Home Bank & Trust Co. Mortgage Lending & HMDA Data, 2025
In 2025, Home Bank & Trust Co. of Eureka, KS reported 162 mortgage applications totaling $36.4 million, down 18% from 2024. The average application was for $224,382, and applicants reported an average income of $164,055. 83% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Wichita, KS (139), Kansas City, MO-KS (2) and Myrtle Beach-Conway-North Myrtle Beach, SC-NC (1) (applications in parentheses).
| Mortgage Company & Address | Home Bank & Trust Co. 217 N. Main Eureka, KS 67045 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 162 |
| Total Mortgage Loan Application Amount | $36,350,000 |
| Average Mortgage Loan Application Amount | $224,382 |
| Highest Mortgage Loan Application Amount | $1,285,000 |
| Average Applicant Income | $164,055 |
| Highest Applicant Income | $1,020,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Home Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Sedgwick, Kansas | 110 | $ 25,560,000 | $ 232,363 | $ 172,000 |
| Butler, Kansas | 14 | $ 3,780,000 | $ 270,000 | $ 159,000 |
| Sumner, Kansas | 14 | $ 2,000,000 | $ 142,857 | $ 109,000 |
| Greenwood, Kansas | 11 | $ 1,815,000 | $ 165,000 | $ 216,000 |
| Cowley, Kansas | 4 | $ 390,000 | $ 97,500 | $ 57,000 |
| Jackson, Missouri | 2 | $ 580,000 | $ 290,000 | $ 138,000 |
| Allen, Kansas | 1 | $ 155,000 | $ 155,000 | $ 119,000 |
| Harvey, Kansas | 1 | $ 195,000 | $ 195,000 | $ 84,000 |
| Kingman, Kansas | 1 | $ 305,000 | $ 305,000 | $ 169,000 |
| Reno, Kansas | 1 | $ 25,000 | $ 25,000 | $ 95,000 |
| Wilson, Kansas | 1 | $ 185,000 | $ 185,000 | $ 65,000 |
| Horry, South Carolina | 1 | $ 1,285,000 | $ 1,285,000 | $ 0 |
| Coleman, Texas | 1 | $ 75,000 | $ 75,000 | $ 192,000 |
Mortgage Loan Application Detail Totals for Home Bank & Trust Co. in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 113 | $27,085,000 | $239,000 | $1,215,000 | $145,000 | $960,000 |
| Refinancing | 49 | $9,265,000 | $189,000 | $1,285,000 | $208,000 | $1,020,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 97 | $22,555,000 | $232,000 | $1,215,000 | $192,000 | $1,020,000 |
| Asian | 35 | $7,335,000 | $209,000 | $515,000 | $100,000 | $215,000 |
| Not applicable | 19 | $5,005,000 | $263,000 | $1,285,000 | $0 | $0 |
| Hispanic | 7 | $855,000 | $122,000 | $235,000 | $68,000 | $114,000 |
| Not Provided | 3 | $485,000 | $161,000 | $345,000 | $121,000 | $189,000 |
| Black or African American | 1 | $115,000 | $115,000 | $115,000 | $342,000 | $342,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 162 | $36,350,000 | $224,000 | $1,285,000 | $162,000 | $1,020,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 135 | $30,095,000 | $222,000 | $1,285,000 | $167,000 | $1,020,000 |
| Application Approved But Not Accepted | 23 | $6,025,000 | $261,000 | $675,000 | $153,000 | $680,000 |
| Application Denied By Financial Institution | 4 | $230,000 | $57,000 | $135,000 | $75,000 | $100,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 158 | $36,120,000 | $228,000 | $1,285,000 | $165,000 | $1,020,000 |
| Collateral | 2 | $40,000 | $20,000 | $25,000 | $69,000 | $100,000 |
| Other | 1 | $55,000 | $55,000 | $55,000 | $69,000 | $69,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $135,000 | $135,000 | $135,000 | $94,000 | $94,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Home Bank & Trust Co.'s 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Home Bank & Trust Co.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Kansas, download the full spreadsheet
with aggregated HMDA statistics today.
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