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 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.) They have a low ratio of USDA loans. Their top markets by origination volume include: Wichita, Kansas City, Denver, Winfield, and Atlanta among others. We have data for 16 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

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    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

    604

    Origination Dollar Volume (All Markets)

    $122,740,000

    Employee count

    32

    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) 536 $109,990,000 $205,205 $2,271 3.88%
    Outside of Metro Areas 35 $5,255,000 $150,143 $2,021 3.58%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 13 $3,325,000 $255,769 $1,845 3.07%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 2 $820,000 $410,000 $2,343 2.63%
    Winfield, KS (FHA|USDA|VA) 6 $700,000 $116,667 $2,116 3.29%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 2 $480,000 $240,000 $2,812 2.63%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $375,000 $375,000 $2,742 2.63%
    Brainerd, MN (FHA|USDA|VA) 1 $345,000 $345,000 $2,785 3.13%
    Ponca City, OK (FHA|USDA|VA) 1 $245,000 $245,000 $3,121 3.13%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $235,000 $235,000 $1,794 2.75%
    Hutchinson, KS (FHA|USDA|VA) 1 $205,000 $205,000 $2,300 3.00%
    Branson, MO (FHA|USDA|VA) 1 $165,000 $165,000 $2,075 2.50%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $165,000 $165,000 $3,039 3.38%
    Emporia, KS (FHA|USDA|VA) 1 $155,000 $155,000 $0 4.63%
    BRUNSWICK, GA (FHA|USDA|VA) 1 $145,000 $145,000 $2,312 2.25%
    LAWRENCE, KS (FHA|USDA|VA) 1 $135,000 $135,000 $1,910 2.88%
    Home Bank And Trust Company's top markets include Wichita, Kansas City, Denver, Winfield, and Atlanta among others.

    Their top states include:
  • Kansas (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • Arkansas (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: 114
    SKYWARD
    Similarity Rank: 189
    Wichita Federal Credit Union
    Similarity Rank: 340
    HOME BANK AND TRUST COMPANY
    Similarity Rank: 432
    Central National Bank
    Similarity Rank: 540
    Intrust Bank
    Similarity Rank: 616
    Members Mortgage Services, L.L.C.
    Similarity Rank: 693
    Citizens Bank of Kansas
    Similarity Rank: 732
    CREDIT UNION OF AMERICA
    Similarity Rank: 903
    HEARTLAND CREDIT UNION
    Similarity Rank: 1159

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 601 $122,305,000 $203,502 $2,242 3.82%
    FHA 1 $175,000 $175,000 $2,665 3.75%
    VA 1 $195,000 $195,000 $7,111 4.63%
    USDA 1 $65,000 $65,000 $2,591 3.25%

    For 2020, Home Bank And Trust Company's most frequently originated type of loan was Conventional, with 601 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 327 $59,835,000 $182,982 $2,516 3.28%
    Refi 168 $37,680,000 $224,286 $1,977 5.24%
    Cash Out Refi 104 $24,280,000 $233,462 $1,955 3.21%
    Home Improvement 5 $945,000 $189,000 $1,267 3.68%

    For 2020, Home Bank And Trust Company's most frequently cited loan purpose was Home Purchase, with 327 originations. The 2nd most popular reason was Refi, with 168 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 337 $74,935,000 $222,359 $2,432 2.99%
    15 Year 149 $28,665,000 $192,383 $1,978 5.63%
    Other 68 $10,590,000 $155,735 $2,173 4.22%
    20 Year 40 $7,460,000 $186,500 $1,829 3.29%
    10 Year 8 $860,000 $107,500 $1,487 3.64%
    5 Year 1 $15,000 $15,000 $0 4.25%
    1 Year 1 $215,000 $215,000 $1,072 5.00%

    For 2020, Home Bank And Trust Company's most frequently cited loan duration was 30 Year, with 337 originations. The 2nd most popular length was 15 Year, with 149 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 551 $114,795,000 $208,339
    $1k-2k 12 $3,040,000 $253,333

    Home Bank And Trust Company's average total fees were $2,432, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 551 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 224 $49,260,000 $219,911
    3-4% 172 $33,940,000 $197,326
    <2.5% 122 $28,900,000 $236,885
    4-5% 77 $9,615,000 $124,870
    5-6% 8 $920,000 $115,000
    Over 8% 1 $105,000 $105,000

    During 2020, Home Bank And Trust Company's average interest rate for loans was 2.99%, while their most frequently originated rate bucket for loans was 2.5-3%, with 224 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 245 $36,785,000 $150,143 $2,214 4.70%
    $200k-400k 183 $49,535,000 $270,683 $2,402 2.88%
    $100,000 or less 123 $7,615,000 $61,911 $1,785 3.82%
    $400k-600k 48 $22,710,000 $473,125 $2,716 2.84%
    $600k-1MM 3 $2,485,000 $828,333 $2,908 4.04%
    $1MM+ 2 $3,610,000 $1,805,000 $5,214 4.19%

    2020 saw Home Bank And Trust Company place emphasis on $100k-200k loans with 245 originations, totaling $36,785,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 138 $30,320,000 $219,710 $2,352 3.05%
    $50k-75k 118 $17,010,000 $144,153 $2,294 3.23%
    $150k-250k 94 $23,380,000 $248,723 $2,265 2.96%
    $50k or less 94 $10,050,000 $106,915 $2,245 3.35%
    $75k-100k 89 $15,675,000 $176,124 $2,179 3.15%
    $250k+ 61 $23,995,000 $393,361 $2,050 9.61%

    Home Bank And Trust Company lent most frequently to those with incomes in the $100k-150k range, with 138 originations. The second most popular income band? $50k-75k, with 118 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 175 $34,585,000 $197,629 $2,305 3.02%
    <20% 136 $27,920,000 $205,294 $2,030 5.90%
    30-36% 93 $18,185,000 $195,538 $2,250 3.01%
    39% 22 $4,830,000 $219,545 $2,459 3.36%
    38% 20 $3,790,000 $189,500 $2,335 3.21%
    41% 19 $4,755,000 $250,263 $2,265 3.04%
    37% 16 $3,220,000 $201,250 $2,276 3.25%
    36% 15 $2,985,000 $199,000 $2,175 3.24%
    44% 13 $2,465,000 $189,615 $2,291 3.36%
    42% 12 $3,080,000 $256,667 $2,378 2.92%
    40% 9 $2,275,000 $252,778 $3,873 3.44%
    47% 8 $1,320,000 $165,000 $2,201 3.41%
    45% 7 $1,395,000 $199,286 $2,121 3.55%
    43% 6 $680,000 $113,333 $1,865 3.38%
    46% 6 $860,000 $143,333 $1,947 3.40%
    48% 6 $2,090,000 $348,333 $2,741 3.25%
    49% 4 $900,000 $225,000 $2,306 3.19%
    50-60% 3 $485,000 $161,667 $2,110 3.88%
    >60% 2 $2,720,000 $1,360,000 $3,983 4.31%

    Home Bank And Trust Company lent most frequently to those with DTI ratios of 20-30%, with 175 originations. The next most common DTI ratio? <20%, with 136 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 537 $110,375,000 $205,540 $2,242 3.89%
    Asian 47 $8,205,000 $174,574 $2,164 2.94%
    Not applicable 9 $2,285,000 $253,889 $0 4.28%
    Black 8 $1,340,000 $167,500 $3,316 3.56%
    American Indian 2 $390,000 $195,000 $2,526 2.88%
    Not provided 1 $145,000 $145,000 $3,181 4.50%

    Approval Rates

    Total approvals of all applications
    98.73%

    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
    97.35%

    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
    2366.0 1 $165,000 $165,000
    2868.0 1 $225,000 $225,000
    3043.0 1 $65,000 $65,000
    3205.0 1 $315,000 $315,000
    3941.0 1 $195,000 $195,000
    4233.44 1 $185,000 $185,000
    5335.0 1 $285,000 $285,000
    7735.3 1 $375,000 $375,000
    NA 596 $120,930,000 $202,903

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 7 $705,000 $100,714
    Single Family (1-4 Units):Site-Built 597 $122,035,000 $204,414

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 24 $3,000,000 $125,000 $1,511 3.84%
    40-60% 77 $15,385,000 $199,805 $2,060 2.97%
    60-80% 270 $59,530,000 $220,481 $2,205 3.03%
    80-100% 216 $42,850,000 $198,380 $2,543 3.25%
    Under 20% 14 $1,700,000 $121,429 $873 32.38%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    HOME BANCSHARES, INC. Conventional home mortgage Closing on a mortgage 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 $19,437
    Home Bank and Trust Company 1409 N Greenwich Wichita, KS 67206 Full Service B&M $28,652
    Home Bank and Trust Company 201 North Kansas Avenue Severy, KS 67137 Full Service B&M $7,373
    Home Bank and Trust Company 217 North Main Street Eureka, KS 67045 Full Service B&M $37,040
    Home Bank and Trust Company 741 North Fourth Clearwater, KS 67026 Full Service B&M $21,248

    For 2020, Home Bank And Trust Company had 6 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $5,060
    Net interest income $4,094
    Total noninterest income $3,165
    Gross Fiduciary activities income $1
    Service charges on deposit accounts $175
    Trading account gains and fees $0
    Additional Noninterest Income $2,989
    Pre-tax net operating income $2,341
    Securities gains (or losses, -) $0
    Income before extraordinary items $2,276
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $2,276
    Minority interest net income $0
    Net income $2,276
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $2,276

    Home Bank And Trust Company's gross interest income from loans was $5,060,000.
    Home Bank And Trust Company's net interest income from loans was $4,094,000.
    Home Bank And Trust Company's fee based income from loans was $175,000.
    Home Bank And Trust Company's net income from loans was $2,276,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $966
    Provision for credit losses $278
    Total noninterest expense $4,640
    Salaries and employee benefits $2,927
    Premises and equipment expense $653
    Additional noninterest expense $1,060
    Applicable income taxes $65
    Net charge-offs $10
    Cash dividends $1,155

    Home Bank And Trust Company's interest expense for loans was $966,000.
    Home Bank And Trust Company's payroll and benefits expense were $2,927,000.
    Home Bank And Trust Company's property, plant and equipment expenses $653,000.

    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 $133,305
    Deposits held in domestic offices $133,305
    Deposits by Individuals, partnerships, and corporations $127,297
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $6,008
    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 $54,501
    Demand deposits $34,132
    Nontransaction accounts $78,804
    Money market deposit accounts (MMDAs) $18,641
    Other savings deposits (excluding MMDAs) $16,546
    Total time deposits $43,617
    Total time and savings deposits $99,173
    Noninterest-bearing deposits $20,502
    Interest-bearing deposits $112,803
    Retail deposits $121,730
    IRAs and Keogh plan accounts $3,692
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $143,357
    Cash & Balances due from depository institutions $24,989
    Interest-bearing balances $24,004
    Total securities $4,815
    Federal funds sold & reverse repurchase $8,913
    Net loans and leases $97,730
    Loan and leases loss allowance $1,381
    Trading account assets $0
    Bank premises and fixed assets $2,933
    Other real estate owned $0
    Goodwill and other intangibles $0
    All other assets $3,977

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $143,357
    Total Liabilities $133,642
    Total deposits $133,305
    Interest-bearing deposits $112,803
    Deposits held in domestic offices $133,305
    % insured (estimated) $81
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $337

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $97,730
    Loan and leases loss allowance $1,381
    Total loans and leases (domestic) $99,111
    All real estate loans $72,516
    Real estate loans in domestic offices $72,516
    Construction and development loans $2,440
    Residential 1-4 family construction $1,621
    Other construction, all land development and other land $819
    Loans secured by nonfarm nonresidential properties $20,885
    Nonfarm nonresidential secured by owner-occupied properties $7,526
    Commercial real estate & other non-farm, non-residential $13,359
    Multifamily residential real estate $707
    1-4 family residential loans $47,094
    Farmland loans $1,390
    Loans held in foreign offices $0
    Farm loans $3,419
    Commercial and industrial loans $18,912
    To non-U.S. addressees $0
    Loans to individuals $4,264
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $2,809
    Other loans to individuals $1,455
    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 $97,730,000 of loans outstanding in 2020. $72,516,000 of loans were in real estate loans. $2,440,000 of loans were in development loans. $707,000 of loans were in multifamily mortgage loans. $47,094,000 of loans were in 1-4 family mortgage loans. $3,419,000 of loans were in farm loans. $0 of loans were in credit card loans. $2,809,000 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 61 $20,885 $342,377
    Nonfarm, nonresidential loans - <$100k 25 $839 $33,560
    Nonfarm, nonresidential loans - $100-250k 11 $1,999 $181,727
    Nonfarm, nonresidential loans - $250k-1MM 25 $18,047 $721,880
    Commercial & Industrial, US addressed loans - <$1MM 204 $18,912 $92,706
    Commercial & Industrial, US addressed loans - <$100k 160 $3,990 $24,938
    Commercial & Industrial, US addressed loans - $100-250k 27 $4,219 $156,259
    Commercial & Industrial, US addressed loans - $250k-1MM 17 $10,703 $629,588
    Farmland loans - <$1MM 23 $1,390 $60,435
    Farmland loans - <$100k 23 $1,390 $60,435
    Agriculture operations loans - <$1MM 204 $3,419 $16,760
    Agriculture operations loans - <$100k 204 $3,419 $16,760