Home Bank And Trust Company Mortgage Rates, Fees & Info

EUREKA, KS

LEI: 549300T73HHIEIUU5F67

Tax ID: 48-0266459

5 stars - Updated: 11/17/24 - out of 5 stars, based on 13 reviews

Latest/2023 | 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 loans. Home Bank And Trust Company has a high proportion of conventional loans. Their top markets by origination volume include: Wichita, Winfield, and Kansas City among others. We have data for 4 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 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 6.50% 11/17/24
    30 Year Conventional Refi 6.23% 11/17/24
    30 Year Cash-out Refi 6.13% 11/17/24
    15 Year Conventional Purchase 5.99% 11/17/24
    15 Year Conventional Refi 5.69% 11/17/24
    15 Year Cash-out Refi 5.69% 11/17/24
    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.

    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

    166

    Origination Dollar Volume (All Markets)

    $29,010,000

    Awards

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

    Relative Rate

    Home Bank And Trust Company's average 30 year fixed mortgage rate was 6.38%.

    The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

    This yields a difference of -0.1%.

    Relative Fees (Closing Costs)

    Home Bank And Trust Company's average total fees/closing costs for a 30 year fixed rate mortgage were $2,880.

    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 $9,089.

    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) 139 $25,945,000 $186,655 $2,564 6.71%
    Outside of Metro Areas 20 $2,200,000 $110,000 $1,635 6.85%
    Winfield, KS (FHA|USDA|VA) 6 $770,000 $128,333 $2,243 6.71%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $95,000 $95,000 $55 6.25%
    Home Bank And Trust Company's top markets include Wichita, Winfield, and Kansas City among others.

    Their top states include:
  • Kansas (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.

    PANHANDLE FEDERAL CREDIT UNION
    Similarity Rank: 6
    HOME BANK AND TRUST COMPANY
    Similarity Rank: 60
    GOLDEN PLAINS
    Similarity Rank: 176
    Intrust Bank
    Similarity Rank: 315
    MID AMERICAN
    Similarity Rank: 341
    Emprise Bank
    Similarity Rank: 361
    Wichita Federal Credit Union
    Similarity Rank: 413
    MERITRUST Federal Credit Union
    Similarity Rank: 494
    Members Mortgage Services, L.L.C.
    Similarity Rank: 551
    CREDIT UNION OF AMERICA
    Similarity Rank: 768

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 166 $29,010,000 $174,759 $2,418 6.72%

    For 2023, Home Bank And Trust Company's most frequently originated type of loan was Conventional, with 166 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 109 $23,035,000 $211,330 $2,769 6.67%
    Cash Out Refi 32 $2,600,000 $81,250 $1,647 6.76%
    Refi 24 $3,370,000 $140,417 $745 6.93%
    Home Improvement 1 $5,000 $5,000 $0 6.50%

    For 2023, Home Bank And Trust Company's most frequently cited loan purpose was Home Purchase, with 109 originations. The 2nd most popular reason was Cash Out Refi, with 32 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 53 $11,105,000 $209,528 $2,562 6.62%
    30 Year 48 $10,900,000 $227,083 $2,880 6.38%
    20 Year 35 $4,195,000 $119,857 $1,382 7.15%
    15 Year 20 $1,250,000 $62,500 $1,038 6.77%
    10 Year 7 $925,000 $132,143 $770 7.43%
    5 Year 3 $635,000 $211,667 $1,235 7.08%

    For 2023, Home Bank And Trust Company's most frequently cited loan duration was Other, with 53 originations. The 2nd most popular length was 30 Year, with 48 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 90 $15,770,000 $175,222
    $1k-2k 20 $4,730,000 $236,500
    $2k-3k 1 $275,000 $275,000

    Home Bank And Trust Company's average total fees were $2,880, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 90 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 107 $21,135,000 $197,523
    7-8% 42 $5,290,000 $125,952
    5-6% 16 $2,460,000 $153,750
    Over 8% 1 $125,000 $125,000

    During 2023, Home Bank And Trust Company's average interest rate for loans was 6.38%, while their most frequently originated rate bucket for loans was 6-7%, with 107 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 63 $3,605,000 $57,222 $1,502 6.79%
    $100k-200k 56 $7,870,000 $140,536 $2,687 6.69%
    $200k-400k 31 $8,655,000 $279,194 $2,916 6.73%
    $400k-600k 10 $4,850,000 $485,000 $3,132 6.49%
    $600k-1MM 6 $4,030,000 $671,667 $3,741 6.71%

    2023 saw Home Bank And Trust Company place emphasis on $100,000 or less loans with 63 originations, totaling $3,605,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 35 $4,105,000 $117,286 $2,216 6.59%
    $50k or less 27 $2,145,000 $79,444 $2,059 6.39%
    $75k-100k 25 $3,985,000 $159,400 $2,359 6.67%
    $100k-150k 24 $5,560,000 $231,667 $2,851 6.68%
    $150k-250k 16 $3,910,000 $244,375 $2,926 6.77%
    $250k+ 12 $5,340,000 $445,000 $2,588 6.82%

    Home Bank And Trust Company lent most frequently to those with incomes in the $50k-75k range, with 35 originations. The second most popular income band? $50k or less, with 27 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 28 $6,040,000 $215,714 $2,582 6.48%
    20-30% 22 $2,980,000 $135,455 $2,258 6.63%
    <20% 21 $2,685,000 $127,857 $1,723 6.61%
    44% 8 $1,870,000 $233,750 $2,910 6.51%
    43% 6 $950,000 $158,333 $3,127 6.50%
    40% 6 $1,250,000 $208,333 $2,640 6.27%
    50-60% 5 $805,000 $161,000 $2,943 6.80%
    41% 5 $345,000 $69,000 $1,617 6.33%
    38% 5 $1,385,000 $277,000 $3,240 6.40%
    36% 4 $760,000 $190,000 $2,795 6.53%
    46% 3 $495,000 $165,000 $2,578 6.50%
    39% 3 $395,000 $131,667 $2,695 7.00%
    47% 3 $495,000 $165,000 $2,491 6.71%
    42% 2 $460,000 $230,000 $469 6.13%
    48% 2 $350,000 $175,000 $2,615 6.25%
    49% 2 $970,000 $485,000 $3,078 6.50%
    37% 1 $275,000 $275,000 $0 6.50%
    >60% 1 $125,000 $125,000 $3,004 6.50%

    Home Bank And Trust Company lent most frequently to those with DTI ratios of 30-36%, with 28 originations. The next most common DTI ratio? 20-30%, with 22 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 110 $19,360,000 $176,000 $2,337 6.61%
    Asian 21 $5,105,000 $243,095 $2,992 6.56%
    Not applicable 27 $3,965,000 $146,852 $0 7.25%
    Not provided 6 $470,000 $78,333 $1,730 6.63%
    Other Asian 2 $110,000 $55,000 $0 7.63%

    Approval Rates

    Total approvals of all applications
    96.88%

    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
    87.95%

    Home Bank And Trust Company has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    3374.38 1 $315,000 $315,000
    4096.6 1 $275,000 $275,000
    NA 164 $28,420,000 $173,293

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    166 $29,010,000 $174,759

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 12 $1,070,000 $89,167 $1,737 6.69%
    40-60% 19 $2,755,000 $145,000 $2,365 6.74%
    60-80% 59 $14,025,000 $237,712 $2,672 6.79%
    80-100% 62 $10,220,000 $164,839 $2,721 6.65%
    Under 20% 14 $940,000 $67,143 $893 6.77%