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

Jump to:

  • 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)

    • 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, Wichita, Salina, and Lawrence 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. 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 relatively high 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

    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

    167

    Origination Dollar Volume (All Markets)

    $44,045,000

    Awards

    Bank of the Flint Hills 30 Year Conventional Loans bronze Bank of the Flint Hills 30 Year Conventional Loans gold
    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) 116 $34,230,000 $295,086 $2,719 4.98%
    TOPEKA, KS (FHA|USDA|VA) 40 $7,050,000 $176,250 $2,408 5.08%
    WICHITA, KS (FHA|USDA|VA) 1 $1,125,000 $1,125,000 $0 5.00%
    Outside of Metro Areas 7 $1,085,000 $155,000 $2,167 5.16%
    Salina, KS (FHA|USDA|VA) 2 $310,000 $155,000 $2,391 4.88%
    LAWRENCE, KS (FHA|USDA|VA) 1 $245,000 $245,000 $0 6.88%
    Bank Of The Flint Hills's top markets include Manhattan, Topeka, Wichita, Salina, and Lawrence among others.

    Their top states include:
  • Kansas (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: 28
    CoreFirst Bank & Trust
    Similarity Rank: 70
    Azura Credit Union
    Similarity Rank: 150
    Bank of the Flint Hills
    Similarity Rank: 300
    MERITRUST Federal Credit Union
    Similarity Rank: 315
    Truity Federal Credit Union
    Similarity Rank: 357
    Envista Credit Union
    Similarity Rank: 360
    Exchange Bank
    Similarity Rank: 400
    West Gate Bank
    Similarity Rank: 488
    Mid-America Bank
    Similarity Rank: 638

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 167 $44,045,000 $263,743 $2,580 5.02%

    For 2022, Bank Of The Flint Hills's most frequently originated type of loan was Conventional, with 167 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 104 $21,790,000 $209,519 $2,590 5.12%
    Refi 37 $17,485,000 $472,568 $2,872 5.01%
    Cash Out Refi 24 $4,530,000 $188,750 $2,229 4.66%
    Home Improvement 1 $135,000 $135,000 $0 4.95%
    NA 1 $105,000 $105,000 $0 4.00%

    For 2022, Bank Of The Flint Hills's most frequently cited loan purpose was Home Purchase, with 104 originations. The 2nd most popular reason was Refi, with 37 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 56 $13,160,000 $235,000 $2,372 5.32%
    20 Year 51 $11,325,000 $222,059 $2,620 4.89%
    Other 33 $15,035,000 $455,606 $3,441 4.82%
    15 Year 23 $2,965,000 $128,913 $2,051 4.83%
    10 Year 2 $1,360,000 $680,000 $0 5.06%
    1 Year 2 $200,000 $100,000 $0 5.35%

    For 2022, Bank Of The Flint Hills's most frequently cited loan duration was 30 Year, with 56 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 92 $17,760,000 $193,043
    $1k-2k 10 $2,850,000 $285,000
    $2k-3k 2 $830,000 $415,000
    $4k-5k 1 $2,805,000 $2,805,000

    Bank Of The Flint Hills's average total fees were $2,372, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 92 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 59 $17,635,000 $298,898
    5-6% 54 $12,170,000 $225,370
    3-4% 28 $9,040,000 $322,857
    6-7% 24 $4,490,000 $187,083
    2.5-3% 2 $710,000 $355,000

    During 2022, Bank Of The Flint Hills's average interest rate for loans was 5.32%, while their most frequently originated rate bucket for loans was 4-5%, with 59 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 60 $8,750,000 $145,833 $2,372 4.97%
    $200k-400k 54 $15,110,000 $279,815 $2,799 5.09%
    $100,000 or less 34 $2,300,000 $67,647 $1,900 5.06%
    $400k-600k 9 $4,225,000 $469,444 $3,243 5.37%
    $1MM+ 6 $10,730,000 $1,788,333 $12,628 4.47%
    $600k-1MM 4 $2,930,000 $732,500 $3,595 4.58%

    2022 saw Bank Of The Flint Hills place emphasis on $100k-200k loans with 60 originations, totaling $8,750,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 25 $7,105,000 $284,200 $2,799 5.34%
    $50k-75k 23 $3,215,000 $139,783 $2,234 4.57%
    $75k-100k 21 $4,155,000 $197,857 $2,325 4.85%
    $50k or less 19 $1,905,000 $100,263 $2,200 5.30%
    $150k-250k 14 $3,670,000 $262,143 $3,002 4.92%
    $250k+ 5 $4,315,000 $863,000 $4,685 4.35%

    Bank Of The Flint Hills lent most frequently to those with incomes in the $100k-150k range, with 25 originations. The second most popular income band? $50k-75k, with 23 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    <20% 26 $5,770,000 $221,923 $2,580 4.98%
    20-30% 21 $4,675,000 $222,619 $2,596 4.83%
    30-36% 14 $3,050,000 $217,857 $2,410 5.13%
    42% 12 $3,540,000 $295,000 $2,819 4.94%
    37% 7 $1,235,000 $176,429 $2,076 5.29%
    38% 6 $980,000 $163,333 $2,525 4.85%
    41% 5 $1,355,000 $271,000 $3,209 4.95%
    36% 4 $1,100,000 $275,000 $2,166 5.59%
    39% 3 $735,000 $245,000 $2,963 5.79%
    40% 3 $425,000 $141,667 $2,103 5.38%
    >60% 3 $675,000 $225,000 $3,382 4.17%
    49% 2 $470,000 $235,000 $2,425 4.81%
    45% 1 $145,000 $145,000 $2,099 3.25%
    47% 1 $285,000 $285,000 $2,786 4.13%
    50-60% 1 $205,000 $205,000 $2,730 4.50%
    44% 1 $275,000 $275,000 $2,651 6.00%

    Bank Of The Flint Hills lent most frequently to those with DTI ratios of <20%, with 26 originations. The next most common DTI ratio? 20-30%, with 21 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 120 $25,210,000 $210,083 $2,576 5.04%
    Not applicable 36 $15,730,000 $436,944 $0 4.95%
    Not provided 8 $2,640,000 $330,000 $2,754 5.20%
    American Indian 3 $465,000 $155,000 $2,281 4.75%

    Approval Rates

    Total approvals of all applications
    98.82%

    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 167 $44,045,000 $263,743

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    167 $44,045,000 $263,743

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 11 $895,000 $81,364 $2,075 5.03%
    40-60% 21 $3,725,000 $177,381 $2,377 4.89%
    60-80% 72 $23,240,000 $322,778 $2,407 5.00%
    80-100% 60 $15,860,000 $264,333 $2,984 5.06%
    Under 20% 3 $325,000 $108,333 $1,473 5.63%

    Complaints

    Bank Name Product Issue 2022 CPFB Complaints % of Total Issues
    BANK OF NEW YORK MELLON CORPORATION, THE Reverse mortgage Struggling to pay mortgage 1 100.0%