Home Bank & Trust Co. Mortgage Lending & HMDA Data, 2023
In 2023, Home Bank & Trust Co. of Eureka, KS reported 192 mortgage applications totaling $34.1 million, down 15% from 2022. The average application was for $177,812, and applicants reported an average income of $153,635. 86% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Wichita, KS (157), Atlanta-Sandy Springs-Roswell, GA (1) and Kansas City, MO-KS (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 | 192 |
| Total Mortgage Loan Application Amount | $34,140,000 |
| Average Mortgage Loan Application Amount | $177,812 |
| Highest Mortgage Loan Application Amount | $765,000 |
| Average Applicant Income | $153,635 |
| Highest Applicant Income | $2,147,000 |
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(HMDA) records Home Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 116 | $ 22,330,000 | $ 192,500 | $ 148,000 |
| Butler, Kansas | 23 | $ 4,955,000 | $ 215,434 | $ 175,000 |
| Greenwood, Kansas | 18 | $ 1,550,000 | $ 86,111 | $ 97,000 |
| Sumner, Kansas | 15 | $ 1,655,000 | $ 110,333 | $ 82,000 |
| Cowley, Kansas | 7 | $ 905,000 | $ 129,285 | $ 63,000 |
| Harvey, Kansas | 3 | $ 675,000 | $ 225,000 | $ 152,000 |
| Harper, Kansas | 2 | $ 670,000 | $ 335,000 | $ 90,000 |
| Cobb, Georgia | 1 | $ 565,000 | $ 565,000 | $ 200,000 |
| Bourbon, Kansas | 1 | $ 155,000 | $ 155,000 | $ 32,000 |
| Dickinson, Kansas | 1 | $ 115,000 | $ 115,000 | $ 37,000 |
| Johnson, Kansas | 1 | $ 95,000 | $ 95,000 | $ 844,000 |
| Mitchell, Kansas | 1 | $ 65,000 | $ 65,000 | $ 70,000 |
| Pratt, Kansas | 1 | $ 75,000 | $ 75,000 | $ 39,000 |
| Rice, Kansas | 1 | $ 35,000 | $ 35,000 | $ 40,000 |
| Grafton, New Hampshire | 1 | $ 295,000 | $ 295,000 | $ 69,000 |
Mortgage Loan Application Detail Totals for Home Bank & Trust Co. in 2023
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 | 133 | $27,835,000 | $209,000 | $765,000 | $133,000 | $1,063,000 |
| Cash-out Refinancing | 33 | $2,845,000 | $86,000 | $245,000 | $90,000 | $235,000 |
| Refinancing | 25 | $3,455,000 | $138,000 | $735,000 | $351,000 | $2,147,000 |
| Home Improvement | 1 | $5,000 | $5,000 | $5,000 | $64,000 | $64,000 |
| 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 | 119 | $21,835,000 | $183,000 | $765,000 | $150,000 | $2,147,000 |
| Not applicable | 27 | $3,965,000 | $146,000 | $735,000 | $0 | $0 |
| Asian | 24 | $5,810,000 | $242,000 | $565,000 | $127,000 | $750,000 |
| Hispanic | 16 | $2,060,000 | $128,000 | $325,000 | $82,000 | $225,000 |
| Not Provided | 5 | $425,000 | $85,000 | $185,000 | $93,000 | $180,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 192 | $34,140,000 | $177,000 | $765,000 | $138,000 | $2,147,000 |
| 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 | 166 | $29,010,000 | $174,000 | $765,000 | $146,000 | $2,147,000 |
| Application Withdrawn By Applicant | 20 | $4,110,000 | $205,000 | $565,000 | $96,000 | $275,000 |
| Application Denied By Financial Institution | 6 | $1,020,000 | $170,000 | $355,000 | $74,000 | $152,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 186 | $33,120,000 | $178,000 | $765,000 | $140,000 | $2,147,000 |
| Employment History | 2 | $280,000 | $140,000 | $155,000 | $34,000 | $37,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $355,000 | $355,000 | $355,000 | $152,000 | $152,000 |
| Other | 1 | $135,000 | $135,000 | $135,000 | $58,000 | $58,000 |
| Credit History | 1 | $85,000 | $85,000 | $85,000 | $90,000 | $90,000 |
| Debt-To-Income Ratio | 1 | $165,000 | $165,000 | $165,000 | $78,000 | $78,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Home Bank & Trust Co.'s 2023 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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