Home Bank And Trust Company Mortgage Rates, Fees & Info

EUREKA, KS

LEI: 549300T73HHIEIUU5F67

Tax ID: 48-0266459

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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 and Refi loans. Home Bank And Trust Company has a high proportion of conventional loans. Their top markets by origination volume include: Wichita, Kansas City, Winfield, Lawrence, and Great Bend among others. We have data for 6 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% 12/16/24
    30 Year Conventional Refi 6.23% 12/16/24
    30 Year Cash-out Refi 6.13% 12/16/24
    15 Year Conventional Purchase 5.99% 12/16/24
    15 Year Conventional Refi 5.69% 12/16/24
    15 Year Cash-out Refi 5.69% 12/16/24
    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

    225

    Origination Dollar Volume (All Markets)

    $36,985,000

    Employee count

    31

    Awards

    HOME BANK AND TRUST COMPANY 30 Year Conventional Loans silver HOME BANK AND TRUST COMPANY 30 Year Conventional Loans gold HOME BANK AND TRUST COMPANY 30 Year Conventional Loans gold
    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) 196 $32,250,000 $164,541 $2,107 4.61%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 9 $2,415,000 $268,333 $2,110 3.75%
    Outside of Metro Areas 15 $1,695,000 $113,000 $1,365 4.42%
    Winfield, KS (FHA|USDA|VA) 3 $385,000 $128,333 $2,340 3.58%
    LAWRENCE, KS (FHA|USDA|VA) 1 $135,000 $135,000 $1,415 3.68%
    Great Bend, KS (FHA|USDA|VA) 1 $105,000 $105,000 $2,200 5.25%
    Home Bank And Trust Company's top markets include Wichita, Kansas City, Winfield, Lawrence, and Great Bend among others.

    Their top states include:
  • Kansas (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.

    HOME BANK AND TRUST COMPANY
    Similarity Rank: 90
    MID AMERICAN
    Similarity Rank: 128
    SKYWARD
    Similarity Rank: 148
    PANHANDLE FEDERAL CREDIT UNION
    Similarity Rank: 212
    Wichita Federal Credit Union
    Similarity Rank: 275
    Emprise Bank
    Similarity Rank: 294
    GOLDEN PLAINS
    Similarity Rank: 304
    CREDIT UNION OF AMERICA
    Similarity Rank: 450
    HEARTLAND CREDIT UNION
    Similarity Rank: 480
    MERITRUST Federal Credit Union
    Similarity Rank: 532

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 224 $36,870,000 $164,598 $2,058 4.55%
    VA 1 $115,000 $115,000 $2,655 4.50%

    For 2019, Home Bank And Trust Company's most frequently originated type of loan was Conventional, with 224 originations. Their 2nd most popular type was VA, with 1 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 127 $19,515,000 $153,661 $2,281 4.41%
    Refi 52 $11,070,000 $212,885 $1,966 3.95%
    Cash Out Refi 33 $5,345,000 $161,970 $1,708 4.13%
    Home Improvement 8 $450,000 $56,250 $1,248 11.84%
    Other 5 $605,000 $121,000 $1,433 5.30%

    For 2019, Home Bank And Trust Company's most frequently cited loan purpose was Home Purchase, with 127 originations. The 2nd most popular reason was Refi, with 52 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 96 $20,960,000 $218,333 $2,247 3.74%
    15 Year 52 $6,680,000 $128,462 $1,818 5.35%
    Other 45 $5,635,000 $125,222 $2,258 5.18%
    20 Year 19 $2,675,000 $140,789 $1,806 4.65%
    10 Year 11 $975,000 $88,636 $976 4.99%
    5 Year 2 $60,000 $30,000 $1,450 5.13%

    For 2019, Home Bank And Trust Company's most frequently cited loan duration was 30 Year, with 96 originations. The 2nd most popular length was 15 Year, with 52 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 176 $31,160,000 $177,045
    $1k-2k 16 $3,410,000 $213,125

    Home Bank And Trust Company's average total fees were $2,247, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 176 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 109 $23,245,000 $213,257
    4-5% 54 $6,630,000 $122,778
    5-6% 52 $5,530,000 $106,346
    2.5-3% 6 $1,350,000 $225,000
    6-7% 3 $205,000 $68,333
    Over 8% 1 $25,000 $25,000

    During 2019, Home Bank And Trust Company's average interest rate for loans was 3.74%, while their most frequently originated rate bucket for loans was 3-4%, with 109 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 86 $12,100,000 $140,698 $2,208 4.10%
    $100,000 or less 73 $4,345,000 $59,521 $1,426 5.75%
    $200k-400k 54 $15,100,000 $279,630 $2,315 3.75%
    $400k-600k 12 $5,440,000 $453,333 $2,658 4.07%

    2019 saw Home Bank And Trust Company place emphasis on $100k-200k loans with 86 originations, totaling $12,100,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $75k-100k 43 $7,325,000 $170,349 $2,127 4.10%
    $50k-75k 41 $5,145,000 $125,488 $2,129 4.21%
    $100k-150k 39 $7,105,000 $182,179 $2,053 4.27%
    $50k or less 39 $3,685,000 $94,487 $1,908 6.01%
    $150k-250k 35 $8,125,000 $232,143 $2,076 3.92%
    $250k+ 19 $4,885,000 $257,105 $2,089 4.44%

    Home Bank And Trust Company lent most frequently to those with incomes in the $75k-100k range, with 43 originations. The second most popular income band? $50k-75k, with 41 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 76 $12,610,000 $165,921 $2,007 4.24%
    <20% 41 $6,605,000 $161,098 $1,939 4.00%
    30-36% 34 $5,650,000 $166,176 $2,123 4.16%
    41% 8 $1,390,000 $173,750 $2,017 4.42%
    42% 7 $1,795,000 $256,429 $2,239 3.66%
    37% 5 $885,000 $177,000 $2,338 4.95%
    36% 5 $1,055,000 $211,000 $2,064 4.48%
    38% 5 $885,000 $177,000 $1,739 4.00%
    43% 4 $900,000 $225,000 $2,802 4.59%
    40% 4 $590,000 $147,500 $2,254 3.84%
    46% 3 $995,000 $331,667 $2,565 3.88%
    39% 3 $635,000 $211,667 $2,316 3.75%
    >60% 2 $280,000 $140,000 $1,752 5.13%
    48% 2 $290,000 $145,000 $2,186 3.63%
    49% 2 $270,000 $135,000 $2,277 4.31%
    44% 1 $255,000 $255,000 $2,113 3.38%
    45% 1 $145,000 $145,000 $2,385 4.75%
    50-60% 1 $165,000 $165,000 $3,344 5.00%

    Home Bank And Trust Company lent most frequently to those with DTI ratios of 20-30%, with 76 originations. The next most common DTI ratio? <20%, with 41 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 187 $31,425,000 $168,048 $2,026 4.57%
    Asian 23 $3,925,000 $170,652 $2,250 3.98%
    Not applicable 9 $715,000 $79,444 $0 5.81%
    Black 4 $680,000 $170,000 $2,362 4.38%
    Asian Indian 1 $135,000 $135,000 $2,592 3.75%
    Not provided 1 $105,000 $105,000 $0 4.88%

    Approval Rates

    Total approvals of all applications
    99.14%

    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
    97.78%

    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
    2850.0 1 $125,000 $125,000
    3896.0 1 $345,000 $345,000
    3910.0 1 $335,000 $335,000
    NA 222 $36,180,000 $162,973

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 4 $360,000 $90,000
    Single Family (1-4 Units):Site-Built 221 $36,625,000 $165,724

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 7 $1,035,000 $147,857 $1,745 5.02%
    40-60% 28 $5,600,000 $200,000 $2,013 3.94%
    60-80% 114 $19,720,000 $172,982 $2,080 4.16%
    80-100% 62 $10,120,000 $163,226 $2,405 4.46%
    Under 20% 14 $510,000 $36,429 $664 9.07%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    HOME BANCSHARES, INC. Other type of mortgage Trouble during payment process 1 100.0%

    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 $12,455
    Home Bank and Trust Company 1409 N Greenwich Wichita, KS 67206 Full Service B&M $16,874
    Home Bank and Trust Company 201 North Kansas Avenue Severy, KS 67137 Full Service B&M $7,308
    Home Bank and Trust Company 217 North Main Street Eureka, KS 67045 Full Service B&M $35,574
    Home Bank and Trust Company 741 North Fourth Clearwater, KS 67026 Full Service B&M $19,615

    For 2019, Home Bank And Trust Company had 6 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $4,908
    Net interest income $4,081
    Total noninterest income $1,491
    Gross Fiduciary activities income $1
    Service charges on deposit accounts $226
    Trading account gains and fees $0
    Additional Noninterest Income $1,264
    Pre-tax net operating income $1,491
    Securities gains (or losses, -) $0
    Income before extraordinary items $1,437
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $1,437
    Minority interest net income $0
    Net income $1,437
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $1,437

    Home Bank And Trust Company's gross interest income from loans was $4,908,000.
    Home Bank And Trust Company's net interest income from loans was $4,081,000.
    Home Bank And Trust Company's fee based income from loans was $226,000.
    Home Bank And Trust Company's net income from loans was $1,437,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $827
    Provision for credit losses $120
    Total noninterest expense $3,961
    Salaries and employee benefits $2,315
    Premises and equipment expense $627
    Additional noninterest expense $1,019
    Applicable income taxes $54
    Net charge-offs $22
    Cash dividends $901

    Home Bank And Trust Company's interest expense for loans was $827,000.
    Home Bank And Trust Company's payroll and benefits expense were $2,315,000.
    Home Bank And Trust Company's property, plant and equipment expenses $627,000.

    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 $102,684
    Deposits held in domestic offices $102,684
    Deposits by Individuals, partnerships, and corporations $98,427
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $4,257
    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 $41,313
    Demand deposits $23,870
    Nontransaction accounts $61,371
    Money market deposit accounts (MMDAs) $7,443
    Other savings deposits (excluding MMDAs) $13,114
    Total time deposits $40,814
    Total time and savings deposits $78,814
    Noninterest-bearing deposits $23,870
    Interest-bearing deposits $78,814
    Retail deposits $92,620
    IRAs and Keogh plan accounts $2,527
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $111,659
    Cash & Balances due from depository institutions $9,077
    Interest-bearing balances $8,136
    Total securities $4,499
    Federal funds sold & reverse repurchase $2,956
    Net loans and leases $89,858
    Loan and leases loss allowance $1,113
    Trading account assets $0
    Bank premises and fixed assets $3,008
    Other real estate owned $0
    Goodwill and other intangibles $0
    All other assets $2,261

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $111,659
    Total Liabilities $103,057
    Total deposits $102,684
    Interest-bearing deposits $78,814
    Deposits held in domestic offices $102,684
    % insured (estimated) $86
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $373

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $89,858
    Loan and leases loss allowance $1,113
    Total loans and leases (domestic) $90,971
    All real estate loans $69,576
    Real estate loans in domestic offices $69,576
    Construction and development loans $5,442
    Residential 1-4 family construction $4,375
    Other construction, all land development and other land $1,067
    Loans secured by nonfarm nonresidential properties $21,468
    Nonfarm nonresidential secured by owner-occupied properties $7,703
    Commercial real estate & other non-farm, non-residential $13,765
    Multifamily residential real estate $2,278
    1-4 family residential loans $39,337
    Farmland loans $1,051
    Loans held in foreign offices $0
    Farm loans $4,656
    Commercial and industrial loans $13,115
    To non-U.S. addressees $0
    Loans to individuals $3,624
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $2,335
    Other loans to individuals $1,289
    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 $89,858,000 of loans outstanding in 2019. $69,576,000 of loans were in real estate loans. $5,442,000 of loans were in development loans. $2,278,000 of loans were in multifamily mortgage loans. $39,337,000 of loans were in 1-4 family mortgage loans. $4,656,000 of loans were in farm loans. $0 of loans were in credit card loans. $2,335,000 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 66 $21,468 $325,273
    Nonfarm, nonresidential loans - <$100k 31 $1,019 $32,871
    Nonfarm, nonresidential loans - $100-250k 10 $1,804 $180,400
    Nonfarm, nonresidential loans - $250k-1MM 25 $18,645 $745,800
    Commercial & Industrial, US addressed loans - <$1MM 146 $13,115 $89,829
    Commercial & Industrial, US addressed loans - <$100k 114 $3,801 $33,342
    Commercial & Industrial, US addressed loans - $100-250k 19 $3,115 $163,947
    Commercial & Industrial, US addressed loans - $250k-1MM 13 $6,199 $476,846
    Farmland loans - <$1MM 19 $1,051 $55,316
    Farmland loans - <$100k 19 $1,051 $55,316
    Agriculture operations loans - <$1MM 61 $4,656 $76,328
    Agriculture operations loans - <$100k 61 $4,656 $76,328