Home Bank And Trust Company Mortgage Rates, Fees & Info

EUREKA, KS

LEI: 549300T73HHIEIUU5F67

Tax ID: 48-0266459

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)

    • 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 loans. Home Bank And Trust Company has a high proportion of conventional loans. Their top markets by origination volume include: Wichita, Kansas City, Dallas, Winfield, and Greensboro among others. We have data for 9 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.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.50% 4/14/24
    30 Year Conventional Refi 6.23% 4/14/24
    30 Year Cash-out Refi 6.13% 4/14/24
    15 Year Conventional Purchase 5.99% 4/14/24
    15 Year Conventional Refi 5.69% 4/14/24
    15 Year Cash-out Refi 5.69% 4/14/24
    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

    224

    Origination Dollar Volume (All Markets)

    $29,940,000

    Employee count

    31

    Awards

    HOME BANK AND TRUST COMPANY 30 Year Conventional Loans bronze HOME BANK AND TRUST COMPANY 30 Year Conventional Loans gold HOME BANK AND TRUST COMPANY 30 Year Conventional Loans bronze
    Show all (3) 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) 189 $26,495,000 $140,185 $2,179 4.89%
    Outside of Metro Areas 26 $2,280,000 $87,692 $1,497 4.87%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $295,000 $295,000 $2,270 4.88%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $285,000 $285,000 $1,739 4.38%
    Winfield, KS (FHA|USDA|VA) 3 $155,000 $51,667 $1,638 5.08%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $145,000 $145,000 $2,454 4.38%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $105,000 $105,000 $2,630 4.25%
    Ponca City, OK (FHA|USDA|VA) 1 $105,000 $105,000 $4,443 4.38%
    LAWRENCE, KS (FHA|USDA|VA) 1 $75,000 $75,000 $2,223 5.25%
    Home Bank And Trust Company's top markets include Wichita, Kansas City, Dallas, Winfield, and Greensboro among others.

    Their top states include:
  • Kansas (FHA|USDA|VA)
  • Arkansas (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • North Carolina (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.

    The Halstead Bank
    Similarity Rank: 64
    MID AMERICAN
    Similarity Rank: 128
    WHITE EAGLE Credit Union
    Similarity Rank: 130
    SKYWARD
    Similarity Rank: 132
    Members Mortgage Services, L.L.C.
    Similarity Rank: 165
    HOME BANK AND TRUST COMPANY
    Similarity Rank: 261
    GOLDEN PLAINS
    Similarity Rank: 324
    MERITRUST Federal Credit Union
    Similarity Rank: 330
    Emprise Bank
    Similarity Rank: 420
    Wichita Federal Credit Union
    Similarity Rank: 567

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 224 $29,940,000 $133,661 $2,117 4.88%

    For 2018, Home Bank And Trust Company's most frequently originated type of loan was Conventional, with 224 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 145 $18,175,000 $125,345 $2,386 4.86%
    Cash Out Refi 40 $5,320,000 $133,000 $1,772 4.79%
    Refi 27 $5,785,000 $214,259 $1,513 4.91%
    Home Improvement 9 $515,000 $57,222 $924 5.25%
    Other 3 $145,000 $48,333 $1,189 5.50%

    For 2018, Home Bank And Trust Company's most frequently cited loan purpose was Home Purchase, with 145 originations. The 2nd most popular reason was Cash Out Refi, with 40 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 74 $14,400,000 $194,595 $2,563 4.47%
    Other 73 $8,605,000 $117,877 $2,106 5.01%
    15 Year 45 $4,725,000 $105,000 $1,744 5.01%
    20 Year 21 $1,885,000 $89,762 $1,130 5.30%
    10 Year 8 $270,000 $33,750 $663 5.55%
    5 Year 3 $55,000 $18,333 $835 5.33%

    For 2018, Home Bank And Trust Company's most frequently cited loan duration was 30 Year, with 74 originations. The 2nd most popular length was Other, with 73 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 159 $23,635,000 $148,648
    $1k-2k 9 $1,665,000 $185,000

    Home Bank And Trust Company's average total fees were $2,563, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 159 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 139 $22,885,000 $164,640
    5-6% 70 $4,880,000 $69,714
    3-4% 13 $2,125,000 $163,462
    6-7% 2 $50,000 $25,000

    During 2018, Home Bank And Trust Company's average interest rate for loans was 4.47%, while their most frequently originated rate bucket for loans was 4-5%, with 139 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 113 $6,125,000 $54,204 $1,615 5.14%
    $100k-200k 74 $10,290,000 $139,054 $2,305 4.63%
    $200k-400k 28 $8,020,000 $286,429 $2,510 4.56%
    $400k-600k 7 $3,135,000 $447,857 $3,856 4.59%
    $1MM+ 1 $1,695,000 $1,695,000 $3,520 5.00%
    $600k-1MM 1 $675,000 $675,000 $0 4.75%

    2018 saw Home Bank And Trust Company place emphasis on $100,000 or less loans with 113 originations, totaling $6,125,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 54 $4,850,000 $89,815 $2,124 4.79%
    $100k-150k 41 $5,615,000 $136,951 $2,036 4.76%
    $50k-75k 39 $4,115,000 $105,513 $2,242 4.79%
    $150k-250k 34 $6,660,000 $195,882 $2,332 4.73%
    $75k-100k 23 $2,055,000 $89,348 $1,606 5.13%
    $250k+ 12 $5,250,000 $437,500 $2,336 4.89%

    Home Bank And Trust Company lent most frequently to those with incomes in the $50k or less range, with 54 originations. The second most popular income band? $100k-150k, with 41 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 58 $8,990,000 $155,000 $2,171 4.71%
    <20% 36 $5,200,000 $144,444 $1,834 4.78%
    30-36% 34 $4,750,000 $139,706 $2,188 4.72%
    50-60% 7 $1,005,000 $143,571 $2,494 4.77%
    38% 7 $615,000 $87,857 $2,180 4.86%
    41% 6 $620,000 $103,333 $2,109 5.10%
    36% 5 $1,265,000 $253,000 $3,075 4.58%
    44% 4 $540,000 $135,000 $1,974 4.88%
    37% 4 $460,000 $115,000 $1,791 5.25%
    45% 3 $255,000 $85,000 $1,335 5.00%
    48% 3 $335,000 $111,667 $2,335 4.63%
    39% 3 $615,000 $205,000 $2,643 4.71%
    49% 3 $585,000 $195,000 $2,201 4.63%
    43% 3 $685,000 $228,333 $1,722 4.92%
    42% 2 $370,000 $185,000 $3,043 4.75%
    40% 2 $110,000 $55,000 $2,067 4.94%
    47% 1 $345,000 $345,000 $2,620 4.50%
    46% 1 $105,000 $105,000 $2,100 4.88%
    >60% 1 $355,000 $355,000 $2,197 4.50%

    Home Bank And Trust Company lent most frequently to those with DTI ratios of 20-30%, with 58 originations. The next most common DTI ratio? <20%, with 36 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 176 $25,360,000 $144,091 $2,101 4.82%
    Asian 18 $2,110,000 $117,222 $2,270 4.67%
    Not applicable 21 $1,395,000 $66,429 $0 5.46%
    Black 6 $910,000 $151,667 $2,037 4.96%
    Not provided 3 $165,000 $55,000 $2,223 5.42%

    Approval Rates

    Total approvals of all applications
    96.58%

    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
    99.11%

    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
    NA 224 $29,940,000 $133,661

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 1 $135,000 $135,000
    Single Family (1-4 Units):Manufactured 10 $980,000 $98,000
    Single Family (1-4 Units):Site-Built 213 $28,825,000 $135,329

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 18 $1,660,000 $92,222 $1,096 5.03%
    40-60% 33 $3,955,000 $119,848 $2,054 4.84%
    60-80% 93 $14,305,000 $153,817 $2,333 4.86%
    80-100% 67 $9,495,000 $141,716 $2,462 4.76%
    Under 20% 13 $525,000 $40,385 $599 5.54%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    HOME BANCSHARES, INC. Other type of mortgage Trouble during payment process 3 75.0%
    HOME BANCSHARES, INC. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 25.0%

    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 $12,075
    Home Bank and Trust Company 1409 N Greenwich Wichita, KS 67206 Full Service B&M $17,812
    Home Bank and Trust Company 201 North Kansas Avenue Severy, KS 67137 Full Service B&M $5,441
    Home Bank and Trust Company 217 North Main Street Eureka, KS 67045 Full Service B&M $36,904
    Home Bank and Trust Company 741 North Fourth Clearwater, KS 67026 Full Service B&M $17,116

    For 2018, Home Bank And Trust Company had 6 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $4,382
    Net interest income $3,923
    Total noninterest income $1,197
    Gross Fiduciary activities income $1
    Service charges on deposit accounts $267
    Trading account gains and fees $0
    Additional Noninterest Income $929
    Pre-tax net operating income $1,246
    Securities gains (or losses, -) $0
    Income before extraordinary items $1,191
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $1,191
    Minority interest net income $0
    Net income $1,191
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $1,191

    Home Bank And Trust Company's gross interest income from loans was $4,382,000.
    Home Bank And Trust Company's net interest income from loans was $3,923,000.
    Home Bank And Trust Company's fee based income from loans was $267,000.
    Home Bank And Trust Company's net income from loans was $1,191,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $459
    Provision for credit losses $145
    Total noninterest expense $3,729
    Salaries and employee benefits $2,156
    Premises and equipment expense $613
    Additional noninterest expense $960
    Applicable income taxes $55
    Net charge-offs $12
    Cash dividends $840

    Home Bank And Trust Company's interest expense for loans was $459,000.
    Home Bank And Trust Company's payroll and benefits expense were $2,156,000.
    Home Bank And Trust Company's property, plant and equipment expenses $613,000.

    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 $88,871
    Deposits held in domestic offices $88,871
    Deposits by Individuals, partnerships, and corporations $85,297
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $3,574
    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 $40,754
    Demand deposits $22,943
    Nontransaction accounts $48,117
    Money market deposit accounts (MMDAs) $7,274
    Other savings deposits (excluding MMDAs) $11,621
    Total time deposits $29,222
    Total time and savings deposits $65,928
    Noninterest-bearing deposits $22,943
    Interest-bearing deposits $65,928
    Retail deposits $82,501
    IRAs and Keogh plan accounts $2,102
    Brokered deposits $1,007
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $104,259
    Cash & Balances due from depository institutions $4,762
    Interest-bearing balances $1,558
    Total securities $4,751
    Federal funds sold & reverse repurchase $4,193
    Net loans and leases $85,305
    Loan and leases loss allowance $1,015
    Trading account assets $0
    Bank premises and fixed assets $2,909
    Other real estate owned $0
    Goodwill and other intangibles $0
    All other assets $2,339

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $104,259
    Total Liabilities $96,223
    Total deposits $88,871
    Interest-bearing deposits $65,928
    Deposits held in domestic offices $88,871
    % insured (estimated) $87
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $7,200
    Subordinated debt $0
    All other liabilities $152

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $85,305
    Loan and leases loss allowance $1,015
    Total loans and leases (domestic) $86,320
    All real estate loans $65,708
    Real estate loans in domestic offices $65,708
    Construction and development loans $2,866
    Residential 1-4 family construction $1,949
    Other construction, all land development and other land $917
    Loans secured by nonfarm nonresidential properties $21,229
    Nonfarm nonresidential secured by owner-occupied properties $7,378
    Commercial real estate & other non-farm, non-residential $13,851
    Multifamily residential real estate $1,583
    1-4 family residential loans $38,705
    Farmland loans $1,325
    Loans held in foreign offices $0
    Farm loans $3,677
    Commercial and industrial loans $14,173
    To non-U.S. addressees $0
    Loans to individuals $2,762
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $1,836
    Other loans to individuals $926
    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 $85,305,000 of loans outstanding in 2018. $65,708,000 of loans were in real estate loans. $2,866,000 of loans were in development loans. $1,583,000 of loans were in multifamily mortgage loans. $38,705,000 of loans were in 1-4 family mortgage loans. $3,677,000 of loans were in farm loans. $0 of loans were in credit card loans. $1,836,000 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 76 $21,229 $279,329
    Nonfarm, nonresidential loans - <$100k 33 $990 $30,000
    Nonfarm, nonresidential loans - $100-250k 20 $3,489 $174,450
    Nonfarm, nonresidential loans - $250k-1MM 23 $16,750 $728,261
    Commercial & Industrial, US addressed loans - <$1MM 135 $14,173 $104,985
    Commercial & Industrial, US addressed loans - <$100k 104 $2,737 $26,317
    Commercial & Industrial, US addressed loans - $100-250k 14 $2,120 $151,429
    Commercial & Industrial, US addressed loans - $250k-1MM 17 $9,316 $548,000
    Farmland loans - <$1MM 21 $1,325 $63,095
    Farmland loans - <$100k 21 $1,325 $63,095
    Agriculture operations loans - <$1MM 72 $3,677 $51,069
    Agriculture operations loans - <$100k 72 $3,677 $51,069