Home Bank & Trust Co. Mortgage Lending & HMDA Data, 2015
In 2015, Home Bank & Trust Co. of Eureka, KS reported 112 mortgage applications totaling $15.0 million, up 35% from 2014. The average application was for $133,830, and applicants reported an average income of $106,080. 94% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Wichita, KS (95) and Lawrence, KS (2).
| 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 | 112 |
| Total Mortgage Loan Application Amount | $14,989,000 |
| Average Mortgage Loan Application Amount | $133,830 |
| Highest Mortgage Loan Application Amount | $1,950,000 |
| Average Applicant Income | $106,080 |
| Highest Applicant Income | $1,217,000 |
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(HMDA) records Home Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 75 | $ 11,719,000 | $ 156,253 | $ 125,000 |
| Butler, Kansas | 16 | $ 1,852,000 | $ 115,750 | $ 84,000 |
| Greenwood, Kansas | 13 | $ 627,000 | $ 48,230 | $ 55,000 |
| Harvey, Kansas | 3 | $ 443,000 | $ 147,666 | $ 18,000 |
| Douglas, Kansas | 2 | $ 171,000 | $ 85,500 | $ 65,000 |
| Cowley, Kansas | 1 | $ 47,000 | $ 47,000 | $ 83,000 |
| Reno, Kansas | 1 | $ 36,000 | $ 36,000 | $ 100,000 |
| Sumner, Kansas | 1 | $ 94,000 | $ 94,000 | $ 84,000 |
Mortgage Loan Application Detail Totals for Home Bank & Trust Co. in 2015
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 | 65 | $10,029,000 | $154,000 | $1,950,000 | $130,000 | $1,217,000 |
| Refinancing | 47 | $4,960,000 | $105,000 | $417,000 | $73,000 | $282,000 |
| 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 | 93 | $11,094,000 | $119,000 | $1,023,000 | $122,000 | $1,217,000 |
| Not applicable | 10 | $3,328,000 | $332,000 | $1,950,000 | $0 | $0 |
| Hispanic | 7 | $389,000 | $55,000 | $100,000 | $46,000 | $73,000 |
| Asian | 1 | $52,000 | $52,000 | $52,000 | $100,000 | $100,000 |
| Black or African American | 1 | $126,000 | $126,000 | $126,000 | $92,000 | $92,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 112 | $14,989,000 | $133,000 | $1,950,000 | $106,000 | $1,217,000 |
| 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 | 105 | $14,312,000 | $136,000 | $1,950,000 | $108,000 | $1,217,000 |
| Application Withdrawn By Applicant | 6 | $642,000 | $107,000 | $172,000 | $90,000 | $212,000 |
| Application Denied By Financial Institution | 1 | $35,000 | $35,000 | $35,000 | $45,000 | $45,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Collateral | 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 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Home Bank & Trust Co.'s 2015 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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