Home Bank And Trust Company Mortgage Rates, Fees & Info
EUREKA, KS
LEI: 549300T73HHIEIUU5F67
Tax ID: 48-0266459
5 stars
-
out of 5 stars, based on 21 reviews
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Mortgage Data
Bank Data
Overview
Home Bank And Trust Company is a
smaller
bank
specializing in
Home Purchase and Refi loans.
Home Bank And Trust Company 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 include Wichita, Kansas City, Winfield, Phoenix, and Minneapolis among others. Home Bank And Trust Company has
an above average
approval rate for mortages when compared nationally.
They have
an above average
pick rate when compared to the same sample of other lendors.
Home Bank And Trust Company is typically
a low fee
lendor.
Originations
434
Origination Dollar Volume (All Markets)
$84,080,000
Employee count
31
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Relative Rate
Home Bank And Trust Company's average 30 year fixed rate mortgage of loans were
3.03%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.12%.
Relative Fees
Home Bank And Trust Company's average total fees for a 30 year fixed rate
mortgage are $2,496.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| Market |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
|
WICHITA, KS (FHA|USDA|VA)
|
384
|
$75,100,000 |
$195,573 |
$2,348 |
3.14% |
|
Outside of Metro Areas
|
26 |
$3,810,000 |
$146,538 |
$2,025 |
3.36% |
|
KANSAS CITY, MO-KS (FHA|USDA|VA)
|
6
|
$1,540,000 |
$256,667 |
$1,964 |
2.75% |
|
Winfield, KS (FHA|USDA|VA)
|
7
|
$1,135,000 |
$162,143 |
$2,068 |
2.91% |
|
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA)
|
1
|
$445,000 |
$445,000 |
$3,573 |
3.50% |
|
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA)
|
1
|
$425,000 |
$425,000 |
$3,389 |
3.13% |
|
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA)
|
1
|
$355,000 |
$355,000 |
$3,434 |
3.00% |
|
Hutchinson, KS (FHA|USDA|VA)
|
1
|
$305,000 |
$305,000 |
$3,000 |
4.25% |
|
MANHATTAN, KS (FHA|USDA|VA)
|
2
|
$260,000 |
$130,000 |
$2,038 |
3.50% |
|
LAWRENCE, KS (FHA|USDA|VA)
|
1
|
$225,000 |
$225,000 |
$1,705 |
2.75% |
|
Emporia, KS (FHA|USDA|VA)
|
1
|
$185,000 |
$185,000 |
$1,175 |
2.13% |
|
MUNCIE, IN (FHA|USDA|VA)
|
1
|
$135,000 |
$135,000 |
$1,734 |
3.00% |
|
SPRINGFIELD, MO (FHA|USDA|VA)
|
1
|
$85,000 |
$85,000 |
$1,789 |
3.75% |
|
Ponca City, OK (FHA|USDA|VA)
|
1
|
$75,000 |
$75,000 |
$2,240 |
2.63% |
Home Bank And Trust Company's top markets include Wichita, Kansas City, Winfield, Phoenix, and Minneapolis among others.
Product Mix
| Loan Type |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| Conventional |
433 |
$83,725,000 |
$193,360 |
$2,302 |
3.15% |
| FHA |
1 |
$355,000 |
$355,000 |
$9,078 |
2.75% |
For the 2021 period, Home Bank And Trust Company's most frequently
originated loan type
of loans were Conventional, with 433 originations.
Their 2nd most popular type is FHA,
with 1 originations.
Loan Reason
| Loan Reason |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| Home Purchase |
273 |
$55,705,000 |
$204,048 |
$2,500 |
3.23% |
| Refi |
92 |
$18,470,000 |
$200,761 |
$2,164 |
2.85% |
| Cash Out Refi |
65 |
$9,615,000 |
$147,923 |
$1,835 |
3.15% |
| Home Improvement |
3 |
$235,000 |
$78,333 |
$835 |
3.83% |
| Other |
1 |
$55,000 |
$55,000 |
$491 |
4.50% |
For the 2021, Home Bank And Trust Company's most frequently cited loan
purpose
of loans were Home Purchase, with 273
originations.
The 2nd most popular reason of loans were Refi,
with 92 originations.
Loan Duration/Length
| Loan Length |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| 30 Year |
253 |
$53,615,000 |
$211,917 |
$2,496 |
3.03% |
| 15 Year |
84 |
$12,510,000 |
$148,929 |
$2,039 |
2.89% |
| Other |
56 |
$12,170,000 |
$217,321 |
$2,281 |
3.84% |
| 20 Year |
25 |
$4,485,000 |
$179,400 |
$1,755 |
3.40% |
| 10 Year |
11 |
$1,185,000 |
$107,727 |
$1,343 |
3.38% |
| 5 Year |
5 |
$115,000 |
$23,000 |
$1,454 |
4.00% |
For the 2021, Home Bank And Trust Company's most frequently cited loan
length
of loans were 30 Year, with 253 originations.
The 2nd most popular length of loans were 15 Year,
with 84 originations.
Origination Fees
| Origination Fee |
Originations |
Total Value |
Average Loan |
| $<1k |
381 |
$73,255,000 |
$192,270 |
| $1k-2k |
21 |
$5,445,000 |
$259,286 |
| $3k-4k |
1 |
$325,000 |
$325,000 |
$2,496 of loans were Home Bank And Trust Company's
average total fees, while their most
frequently occuring range of origination fees were in the
$<1k bucket,
with 381 originations.
Interest Rates
| Loan Rate |
Originations |
Total Value |
Average Loan |
| 3-4% |
171 |
$30,915,000 |
$180,789 |
| 2.5-3% |
159 |
$35,285,000 |
$221,918 |
| <2.5% |
73 |
$14,965,000 |
$205,000 |
| 4-5% |
30 |
$2,670,000 |
$89,000 |
| 5-6% |
1 |
$245,000 |
$245,000 |
During 2021, Home Bank And Trust Company's average interest
rate of loans were 3.03%, while their
most frequently originated rate bucket of loans were 3-4%,
with 171 originations.
Loan Sizing
| Loan Size |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| $100k-200k |
169 |
$25,965,000 |
$153,639 |
$2,213 |
3.08% |
| $200k-400k |
123 |
$33,665,000 |
$273,699 |
$2,672 |
3.06% |
| $100,000 or less |
111 |
$7,365,000 |
$66,351 |
$1,691 |
3.42% |
| $400k-600k |
28 |
$13,980,000 |
$499,286 |
$3,363 |
2.79% |
| $600k-1MM |
2 |
$1,720,000 |
$860,000 |
$3,635 |
3.69% |
| $1MM+ |
1 |
$1,385,000 |
$1,385,000 |
$0 |
3.63% |
2021 saw Home Bank And Trust Company place emphasis on
$100k-200k loans
with 169 originations, totaling
$25,965,000 in origination value.
Applicant Income
| Applicant Income |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| $100k-150k |
89 |
$19,465,000 |
$218,708 |
$2,485 |
3.05% |
| $50k-75k |
89 |
$12,625,000 |
$141,854 |
$2,168 |
3.14% |
| $75k-100k |
83 |
$15,755,000 |
$189,819 |
$2,452 |
3.16% |
| $50k or less |
70 |
$7,060,000 |
$100,857 |
$2,019 |
3.10% |
| $150k-250k |
50 |
$12,240,000 |
$244,800 |
$2,457 |
3.20% |
| $250k+ |
40 |
$13,450,000 |
$336,250 |
$2,347 |
3.06% |
Home Bank And Trust Company lent most frequently to those with incomes in the
$100k-150k range, with
89 originations.
The second most popular income band? $50k-75k,
with 89 originations.
Applicant Debt to Income Ratio
| DTI Ratio |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| 20-30% |
108 |
$20,520,000 |
$190,000 |
$2,198 |
3.05% |
| <20% |
87 |
$18,445,000 |
$212,011 |
$2,122 |
2.94% |
| 30-36% |
82 |
$14,620,000 |
$178,293 |
$2,322 |
3.18% |
| 42% |
17 |
$2,785,000 |
$163,824 |
$2,049 |
3.03% |
| 43% |
15 |
$2,595,000 |
$173,000 |
$2,251 |
3.30% |
| 39% |
12 |
$1,890,000 |
$157,500 |
$2,247 |
3.48% |
| 38% |
10 |
$1,720,000 |
$172,000 |
$3,063 |
3.09% |
| 44% |
10 |
$2,130,000 |
$213,000 |
$2,014 |
2.99% |
| 36% |
10 |
$2,550,000 |
$255,000 |
$3,468 |
3.06% |
| 40% |
9 |
$2,245,000 |
$249,444 |
$3,236 |
3.11% |
| 37% |
8 |
$1,390,000 |
$173,750 |
$2,699 |
3.30% |
| 49% |
8 |
$2,470,000 |
$308,750 |
$4,249 |
3.03% |
| 48% |
7 |
$1,135,000 |
$162,143 |
$2,014 |
2.91% |
| 45% |
7 |
$1,265,000 |
$180,714 |
$2,075 |
2.98% |
| 41% |
7 |
$1,505,000 |
$215,000 |
$2,447 |
2.63% |
| 47% |
6 |
$1,110,000 |
$185,000 |
$1,930 |
3.29% |
| 46% |
2 |
$400,000 |
$200,000 |
$2,808 |
3.75% |
| 50-60% |
1 |
$125,000 |
$125,000 |
$0 |
4.50% |
| >60% |
1 |
$195,000 |
$195,000 |
$0 |
3.38% |
Home Bank And Trust Company lent most frequently to those with DTI ratios
of 20-30%, with
108 originations.
The next most common DTI ratio? <20%,
with 87 originations.
Ethnicity Mix
| Applicant Ethnicity |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| White |
360 |
$68,690,000 |
$190,806 |
$2,312 |
3.12% |
| Asian |
50 |
$10,460,000 |
$209,200 |
$2,365 |
3.04% |
| Not applicable |
13 |
$3,485,000 |
$268,077 |
$0 |
4.15% |
| Not provided |
5 |
$655,000 |
$131,000 |
$2,495 |
3.90% |
| Black |
5 |
$565,000 |
$113,000 |
$2,262 |
3.20% |
| American Indian |
1 |
$225,000 |
$225,000 |
$2,495 |
2.75% |
Approval Rates
Total approvals of all applications
98.35%
Home Bank And Trust Company 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
96.03%
Home Bank And Trust Company 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 |
| 2178.0 |
1 |
$85,000 |
$85,000 |
| 2397.0 |
1 |
$175,000 |
$175,000 |
| 2512.83 |
1 |
$195,000 |
$195,000 |
| 2520.0 |
1 |
$115,000 |
$115,000 |
| 2521.0 |
1 |
$115,000 |
$115,000 |
| 2710.39 |
1 |
$165,000 |
$165,000 |
| 2837.0 |
1 |
$95,000 |
$95,000 |
| 2841.0 |
1 |
$175,000 |
$175,000 |
| 2962.0 |
1 |
$195,000 |
$195,000 |
| 3001.0 |
1 |
$45,000 |
$45,000 |
| 3013.59 |
1 |
$285,000 |
$285,000 |
| 3729.38 |
1 |
$395,000 |
$395,000 |
| 3844.5 |
2 |
$130,000 |
$65,000 |
| 3852.0 |
1 |
$75,000 |
$75,000 |
| 4122.0 |
1 |
$75,000 |
$75,000 |
| 4266.5 |
1 |
$405,000 |
$405,000 |
| 4381.25 |
1 |
$455,000 |
$455,000 |
| 4416.0 |
1 |
$85,000 |
$85,000 |
| 4432.71 |
1 |
$225,000 |
$225,000 |
| NA |
414 |
$80,590,000 |
$194,662 |
Occupancy Type Mix
| Dwelling Type |
Originations |
Total Value |
Average Loan |
|
434 |
$84,080,000 |
$193,733 |
LTV Distribution
| Loan to Value |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| 20-40% |
24 |
$4,140,000 |
$172,500 |
$1,770 |
3.10% |
| 40-60% |
45 |
$12,055,000 |
$267,889 |
$2,379 |
2.89% |
| 60-80% |
182 |
$35,890,000 |
$197,198 |
$2,337 |
3.14% |
| 80-100% |
164 |
$30,760,000 |
$187,561 |
$2,524 |
3.17% |
| Under 20% |
18 |
$1,040,000 |
$57,778 |
$806 |
3.74% |
Complaints
| Bank Name |
Product |
Issue |
2021 CPFB Complaints |
% of Total Issues |
| HOME BANCSHARES, INC. |
Conventional home mortgage |
Trouble during payment process |
1 |
50.0% |
| HOME BANCSHARES, INC. |
Home equity loan or line of credit (HELOC) |
Trouble during payment process |
1 |
50.0% |
Bank Details
Branches
| Bank Name |
Branch |
Branch Type |
Deposits (000's) |
| Home Bank and Trust Company |
101 South Main Street Eureka, KS 67045 |
Limited, Drive-thru
|
$0 |
| Home Bank and Trust Company |
10421 West Central Avenue Wichita, KS 67212 |
Full Service B&M
|
$26,875 |
| Home Bank and Trust Company |
1409 N Greenwich Wichita, KS 67206 |
Full Service B&M
|
$33,649 |
| Home Bank and Trust Company |
201 North Kansas Avenue Severy, KS 67137 |
Full Service B&M
|
$9,552 |
| Home Bank and Trust Company |
217 North Main Street Eureka, KS 67045 |
Full Service B&M
|
$45,158 |
| Home Bank and Trust Company |
741 North Fourth Clearwater, KS 67026 |
Full Service B&M
|
$25,130 |
For 2021, Home Bank And Trust Company had 6 branches.
Yearly Performance Overview
Bank Income
Home Bank And Trust Company's gross interest income from loans was $5,096,000.
Home Bank And Trust Company's net interest income from loans was $4,360,000.
Home Bank And Trust Company's fee based income from loans was $177,000.
Home Bank And Trust Company's net income from loans was $1,741,000.
Bank Expenses
| Item |
Value (in 000's) |
| Total interest expense |
$736 |
| Provision for credit losses |
$60 |
| Total noninterest expense |
$4,695 |
| Salaries and employee benefits |
$2,939 |
| Premises and equipment expense |
$700 |
| Additional noninterest expense |
$1,056 |
| Applicable income taxes |
$152 |
| Net charge-offs |
$-6 |
| Cash dividends |
$1,133 |
Home Bank And Trust Company's interest expense for loans was $736,000.
Home Bank And Trust Company's payroll and benefits expense were $2,939,000.
Home Bank And Trust Company's property, plant and equipment expenses $700,000.
Deposits
| Type |
Value (in 000's) |
| Total deposits |
$143,947 |
| Deposits held in domestic offices |
$143,947 |
| Deposits by Individuals, partnerships, and corporations |
$137,848 |
| Deposits by U.S. Government |
$0 |
| Deposits by States and political subdivisions in the U.S. |
$6,099 |
| 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 |
$61,655 |
| Demand deposits |
$39,739 |
| Nontransaction accounts |
$82,292 |
| Money market deposit accounts (MMDAs) |
$25,035 |
| Other savings deposits (excluding MMDAs) |
$20,043 |
| Total time deposits |
$37,214 |
| Total time and savings deposits |
$104,208 |
| Noninterest-bearing deposits |
$39,738 |
| Interest-bearing deposits |
$104,209 |
| Retail deposits |
$135,692 |
| IRAs and Keogh plan accounts |
$3,897 |
| Brokered deposits |
$0 |
| Deposits held in foreign offices |
$0 |
Assets
| Asset |
Value (in 000's) |
| Total Assets |
$154,473 |
| Cash & Balances due from depository institutions |
$38,972 |
| Interest-bearing balances |
$37,903 |
| Total securities |
$6,733 |
| Federal funds sold & reverse repurchase |
$4,970 |
| Net loans and leases |
$95,836 |
| Loan and leases loss allowance |
$1,447 |
| Trading account assets |
$0 |
| Bank premises and fixed assets |
$2,900 |
| Other real estate owned |
$0 |
| Goodwill and other intangibles |
$0 |
| All other assets |
$5,062 |
Liabilities
| Liabilities |
Value (in 000's) |
| Total liabilities and capital |
$154,473 |
| Total Liabilities |
$144,205 |
| Total deposits |
$143,947 |
| Interest-bearing deposits |
$104,209 |
| Deposits held in domestic offices |
$143,947 |
| % insured (estimated) |
$82 |
| Federal funds purchased and repurchase agreements |
$0 |
| Trading liabilities |
$0 |
| Other borrowed funds |
$0 |
| Subordinated debt |
$0 |
| All other liabilities |
$258 |
Issued Loan Types
| Type |
Value (in 000's) |
| Net loans and leases |
$95,836 |
| Loan and leases loss allowance |
$1,447 |
| Total loans and leases (domestic) |
$97,283 |
| All real estate loans |
$76,443 |
| Real estate loans in domestic offices |
$76,443 |
| Construction and development loans |
$5,845 |
| Residential 1-4 family construction |
$5,126 |
| Other construction, all land development and other land |
$719 |
| Loans secured by nonfarm nonresidential properties |
$24,356 |
| Nonfarm nonresidential secured by owner-occupied properties |
$8,588 |
| Commercial real estate & other non-farm, non-residential |
$15,768 |
| Multifamily residential real estate |
$680 |
| 1-4 family residential loans |
$44,648 |
| Farmland loans |
$914 |
| Loans held in foreign offices |
$0 |
| Farm loans |
$3,267 |
| Commercial and industrial loans |
$12,722 |
| To non-U.S. addressees |
$0 |
| Loans to individuals |
$4,851 |
| Credit card loans |
$0 |
| Related Plans |
$0 |
| Consumer Auto Loans |
$2,998 |
| Other loans to individuals |
$1,853 |
| All other loans & leases |
$0 |
| Loans to foreign governments and official institutions |
$0 |
| Other loans |
$0 |
| 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 |
$0 |
| Non 1-4 family restructured loans & leases |
$0 |
| Total loans and leases (foreign) |
$0 |
HOME BANK AND TRUST COMPANY had $95,836,000 of loans outstanding in 2021. $76,443,000 of loans were in real estate loans.
$5,845,000 of loans were in development loans. $680,000 of loans were in multifamily mortgage loans.
$44,648,000 of loans were in 1-4 family mortgage loans. $3,267,000 of loans were in farm loans. $0
of loans were in credit card loans. $2,998,000 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 |
$24,356 |
$329,135 |
| Nonfarm, nonresidential loans - <$100k |
27 |
$985 |
$36,481 |
| Nonfarm, nonresidential loans - $100-250k |
15 |
$2,463 |
$164,200 |
| Nonfarm, nonresidential loans - $250k-1MM |
32 |
$20,908 |
$653,375 |
| Commercial & Industrial, US addressed loans - <$1MM |
136 |
$12,722 |
$93,544 |
| Commercial & Industrial, US addressed loans - <$100k |
110 |
$3,353 |
$30,482 |
| Commercial & Industrial, US addressed loans - $100-250k |
16 |
$2,487 |
$155,438 |
| Commercial & Industrial, US addressed loans - $250k-1MM |
10 |
$6,882 |
$688,200 |
| Farmland loans - <$1MM |
19 |
$914 |
$48,105 |
| Farmland loans - <$100k |
19 |
$914 |
$48,105 |
| Agriculture operations loans - <$1MM |
64 |
$3,267 |
$51,047 |
| Agriculture operations loans - <$100k |
64 |
$3,267 |
$51,047 |
