26,368
    Commercial and industrial loans $45,461
    To non-U.S. addressees $0
    Loans to individuals $5,887
    Credit card loans $0
    Related Plans $49
    Consumer Auto Loans $3,520
    Other loans to individuals $2,318
    All other loans & leases $2,131
    Loans to foreign governments and official institutions $0
    Other loans $36
    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 $35
    Non 1-4 family restructured loans & leases $21
    Total loans and leases (foreign) $0

    Bank of the Flint Hills had $231,453,000 of loans outstanding in 2019. $153,970,000 of loans were in real estate loans. $21,620,000 of loans were in development loans. $13,224,000 of loans were in multifamily mortgage loans. $52,805,000 of loans were in 1-4 family mortgage loans. $26,368,000 of loans were in farm loans. $0 of loans were in credit card loans. $3,520,000 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 74 $14,485 $195,743
    Nonfarm, nonresidential loans - <$100k 26 $989 $38,038
    Nonfarm, nonresidential loans - $100-250k 24 $2,822 $117,583
    Nonfarm, nonresidential loans - $250k-1MM 24 $10,674 $444,750
    Commercial & Industrial, US addressed loans - <$1MM 337 $26,673 $79,148
    Commercial & Industrial, US addressed loans - <$100k 253 $5,903 $23,332
    Commercial & Industrial, US addressed loans - $100-250k 39 $4,181 $107,205
    Commercial & Industrial, US addressed loans - $250k-1MM 45 $16,589 $368,644
    Farmland loans - <$1MM 110 $11,233 $102,118
    Farmland loans - <$100k 49 $2,272 $46,367
    Farmland loans - $100-250k 45 $5,267 $117,044
    Farmland loans - $250k-1MM 16 $3,694 $230,875
    Agriculture operations loans - <$1MM 271 $16,828 $62,096
    Agriculture operations loans - <$100k 219 $5,172 $23,616
    Agriculture operations loans - $100-250k 38 $5,339 $140,500
    Agriculture operations loans - $250k-1MM 14 $6,317 $451,214