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

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Originations
  • Relative Rates
  • Relative Fees
  • 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

    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 by origination volume include: Wichita, Kansas City, Winfield, Phoenix, and Minneapolis among others. We have data for 14 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Home Bank And Trust Company 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. Home Bank And Trust Company 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
    30 Year Conventional Purchase 6.46% 3/19/23
    30 Year Conventional Refi 6.25% 3/19/23
    30 Year Cash-out Refi 6.51% 3/19/23
    30 Year FHA Purchase 7.10% 3/19/23
    15 Year Conventional Purchase 6.02% 3/19/23
    15 Year Conventional Refi 5.74% 3/19/23
    15 Year Cash-out Refi 5.74% 3/19/23
    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.


    Originations

    434

    Origination Dollar Volume (All Markets)

    $84,080,000

    Employee count

    31

    Awards

    HOME BANK AND TRUST COMPANY 30 Year Conventional Loans bronze HOME BANK AND TRUST COMPANY 30 Year Conventional Loans silver HOME BANK AND TRUST COMPANY 30 Year Conventional Loans bronze
    Show all (3) awards

    Relative Rate

    Home Bank And Trust Company's average 30 year fixed mortgage rate was 3.03%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.12%.

    Relative Fees (Closing Costs)

    Home Bank And Trust Company's average total fees/closing costs for a 30 year fixed rate mortgage were $2,496.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    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) 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.

    Their top states include:
  • Kansas (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)

    • Similar Lenders

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

    GOLDEN PLAINS
    Similarity Rank: 136
    Members Mortgage Services, L.L.C.
    Similarity Rank: 220
    SKYWARD
    Similarity Rank: 240
    PANHANDLE FEDERAL CREDIT UNION
    Similarity Rank: 264
    Central National Bank
    Similarity Rank: 363
    MID AMERICAN
    Similarity Rank: 500
    Wichita Federal Credit Union
    Similarity Rank: 553
    HOME BANK AND TRUST COMPANY
    Similarity Rank: 560
    Intrust Bank
    Similarity Rank: 946
    CREDIT UNION OF AMERICA
    Similarity Rank: 1020

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 433 $83,725,000 $193,360 $2,302 3.15%
    FHA 1 $355,000 $355,000 $9,078 2.75%

    For 2021, Home Bank And Trust Company's most frequently originated type of loan was Conventional, with 433 originations. Their 2nd most popular type was FHA, with 1 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Home Bank And Trust Company's most frequently cited loan purpose was Home Purchase, with 273 originations. The 2nd most popular reason was 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 2021, Home Bank And Trust Company's most frequently cited loan duration was 30 Year, with 253 originations. The 2nd most popular length was 15 Year, with 84 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost 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

    Home Bank And Trust Company's average total fees were $2,496, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 3.03%, while their most frequently originated rate bucket for loans was 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
    98.33%

    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
    91.71%

    Home Bank And Trust Company has an average pick rate.

    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

    Item Value (in 000's)
    Total interest income $5,096
    Net interest income $4,360
    Total noninterest income $2,288
    Gross Fiduciary activities income $1
    Service charges on deposit accounts $177
    Trading account gains and fees $0
    Additional Noninterest Income $2,110
    Pre-tax net operating income $1,893
    Securities gains (or losses, -) $0
    Income before extraordinary items $1,741
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $1,741
    Minority interest net income $0
    Net income $1,741
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $1,741

    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.

    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 $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