Intrust Bank Mortgage Rates, Fees & Info

Wichita, KS

LEI: 549300IXP5DNWSGY6F96

Tax ID: 48-0477525

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)

    • Review & Overview

    Intrust Bank is a smaller bank specializing in Home Purchase and Refi loans. Intrust Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Wichita, Kansas City, Manhattan, Oklahoma City, and Fayetteville among others. We have data for 17 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Intrust Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Intrust Bank 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
    Home Equity Line of Credit (HELOC) 6.07% 4/28/24
    30 Year Conventional Purchase 6.41% 4/28/24
    30 Year Conventional Refi 6.49% 4/28/24
    30 Year Cash-out Refi 6.52% 4/28/24
    30 Year FHA Purchase 6.61% 4/28/24
    30 Year VA Purchase 5.89% 4/28/24
    30 Year VA Refi 6.27% 4/28/24
    15 Year Conventional Purchase 5.86% 4/28/24
    15 Year Conventional Refi 6.36% 4/28/24
    15 Year Cash-out Refi 6.36% 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.

    Intrust Bank Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from Intrust Bank. 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

    562

    Origination Dollar Volume (All Markets)

    $103,730,000

    Awards

    Intrust Bank 30 Year Conventional Loans gold Intrust Bank 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
    WICHITA, KS (FHA|USDA|VA) 406 $59,810,000 $147,315 $1,491 4.91%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 48 $20,070,000 $418,125 $1,815 5.24%
    Outside of Metro Areas 16 $9,270,000 $579,375 $1,404 4.95%
    MANHATTAN, KS (FHA|USDA|VA) 24 $3,770,000 $157,083 $1,860 5.31%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 26 $3,290,000 $126,538 $910 5.12%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 15 $2,885,000 $192,333 $1,884 5.18%
    LAWRENCE, KS (FHA|USDA|VA) 10 $1,700,000 $170,000 $1,685 4.54%
    TOPEKA, KS (FHA|USDA|VA) 4 $730,000 $182,500 $3,136 5.91%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $585,000 $585,000 $0 6.50%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $335,000 $335,000 $0 6.65%
    Salina, KS (FHA|USDA|VA) 2 $320,000 $160,000 $800 5.50%
    Winfield, KS (FHA|USDA|VA) 3 $275,000 $91,667 $1,369 5.88%
    Ottawa, KS (FHA|USDA|VA) 1 $255,000 $255,000 $0 3.50%
    Great Bend, KS (FHA|USDA|VA) 2 $200,000 $100,000 $1,950 4.50%
    Hutchinson, KS (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.40%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $85,000 $85,000 $0 6.35%
    Arkadelphia, AR (FHA|USDA|VA) 1 $45,000 $45,000 $0 8.00%
    Intrust Bank's top markets include Wichita, Kansas City, Manhattan, Oklahoma City, and Fayetteville among others.

    Their top states include:
  • Kansas (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)
  • Arkansas (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)

    • Similar Lenders

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

    PANHANDLE FEDERAL CREDIT UNION
    Similarity Rank: 34
    SKYWARD
    Similarity Rank: 124
    HOME BANK AND TRUST COMPANY
    Similarity Rank: 126
    WEOKIE
    Similarity Rank: 165
    MAINSTREET FEDERAL CREDIT UNION
    Similarity Rank: 175
    ALLEGIANCE
    Similarity Rank: 176
    TRUE SKY
    Similarity Rank: 192
    Members Mortgage Services, L.L.C.
    Similarity Rank: 198
    Vision Bank
    Similarity Rank: 300
    FRONTIER COMMUNITY CREDIT UNION
    Similarity Rank: 354

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 352 $75,780,000 $215,284 $1,391 4.99%
    HELOC 196 $24,950,000 $127,296 n/a 5.04%
    VA 9 $2,135,000 $237,222 $2,983 4.44%
    FHA 5 $865,000 $173,000 $4,411 4.35%

    For 2022, Intrust Bank's most frequently originated type of loan was Conventional, with 352 originations. Their 2nd most popular type was HELOC, with 196 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 222 $54,160,000 $243,964 $2,034 4.88%
    Home Improvement 121 $8,565,000 $70,785 $145 5.17%
    Refi 120 $30,230,000 $251,917 $730 5.02%
    Other 83 $8,295,000 $99,940 $443 5.11%
    Cash Out Refi 16 $2,480,000 $155,000 $2,566 4.48%

    For 2022, Intrust Bank's most frequently cited loan purpose was Home Purchase, with 222 originations. The 2nd most popular reason was Home Improvement, with 121 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 207 $30,955,000 $149,541 $0 5.01%
    30 Year 159 $40,755,000 $256,321 $2,188 4.82%
    15 Year 60 $8,850,000 $147,500 $1,135 4.37%
    10 Year 53 $4,785,000 $90,283 $193 5.11%
    5 Year 48 $7,120,000 $148,333 $145 5.61%
    1 Year 26 $9,940,000 $382,308 $1,036 5.81%
    20 Year 8 $1,120,000 $140,000 $2,085 5.49%
    3 Year 1 $205,000 $205,000 $0 7.00%

    For 2022, Intrust Bank's most frequently cited loan duration was Other, with 207 originations. The 2nd most popular length was 30 Year, with 159 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 257 $39,825,000 $154,961
    $1k-2k 13 $8,735,000 $671,923
    $2k-3k 9 $2,445,000 $271,667
    $3k-4k 4 $1,160,000 $290,000
    $4k-5k 1 $195,000 $195,000
    $5k+ 1 $595,000 $595,000

    Intrust Bank's average total fees were $2,188, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 257 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 160 $30,660,000 $191,625
    3-4% 152 $26,360,000 $173,421
    4-5% 129 $26,425,000 $204,845
    6-7% 73 $12,185,000 $166,918
    7-8% 25 $2,995,000 $119,800
    2.5-3% 16 $3,740,000 $233,750
    <2.5% 4 $1,030,000 $257,500
    Over 8% 3 $335,000 $111,667

    During 2022, Intrust Bank's average interest rate for loans was 4.82%, while their most frequently originated rate bucket for loans was 5-6%, with 160 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 248 $12,410,000 $50,040 $551 5.12%
    $100k-200k 150 $21,230,000 $141,533 $1,745 4.89%
    $200k-400k 123 $33,475,000 $272,154 $2,029 4.98%
    $400k-600k 23 $10,815,000 $470,217 $3,182 4.46%
    $1MM+ 10 $19,810,000 $1,981,000 $4,916 4.72%
    $600k-1MM 8 $5,990,000 $748,750 $2,447 5.20%

    2022 saw Intrust Bank place emphasis on $100,000 or less loans with 248 originations, totaling $12,410,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 104 $11,760,000 $113,077 $1,395 5.06%
    $100k-150k 101 $14,835,000 $146,881 $1,411 4.79%
    $50k or less 73 $5,465,000 $74,863 $1,003 4.76%
    $75k-100k 71 $9,295,000 $130,915 $1,768 4.85%
    $150k-250k 66 $13,260,000 $200,909 $1,731 5.20%
    $250k+ 40 $17,170,000 $429,250 $3,475 5.01%

    Intrust Bank lent most frequently to those with incomes in the $50k-75k range, with 104 originations. The second most popular income band? $100k-150k, with 101 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 147 $19,855,000 $135,068 $1,176 4.93%
    <20% 84 $10,760,000 $128,095 $1,267 4.75%
    30-36% 82 $12,040,000 $146,829 $1,541 4.82%
    42% 20 $5,480,000 $274,000 $2,669 5.30%
    41% 19 $2,905,000 $152,895 $1,565 5.22%
    39% 18 $2,140,000 $118,889 $2,108 5.34%
    36% 15 $5,205,000 $347,000 $1,580 5.13%
    38% 15 $2,815,000 $187,667 $1,188 4.40%
    40% 14 $2,740,000 $195,714 $1,431 5.40%
    37% 14 $870,000 $62,143 $590 4.70%
    46% 11 $2,665,000 $242,273 $2,417 4.55%
    44% 6 $1,150,000 $191,667 $2,558 4.69%
    43% 6 $1,110,000 $185,000 $1,523 4.40%
    45% 4 $820,000 $205,000 $1,752 5.13%
    47% 3 $745,000 $248,333 $3,371 3.92%
    48% 2 $470,000 $235,000 $1,644 6.00%
    49% 1 $255,000 $255,000 $3,785 4.88%
    50-60% 1 $55,000 $55,000 $0 3.75%

    Intrust Bank lent most frequently to those with DTI ratios of 20-30%, with 147 originations. The next most common DTI ratio? <20%, with 84 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 416 $61,990,000 $149,014 $1,489 4.93%
    Not applicable 87 $28,945,000 $332,701 $0 5.41%
    Not provided 34 $5,980,000 $175,882 $1,712 4.89%
    Asian 16 $3,280,000 $205,000 $999 4.59%
    Asian Indian 1 $2,965,000 $2,965,000 $5,730 5.50%
    Black 5 $425,000 $85,000 $1,005 5.25%
    American Indian 3 $145,000 $48,333 $1,633 4.38%

    Approval Rates

    Total approvals of all applications
    75.27%

    Intrust Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    84.52%

    Intrust Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 562 $103,730,000 $184,573

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    562 $103,730,000 $184,573

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 117 $12,245,000 $104,658 $600 5.07%
    40-60% 76 $14,790,000 $194,605 $1,399 4.96%
    60-80% 142 $39,690,000 $279,507 $2,146 5.03%
    80-100% 115 $27,845,000 $242,130 $1,919 4.67%
    Over 100% 4 $2,240,000 $560,000 $11,438 5.22%
    Under 20% 108 $6,920,000 $64,074 $146 5.22%

    Complaints

    Bank Name Product Issue 2022 CPFB Complaints % of Total Issues
    INTERFIRST MORTGAGE COMPANY Conventional home mortgage Closing on a mortgage 1 100.0%