Home Bank & Trust Co. Mortgage Lending & HMDA Data, 2020
In 2020, Home Bank & Trust Co. of Eureka, KS reported 630 mortgage applications totaling $128.2 million, up 172% from 2019. The average application was for $203,555, and applicants reported an average income of $135,285. 96% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Wichita, KS (559), Kansas City, MO-KS (14) and Atlanta-Sandy Springs-Roswell, GA (2) (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 | 630 |
| Total Mortgage Loan Application Amount | $128,240,000 |
| Average Mortgage Loan Application Amount | $203,555 |
| Highest Mortgage Loan Application Amount | $2,605,000 |
| Average Applicant Income | $135,285 |
| Highest Applicant Income | $2,174,000 |
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(HMDA) records Home Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 451 | $ 94,575,000 | $ 209,700 | $ 141,000 |
| Butler, Kansas | 51 | $ 12,285,000 | $ 240,882 | $ 138,000 |
| Sumner, Kansas | 50 | $ 6,540,000 | $ 130,800 | $ 87,000 |
| Greenwood, Kansas | 23 | $ 2,625,000 | $ 114,130 | $ 107,000 |
| Johnson, Kansas | 10 | $ 2,430,000 | $ 243,000 | $ 181,000 |
| Harvey, Kansas | 7 | $ 1,415,000 | $ 202,142 | $ 127,000 |
| Cowley, Kansas | 6 | $ 700,000 | $ 116,666 | $ 98,000 |
| Jackson, Missouri | 3 | $ 895,000 | $ 298,333 | $ 209,000 |
| Elk, Kansas | 2 | $ 160,000 | $ 80,000 | $ 79,000 |
| Maricopa, Arizona | 1 | $ 375,000 | $ 375,000 | $ 80,000 |
| Benton, Arkansas | 1 | $ 235,000 | $ 235,000 | $ 43,000 |
| Fulton, Arkansas | 1 | $ 385,000 | $ 385,000 | $ 146,000 |
| Gilpin, Colorado | 1 | $ 345,000 | $ 345,000 | $ 111,000 |
| Jefferson, Colorado | 1 | $ 475,000 | $ 475,000 | $ 150,000 |
| Coweta, Georgia | 1 | $ 155,000 | $ 155,000 | $ 218,000 |
| DeKalb, Georgia | 1 | $ 325,000 | $ 325,000 | $ 270,000 |
| Glynn, Georgia | 1 | $ 145,000 | $ 145,000 | $ 74,000 |
| Allen, Kansas | 1 | $ 235,000 | $ 235,000 | $ 187,000 |
| Douglas, Kansas | 1 | $ 135,000 | $ 135,000 | $ 140,000 |
| Harper, Kansas | 1 | $ 55,000 | $ 55,000 | $ 40,000 |
| Kingman, Kansas | 1 | $ 205,000 | $ 205,000 | $ 39,000 |
| Lyon, Kansas | 1 | $ 155,000 | $ 155,000 | $ 145,000 |
| Marion, Kansas | 1 | $ 355,000 | $ 355,000 | $ 84,000 |
| Morris, Kansas | 1 | $ 145,000 | $ 145,000 | $ 124,000 |
| Neosho, Kansas | 1 | $ 205,000 | $ 205,000 | $ 169,000 |
| Reno, Kansas | 1 | $ 205,000 | $ 205,000 | $ 42,000 |
| Wyandotte, Kansas | 1 | $ 55,000 | $ 55,000 | $ 125,000 |
| Beltrami, Minnesota | 1 | $ 205,000 | $ 205,000 | $ 185,000 |
| Crow Wing, Minnesota | 1 | $ 345,000 | $ 345,000 | $ 207,000 |
| Barry, Missouri | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Camden, Missouri | 1 | $ 425,000 | $ 425,000 | $ 291,000 |
| Henry, Missouri | 1 | $ 345,000 | $ 345,000 | $ 217,000 |
| Taney, Missouri | 1 | $ 165,000 | $ 165,000 | $ 134,000 |
| Canadian, Oklahoma | 1 | $ 165,000 | $ 165,000 | $ 57,000 |
| Kay, Oklahoma | 1 | $ 245,000 | $ 245,000 | $ 160,000 |
Mortgage Loan Application Detail Totals for Home Bank & Trust Co. in 2020
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 | 345 | $64,145,000 | $185,000 | $905,000 | $114,000 | $2,174,000 |
| Refinancing | 175 | $38,795,000 | $221,000 | $1,005,000 | $157,000 | $1,100,000 |
| Cash-out Refinancing | 105 | $24,355,000 | $231,000 | $2,605,000 | $162,000 | $650,000 |
| Home Improvement | 5 | $945,000 | $189,000 | $365,000 | $283,000 | $428,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 526 | $110,290,000 | $209,000 | $2,605,000 | $142,000 | $2,174,000 |
| Asian | 49 | $8,515,000 | $173,000 | $505,000 | $102,000 | $625,000 |
| Hispanic | 35 | $5,305,000 | $151,000 | $515,000 | $86,000 | $289,000 |
| Not applicable | 9 | $2,285,000 | $253,000 | $1,005,000 | $0 | $0 |
| Black or African American | 8 | $1,340,000 | $167,000 | $325,000 | $102,000 | $270,000 |
| American Indian or Alaskan Native | 2 | $390,000 | $195,000 | $225,000 | $78,000 | $100,000 |
| Not Provided | 1 | $115,000 | $115,000 | $115,000 | $76,000 | $76,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 627 | $127,805,000 | $203,000 | $2,605,000 | $135,000 | $2,174,000 |
| FHA-insured (Federal Housing Administration) | 1 | $175,000 | $175,000 | $175,000 | $67,000 | $67,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $65,000 | $65,000 | $65,000 | $58,000 | $58,000 |
| VA-guaranteed (Veterans Administration) | 1 | $195,000 | $195,000 | $195,000 | $107,000 | $107,000 |
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 | 604 | $122,740,000 | $203,000 | $2,605,000 | $136,000 | $2,174,000 |
| Application Withdrawn By Applicant | 16 | $3,430,000 | $214,000 | $545,000 | $108,000 | $200,000 |
| Application Denied By Financial Institution | 8 | $1,510,000 | $188,000 | $385,000 | $91,000 | $232,000 |
| File Closed For Incompleteness | 1 | $145,000 | $145,000 | $145,000 | $84,000 | $84,000 |
| Preapproval Denied by Financial Institution | 1 | $415,000 | $415,000 | $415,000 | $180,000 | $180,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 621 | $126,315,000 | $203,000 | $2,605,000 | $136,000 | $2,174,000 |
| Debt-To-Income Ratio | 4 | $1,080,000 | $270,000 | $415,000 | $91,000 | $180,000 |
| Other | 2 | $320,000 | $160,000 | $205,000 | $130,000 | $185,000 |
| Unverifiable Information | 1 | $75,000 | $75,000 | $75,000 | $14,000 | $14,000 |
| Employment History | 1 | $125,000 | $125,000 | $125,000 | $35,000 | $35,000 |
| Credit History | 1 | $325,000 | $325,000 | $325,000 | $232,000 | $232,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Home Bank & Trust Co.'s 2020 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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