Home Bank And Trust Company Mortgage Rates, Fees & Info

EUREKA, KS

LEI: 549300T73HHIEIUU5F67

Tax ID: 48-0266459

5 stars - Updated: 7/7/25 - out of 5 stars, based on 13 reviews

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • 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

    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. Their top markets by origination volume include: Wichita, Winfield, Lawrence, Hutchinson, and Dallas among others. We have data for 8 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 a below 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.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.76% 7/7/25
    30 Year Conventional Refi 6.79% 7/7/25
    15 Year Conventional Purchase 5.65% 7/7/25
    15 Year Conventional Refi 6.04% 7/7/25
    15 Year Cash-out Refi 6.04% 7/7/25
    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.

    Home Bank And Trust Company Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from Home Bank And Trust Company. 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

    169

    Origination Dollar Volume (All Markets)

    $45,085,000

    Awards

    HOME BANK AND TRUST COMPANY 30 Year Conventional Loans gold HOME BANK AND TRUST COMPANY 30 Year Conventional Loans silver
    Show all (2) awards

    Relative Rate

    Home Bank And Trust Company's average 30 year fixed mortgage rate was 6.6%.

    The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

    This yields a difference of 0.05%.

    Relative Fees (Closing Costs)

    Home Bank And Trust Company's average total fees/closing costs for a 30 year fixed rate mortgage were $3,003.

    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 $8,356.

    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) 143 $39,075,000 $273,252 $2,693 6.98%
    Outside of Metro Areas 14 $1,980,000 $141,429 $1,925 7.24%
    Winfield, KS (FHA|USDA|VA) 5 $1,165,000 $233,000 $2,602 6.70%
    LAWRENCE, KS (FHA|USDA|VA) 2 $1,130,000 $565,000 $2,507 7.13%
    Hutchinson, KS (FHA|USDA|VA) 2 $840,000 $420,000 $2,732 6.63%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $365,000 $365,000 $1,934 6.75%
    Ponca City, OK (FHA|USDA|VA) 1 $325,000 $325,000 $4,303 7.00%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $205,000 $205,000 $1,755 6.63%
    Home Bank And Trust Company's top markets include Wichita, Winfield, Lawrence, Hutchinson, and Dallas among others.

    Their top states include:
  • Kansas (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Oklahoma (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.

    HOME BANK AND TRUST COMPANY
    Similarity Rank: 176
    MERITRUST Federal Credit Union
    Similarity Rank: 270
    Intrust Bank
    Similarity Rank: 299
    Emprise Bank
    Similarity Rank: 357
    Capitol Federal Savings Bank
    Similarity Rank: 374
    RCB Bank
    Similarity Rank: 396
    SKYWARD
    Similarity Rank: 406
    Wichita Federal Credit Union
    Similarity Rank: 544
    CREDIT UNION OF AMERICA
    Similarity Rank: 918
    Members Mortgage Services, L.L.C.
    Similarity Rank: 928

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 169 $45,085,000 $266,775 $2,633 6.99%

    For 2024, Home Bank And Trust Company's most frequently originated type of loan was Conventional, with 169 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 118 $33,960,000 $287,797 $2,974 6.84%
    Refi 45 $10,895,000 $242,111 $1,879 7.28%
    Cash Out Refi 4 $160,000 $40,000 $1,186 7.50%
    Home Improvement 1 $15,000 $15,000 $0 8.25%
    Other 1 $55,000 $55,000 $1,140 8.00%

    For 2024, Home Bank And Trust Company's most frequently cited loan purpose was Home Purchase, with 118 originations. The 2nd most popular reason was Refi, with 45 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 86 $22,980,000 $267,209 $3,003 6.60%
    Other 33 $14,225,000 $431,061 $2,651 7.17%
    20 Year 26 $3,370,000 $129,615 $1,316 7.94%
    15 Year 19 $4,365,000 $229,737 $1,790 7.05%
    10 Year 2 $110,000 $55,000 $964 7.25%
    3 Year 2 $20,000 $10,000 $409 7.50%
    5 Year 1 $15,000 $15,000 $765 7.00%

    For 2024, Home Bank And Trust Company's most frequently cited loan duration was 30 Year, with 86 originations. The 2nd most popular length was Other, with 33 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 117 $26,215,000 $224,060
    $1k-2k 18 $8,200,000 $455,556

    Home Bank And Trust Company's average total fees were $3,003, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 117 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 102 $30,740,000 $301,373
    7-8% 50 $10,140,000 $202,800
    5-6% 10 $1,630,000 $163,000
    Over 8% 6 $570,000 $95,000
    4-5% 1 $2,005,000 $2,005,000

    During 2024, Home Bank And Trust Company's average interest rate for loans was 6.60%, while their most frequently originated rate bucket for loans was 6-7%, with 102 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 50 $2,890,000 $57,800 $1,754 7.28%
    $200k-400k 50 $13,930,000 $278,600 $2,762 6.78%
    $100k-200k 43 $6,605,000 $153,605 $2,663 7.02%
    $400k-600k 12 $5,560,000 $463,333 $3,119 6.94%
    $600k-1MM 9 $6,365,000 $707,222 $3,874 6.68%
    $1MM+ 5 $9,735,000 $1,947,000 $4,857 6.51%

    2024 saw Home Bank And Trust Company place emphasis on $100,000 or less loans with 50 originations, totaling $2,890,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 37 $7,575,000 $204,730 $2,542 6.95%
    $150k-250k 35 $9,645,000 $275,571 $2,771 6.99%
    $50k-75k 22 $3,080,000 $140,000 $2,385 6.78%
    $50k or less 20 $1,590,000 $79,500 $2,082 6.78%
    $75k-100k 19 $4,205,000 $221,316 $2,605 6.87%
    $250k+ 18 $13,020,000 $723,333 $3,528 6.72%

    Home Bank And Trust Company lent most frequently to those with incomes in the $100k-150k range, with 37 originations. The second most popular income band? $150k-250k, with 35 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 37 $8,155,000 $220,405 $2,414 6.94%
    30-36% 22 $5,140,000 $233,636 $2,785 7.02%
    <20% 21 $5,955,000 $283,571 $2,555 6.72%
    48% 9 $2,625,000 $291,667 $2,709 6.96%
    43% 8 $1,790,000 $223,750 $2,669 6.89%
    49% 7 $2,015,000 $287,857 $3,185 6.57%
    39% 6 $1,110,000 $185,000 $1,928 7.08%
    41% 6 $1,240,000 $206,667 $2,606 6.96%
    47% 5 $1,605,000 $321,000 $3,298 6.55%
    44% 5 $2,005,000 $401,000 $3,095 6.85%
    42% 4 $590,000 $147,500 $2,447 6.91%
    37% 4 $960,000 $240,000 $2,532 6.72%
    40% 4 $2,190,000 $547,500 $3,613 6.81%
    45% 4 $1,190,000 $297,500 $3,109 6.78%
    36% 3 $755,000 $251,667 $2,767 6.63%
    50-60% 3 $1,305,000 $435,000 $1,903 7.17%
    38% 2 $360,000 $180,000 $2,383 6.06%
    >60% 1 $125,000 $125,000 $252 8.00%

    Home Bank And Trust Company lent most frequently to those with DTI ratios of 20-30%, with 37 originations. The next most common DTI ratio? 30-36%, with 22 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 121 $30,485,000 $251,942 $2,487 6.93%
    Not applicable 17 $5,825,000 $342,647 $0 7.96%
    Asian 19 $5,245,000 $276,053 $3,344 6.58%
    Black 8 $2,630,000 $328,750 $3,031 6.87%
    Not provided 4 $900,000 $225,000 $2,791 6.84%

    Approval Rates

    Total approvals of all applications
    94.92%

    Home Bank And Trust Company has an average approval rate.

    Pick Rate

    Approvals leading to origination
    89.94%

    Home Bank And Trust Company has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    8212.0 1 $255,000 $255,000
    NA 168 $44,830,000 $266,845

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    169 $45,085,000 $266,775

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 20 $2,620,000 $131,000 $1,545 7.12%
    40-60% 26 $11,860,000 $456,154 $2,721 6.95%
    60-80% 63 $18,005,000 $285,794 $3,022 6.97%
    80-100% 45 $11,785,000 $261,889 $2,977 6.81%
    Under 20% 15 $815,000 $54,333 $1,455 7.50%