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™
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    • 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 Refi, Cash Out Refi, and Home Purchase loans. Bank Of The Flint Hills has a high proportion of conventional loans. Their top markets by origination volume include: Manhattan, Topeka, Kansas City, Lawrence, and Dallas among others. We have data for 9 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% 12/16/24
    30 Year Conventional Refi 6.45% 12/16/24
    30 Year Cash-out Refi 6.60% 12/16/24
    15 Year Conventional Purchase 6.34% 12/16/24
    15 Year Conventional Refi 5.68% 12/16/24
    15 Year Cash-out Refi 5.68% 12/16/24
    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

    356

    Origination Dollar Volume (All Markets)

    $71,390,000

    Employee count

    73

    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 gold Bank of the Flint Hills 30 Year Conventional Loans gold
    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) 260 $55,060,000 $211,769 $2,137 3.39%
    TOPEKA, KS (FHA|USDA|VA) 61 $9,605,000 $157,459 $2,064 3.29%
    Outside of Metro Areas 21 $3,295,000 $156,905 $2,222 3.16%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 7 $2,075,000 $296,429 $2,172 2.96%
    LAWRENCE, KS (FHA|USDA|VA) 3 $665,000 $221,667 $2,177 2.71%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $345,000 $345,000 $3,359 2.75%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $235,000 $235,000 $2,948 2.50%
    Branson, MO (FHA|USDA|VA) 1 $75,000 $75,000 $0 3.50%
    Hutchinson, KS (FHA|USDA|VA) 1 $35,000 $35,000 $2,347 3.50%
    Bank Of The Flint Hills's top markets include Manhattan, Topeka, Kansas City, Lawrence, and Dallas among others.

    Their top states include:
  • Kansas (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Oklahoma (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: 56
    KANSAS STATE UNIVERSITY Federal Credit Union
    Similarity Rank: 70
    Azura Credit Union
    Similarity Rank: 70
    ESB Financial
    Similarity Rank: 144
    CoreFirst Bank & Trust
    Similarity Rank: 220
    Bank of the Flint Hills
    Similarity Rank: 234
    Truity Federal Credit Union
    Similarity Rank: 285
    Mid-America Bank
    Similarity Rank: 360
    MERITRUST Federal Credit Union
    Similarity Rank: 572
    West Gate Bank
    Similarity Rank: 576

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 356 $71,390,000 $200,534 $2,137 3.34%

    For 2020, Bank Of The Flint Hills's most frequently originated type of loan was Conventional, with 356 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 152 $32,670,000 $214,934 $2,079 3.20%
    Cash Out Refi 102 $21,410,000 $209,902 $2,036 3.43%
    Home Purchase 98 $17,060,000 $174,082 $2,356 3.39%
    Home Improvement 4 $250,000 $62,500 $0 5.30%

    For 2020, Bank Of The Flint Hills's most frequently cited loan purpose was Refi, with 152 originations. The 2nd most popular reason was Cash Out Refi, with 102 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 144 $34,450,000 $239,236 $2,313 3.00%
    20 Year 92 $19,000,000 $206,522 $1,876 3.70%
    15 Year 84 $13,440,000 $160,000 $2,030 3.01%
    Other 18 $2,450,000 $136,111 $2,554 4.55%
    1 Year 8 $1,180,000 $147,500 $3,329 4.96%
    10 Year 8 $780,000 $97,500 $1,270 4.32%
    5 Year 2 $90,000 $45,000 $0 4.63%

    For 2020, Bank Of The Flint Hills's most frequently cited loan duration was 30 Year, with 144 originations. The 2nd most popular length was 20 Year, with 92 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 305 $62,335,000 $204,377
    $1k-2k 2 $420,000 $210,000
    $2k-3k 1 $235,000 $235,000

    Bank Of The Flint Hills's average total fees were $2,313, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 305 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 155 $35,465,000 $228,806
    3-4% 75 $16,745,000 $223,267
    4-5% 66 $9,380,000 $142,121
    <2.5% 49 $8,325,000 $169,898
    5-6% 8 $780,000 $97,500
    Over 8% 2 $610,000 $305,000

    During 2020, Bank Of The Flint Hills's average interest rate for loans was 3.00%, while their most frequently originated rate bucket for loans was 2.5-3%, with 155 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 138 $20,600,000 $149,275 $2,004 3.24%
    $200k-400k 125 $33,455,000 $267,640 $2,341 3.03%
    $100,000 or less 67 $4,115,000 $61,418 $1,753 3.98%
    $400k-600k 24 $11,210,000 $467,083 $2,594 3.76%
    $1MM+ 1 $1,405,000 $1,405,000 $0 4.13%
    $600k-1MM 1 $605,000 $605,000 $0 3.50%

    2020 saw Bank Of The Flint Hills place emphasis on $100k-200k loans with 138 originations, totaling $20,600,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 88 $18,660,000 $212,045 $2,181 3.27%
    $50k-75k 64 $9,190,000 $143,594 $2,040 3.09%
    $75k-100k 61 $11,245,000 $184,344 $2,132 3.07%
    $150k-250k 39 $12,465,000 $319,615 $2,291 3.04%
    $50k or less 38 $4,670,000 $122,895 $2,097 3.38%
    $250k+ 13 $5,365,000 $412,692 $2,772 4.41%

    Bank Of The Flint Hills lent most frequently to those with incomes in the $100k-150k range, with 88 originations. The second most popular income band? $50k-75k, with 64 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 116 $23,840,000 $205,517 $2,155 3.03%
    30-36% 72 $14,460,000 $200,833 $2,092 3.10%
    <20% 50 $10,010,000 $200,200 $2,063 3.61%
    38% 12 $2,470,000 $205,833 $2,377 3.44%
    40% 11 $2,625,000 $238,636 $2,176 3.43%
    37% 9 $1,475,000 $163,889 $2,053 2.96%
    36% 9 $1,905,000 $211,667 $2,202 3.39%
    41% 9 $1,365,000 $151,667 $2,184 3.39%
    43% 5 $1,535,000 $307,000 $2,088 2.75%
    45% 5 $755,000 $151,000 $2,112 2.88%
    39% 4 $930,000 $232,500 $2,112 3.38%
    48% 4 $830,000 $207,500 $2,234 3.03%
    44% 4 $600,000 $150,000 $1,955 3.44%
    42% 3 $675,000 $225,000 $2,196 3.65%
    47% 3 $735,000 $245,000 $2,255 3.13%
    46% 2 $460,000 $230,000 $2,455 2.63%
    49% 1 $315,000 $315,000 $2,696 2.88%
    50-60% 1 $85,000 $85,000 $2,158 4.95%
    >60% 1 $85,000 $85,000 $0 0.00%

    Bank Of The Flint Hills lent most frequently to those with DTI ratios of 20-30%, with 116 originations. The next most common DTI ratio? 30-36%, with 72 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 327 $65,645,000 $200,749 $2,138 3.24%
    Not applicable 26 $5,320,000 $204,615 $0 4.64%
    Asian 2 $350,000 $175,000 $2,126 2.56%
    American Indian 1 $75,000 $75,000 $1,740 3.50%

    Approval Rates

    Total approvals of all applications
    93.93%

    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 356 $71,390,000 $200,534

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 3 $2,465,000 $821,667
    Single Family (1-4 Units):Manufactured 1 $55,000 $55,000
    Single Family (1-4 Units):Site-Built 352 $68,870,000 $195,653

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 26 $3,330,000 $128,077 $1,810 3.69%
    40-60% 50 $10,540,000 $210,800 $2,221 3.32%
    60-80% 166 $35,670,000 $214,880 $2,149 3.24%
    80-100% 101 $21,455,000 $212,426 $2,276 3.26%
    Over 100% 1 $85,000 $85,000 $0 6.00%
    Under 20% 12 $310,000 $25,833 $1,113 4.56%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    BANK OF THE WEST Conventional home mortgage Incorrect information on your report 1 3.8%
    BANK OF THE WEST Conventional home mortgage Closing on a mortgage 2 7.7%
    BANK OF THE WEST Other type of mortgage Trouble during payment process 4 15.4%
    BANK OF THE WEST Other type of mortgage Struggling to pay mortgage 2 7.7%
    BANK OF THE WEST Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 3.8%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Trouble during payment process 6 23.1%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Struggling to pay mortgage 1 3.8%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Closing on a mortgage 2 7.7%
    BANK OF THE WEST Conventional home mortgage Trouble during payment process 4 15.4%
    BANK OF THE WEST Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 2 7.7%
    BANK OF THE WEST Conventional home mortgage Struggling to pay mortgage 1 3.8%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Bank of The Flint Hills 408 Missouri Alma, KS 66401 Full Service B&M $9,576
    Bank of The Flint Hills 7860 East Highway 24 Manhattan, KS 66502 Full Service B&M $26,795
    Bank of The Flint Hills 806 Fifth Street Wamego, KS 66547 Full Service B&M $120,234
    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 $9,975
    Bank of The Flint Hills 117 Highway 24 Rossville, KS 66533 Full Service B&M $12,055
    Bank of The Flint Hills 2005 Clock Tower Place Manhattan, KS 66503 Full Service B&M $30,476
    Bank of The Flint Hills 905 East Bertrand Avenue Saint Marys, KS 66536 Full Service B&M $75,018

    For 2020, Bank Of The Flint Hills had 8 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $14,703
    Net interest income $11,799
    Total noninterest income $2,710
    Gross Fiduciary activities income $24
    Service charges on deposit accounts $448
    Trading account gains and fees $0
    Additional Noninterest Income $2,238
    Pre-tax net operating income $4,159
    Securities gains (or losses, -) $22
    Income before extraordinary items $4,016
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $4,016
    Minority interest net income $0
    Net income $4,016
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $3,994

    Bank Of The Flint Hills's gross interest income from loans was $14,703,000.
    Bank Of The Flint Hills's net interest income from loans was $11,799,000.
    Bank Of The Flint Hills's fee based income from loans was $448,000.
    Bank Of The Flint Hills's net income from loans was $4,016,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $2,904
    Provision for credit losses $1,130
    Total noninterest expense $9,220
    Salaries and employee benefits $5,475
    Premises and equipment expense $860
    Additional noninterest expense $2,885
    Applicable income taxes $165
    Net charge-offs $107
    Cash dividends $2,699

    Bank Of The Flint Hills's interest expense for loans was $2,904,000.
    Bank Of The Flint Hills's payroll and benefits expense were $5,475,000.
    Bank Of The Flint Hills's property, plant and equipment expenses $860,000.

    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 2.0%
    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 $302,979
    Deposits held in domestic offices $302,979
    Deposits by Individuals, partnerships, and corporations $271,736
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $31,243
    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 $124,929
    Demand deposits $69,912
    Nontransaction accounts $178,050
    Money market deposit accounts (MMDAs) $51,538
    Other savings deposits (excluding MMDAs) $40,412
    Total time deposits $86,100
    Total time and savings deposits $233,067
    Noninterest-bearing deposits $69,912
    Interest-bearing deposits $233,067
    Retail deposits $293,576
    IRAs and Keogh plan accounts $12,963
    Brokered deposits $1,100
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $359,732
    Cash & Balances due from depository institutions $30,352
    Interest-bearing balances $18,872
    Total securities $52,129
    Federal funds sold & reverse repurchase $0
    Net loans and leases $258,592
    Loan and leases loss allowance $3,386
    Trading account assets $0
    Bank premises and fixed assets $7,701
    Other real estate owned $0
    Goodwill and other intangibles $104
    All other assets $10,854

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $359,732
    Total Liabilities $326,474
    Total deposits $302,979
    Interest-bearing deposits $233,067
    Deposits held in domestic offices $302,979
    % insured (estimated) $82
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $22,400
    Subordinated debt $0
    All other liabilities $1,095

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $258,592
    Loan and leases loss allowance $3,386
    Total loans and leases (domestic) $261,978
    All real estate loans $166,763
    Real estate loans in domestic offices $166,763
    Construction and development loans $23,993
    Residential 1-4 family construction $14,513
    Other construction, all land development and other land $9,480
    Loans secured by nonfarm nonresidential properties $54,521
    Nonfarm nonresidential secured by owner-occupied properties $37,419
    Commercial real estate & other non-farm, non-residential $17,102
    Multifamily residential real estate $14,924
    1-4 family residential loans $47,532
    Farmland loans $25,793
    Loans held in foreign offices $0
    Farm loans $26,990
    Commercial and industrial loans $61,924
    To non-U.S. addressees $0
    Loans to individuals $5,895
    Credit card loans $4
    Related Plans $33
    Consumer Auto Loans $3,899
    Other loans to individuals $1,959
    All other loans & leases $406
    Loans to foreign governments and official institutions $0
    Other loans $26
    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 $149
    Non 1-4 family restructured loans & leases $15
    Total loans and leases (foreign) $0

    Bank of the Flint Hills had $258,592,000 of loans outstanding in 2020. $166,763,000 of loans were in real estate loans. $23,993,000 of loans were in development loans. $14,924,000 of loans were in multifamily mortgage loans. $47,532,000 of loans were in 1-4 family mortgage loans. $26,990,000 of loans were in farm loans. $4,000 of loans were in credit card loans. $3,899,000 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 68 $14,200 $208,824
    Nonfarm, nonresidential loans - <$100k 21 $827 $39,381
    Nonfarm, nonresidential loans - $100-250k 22 $2,650 $120,455
    Nonfarm, nonresidential loans - $250k-1MM 25 $10,723 $428,920
    Commercial & Industrial, US addressed loans - <$1MM 317 $23,878 $75,325
    Commercial & Industrial, US addressed loans - <$100k 233 $5,374 $23,064
    Commercial & Industrial, US addressed loans - $100-250k 46 $4,343 $94,413
    Commercial & Industrial, US addressed loans - $250k-1MM 38 $14,161 $372,658
    Farmland loans - <$1MM 118 $13,714 $116,220
    Farmland loans - <$100k 46 $1,957 $42,543
    Farmland loans - $100-250k 49 $6,259 $127,735
    Farmland loans - $250k-1MM 23 $5,498 $239,043
    Agriculture operations loans - <$1MM 260 $15,773 $60,665
    Agriculture operations loans - <$100k 206 $4,578 $22,223
    Agriculture operations loans - $100-250k 36 $5,518 $153,278
    Agriculture operations loans - $250k-1MM 18 $5,677 $315,389