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)

    • 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, Cape Coral, Winfield, and Houston among others. We have data for 7 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 6.50% 4/28/24
    30 Year Conventional Refi 6.23% 4/28/24
    30 Year Cash-out Refi 6.13% 4/28/24
    15 Year Conventional Purchase 5.99% 4/28/24
    15 Year Conventional Refi 5.69% 4/28/24
    15 Year Cash-out Refi 5.69% 4/28/24
    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

    192

    Origination Dollar Volume (All Markets)

    $44,050,000

    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 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) 166 $40,030,000 $241,145 $2,517 4.80%
    Outside of Metro Areas 17 $1,995,000 $117,353 $1,570 5.39%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 3 $825,000 $275,000 $1,829 4.38%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $485,000 $485,000 $5,272 5.25%
    Winfield, KS (FHA|USDA|VA) 3 $435,000 $145,000 $2,233 4.29%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $175,000 $175,000 $3,558 4.38%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $105,000 $105,000 $2,705 5.38%
    Home Bank And Trust Company's top markets include Wichita, Kansas City, Cape Coral, Winfield, and Houston among others.

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

    PANHANDLE FEDERAL CREDIT UNION
    Similarity Rank: 34
    SKYWARD
    Similarity Rank: 124
    HOME BANK AND TRUST COMPANY
    Similarity Rank: 126
    Members Mortgage Services, L.L.C.
    Similarity Rank: 198
    Intrust Bank
    Similarity Rank: 425
    MID AMERICAN
    Similarity Rank: 513
    Emprise Bank
    Similarity Rank: 551
    MERITRUST Federal Credit Union
    Similarity Rank: 555
    Wichita Federal Credit Union
    Similarity Rank: 570
    GOLDEN PLAINS
    Similarity Rank: 620

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 192 $44,050,000 $229,427 $2,444 4.84%

    For 2022, Home Bank And Trust Company's most frequently originated type of loan was Conventional, with 192 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 137 $35,495,000 $259,088 $2,823 4.84%
    Cash Out Refi 32 $3,940,000 $123,125 $1,378 4.95%
    Refi 21 $4,565,000 $217,381 $1,630 4.52%
    Home Improvement 1 $35,000 $35,000 $55 6.25%
    Other 1 $15,000 $15,000 $0 5.50%

    For 2022, Home Bank And Trust Company's most frequently cited loan purpose was Home Purchase, with 137 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
    30 Year 81 $20,745,000 $256,111 $2,648 4.48%
    Other 62 $16,310,000 $263,065 $2,614 5.10%
    15 Year 27 $2,945,000 $109,074 $1,510 5.00%
    20 Year 14 $2,960,000 $211,429 $1,520 5.39%
    10 Year 4 $130,000 $32,500 $872 5.06%
    5 Year 3 $155,000 $51,667 $2,104 4.83%
    1 Year 1 $805,000 $805,000 $0 4.00%

    For 2022, Home Bank And Trust Company's most frequently cited loan duration was 30 Year, with 81 originations. The 2nd most popular length was Other, with 62 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 125 $25,595,000 $204,760
    $1k-2k 26 $9,390,000 $361,154
    $2k-3k 1 $285,000 $285,000
    $3k-4k 1 $885,000 $885,000

    Home Bank And Trust Company's average total fees were $2,648, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 125 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 59 $14,975,000 $253,814
    4-5% 52 $12,030,000 $231,346
    3-4% 46 $9,980,000 $216,957
    6-7% 29 $5,045,000 $173,966
    2.5-3% 5 $1,895,000 $379,000
    <2.5% 1 $125,000 $125,000

    During 2022, Home Bank And Trust Company's average interest rate for loans was 4.48%, while their most frequently originated rate bucket for loans was 5-6%, with 59 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 60 $8,610,000 $143,500 $2,235 4.94%
    $100,000 or less 56 $3,750,000 $66,964 $1,671 4.97%
    $200k-400k 50 $13,600,000 $272,000 $2,972 4.63%
    $400k-600k 13 $6,205,000 $477,308 $3,101 4.14%
    $600k-1MM 9 $6,285,000 $698,333 $4,009 5.17%
    $1MM+ 4 $5,600,000 $1,400,000 $2,820 5.37%

    2022 saw Home Bank And Trust Company place emphasis on $100k-200k loans with 60 originations, totaling $8,610,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 42 $7,090,000 $168,810 $2,530 4.70%
    $50k or less 31 $2,905,000 $93,710 $2,071 4.56%
    $100k-150k 30 $6,920,000 $230,667 $2,698 4.85%
    $150k-250k 28 $6,790,000 $242,500 $2,391 4.99%
    $75k-100k 24 $3,980,000 $165,833 $2,289 4.79%
    $250k+ 23 $13,355,000 $580,652 $2,693 5.15%

    Home Bank And Trust Company lent most frequently to those with incomes in the $50k-75k range, with 42 originations. The second most popular income band? $50k or less, with 31 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 46 $11,510,000 $250,217 $2,340 4.66%
    <20% 31 $7,785,000 $251,129 $2,190 4.90%
    30-36% 27 $6,215,000 $230,185 $2,529 4.92%
    39% 7 $1,475,000 $210,714 $2,479 4.71%
    50-60% 7 $1,305,000 $186,429 $2,568 5.21%
    43% 7 $1,325,000 $189,286 $2,585 4.91%
    42% 6 $2,240,000 $373,333 $3,758 4.44%
    41% 5 $725,000 $145,000 $3,062 5.53%
    40% 5 $845,000 $169,000 $2,718 5.05%
    45% 5 $455,000 $91,000 $1,408 5.03%
    36% 4 $980,000 $245,000 $2,696 4.50%
    38% 4 $1,090,000 $272,500 $2,914 4.09%
    37% 4 $660,000 $165,000 $2,533 4.38%
    >60% 3 $1,645,000 $548,333 $2,577 5.92%
    49% 3 $715,000 $238,333 $2,538 4.38%
    48% 2 $330,000 $165,000 $2,340 5.38%
    44% 2 $260,000 $130,000 $2,190 4.38%
    47% 2 $740,000 $370,000 $2,464 3.69%
    46% 1 $165,000 $165,000 $0 4.50%

    Home Bank And Trust Company lent most frequently to those with DTI ratios of 20-30%, with 46 originations. The next most common DTI ratio? <20%, with 31 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 147 $34,095,000 $231,939 $2,345 4.84%
    Asian 26 $5,410,000 $208,077 $2,890 4.69%
    Not applicable 14 $3,010,000 $215,000 $0 5.11%
    Black 3 $1,045,000 $348,333 $2,982 4.38%
    Not provided 2 $490,000 $245,000 $2,609 5.63%

    Approval Rates

    Total approvals of all applications
    96.92%

    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
    85.94%

    Home Bank And Trust Company has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    3285.0 1 $225,000 $225,000
    5675.0 1 $335,000 $335,000
    NA 190 $43,490,000 $228,895

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    192 $44,050,000 $229,427

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 20 $2,900,000 $145,000 $1,635 4.78%
    40-60% 15 $2,415,000 $161,000 $2,501 4.98%
    60-80% 73 $17,895,000 $245,137 $2,644 4.62%
    80-100% 74 $20,060,000 $271,081 $2,740 4.93%
    Under 20% 10 $780,000 $78,000 $755 5.61%

    Complaints

    Bank Name Product Issue 2022 CPFB Complaints % of Total Issues
    Home Point Financial Corporation Conventional home mortgage Closing on a mortgage 1 20.0%
    Home Point Financial Corporation Conventional home mortgage Incorrect information on your report 1 20.0%
    Home Point Financial Corporation Conventional home mortgage Struggling to pay mortgage 1 20.0%
    Home Point Financial Corporation Conventional home mortgage Trouble during payment process 1 20.0%
    Home Point Financial Corporation VA mortgage Trouble during payment process 1 20.0%