Home Bank & Trust Co. Mortgage Lending & HMDA Data, 2003
In 2003, Home Bank & Trust Co. of Eureka, KS reported 95 mortgage applications totaling $5.0 million. The average application was for $53,021, and applicants reported an average income of $47,294. 81% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Wichita, KS (49) and Topeka, KS (1).
| 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 | 95 |
| Total Mortgage Loan Application Amount | $5,037,000 |
| Average Mortgage Loan Application Amount | $53,021 |
| Highest Mortgage Loan Application Amount | $344,000 |
| Average Applicant Income | $47,294 |
| Highest Applicant Income | $192,000 |
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(HMDA) records Home Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Home Bank & Trust Co. in 2003
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 (one-to-four family) | 42 | $2,445,000 | $69,000 | $344,000 | $48,500 | $131,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 42 | $2,393,000 | $33,500 | $151,000 | $66,500 | $192,000 |
| Home Improvement (one-to-four family) | 11 | $199,000 | $18,000 | $42,000 | $53,000 | $99,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 94 | $4,891,000 | $48,500 | $344,000 | $57,000 | $192,000 |
| Hispanic | 1 | $146,000 | $146,000 | $146,000 | $48,000 | $48,000 |
| Information not provided by applicant in mail or telephone application | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian or Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black | 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) | 95 | $5,037,000 | $49,000 | $344,000 | $57,000 | $192,000 |
| 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 | 77 | $4,069,000 | $49,000 | $344,000 | $60,000 | $192,000 |
| Application Denied By Financial Institution | 16 | $845,000 | $52,000 | $140,000 | $38,000 | $82,000 |
| Application Withdrawn By Applicant | 1 | $19,000 | $19,000 | $19,000 | $28,000 | $28,000 |
| Application Approved But Not Accepted | 1 | $104,000 | $104,000 | $104,000 | $48,000 | $48,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Credit History | 7 | $349,000 | $49,000 | $135,000 | $45,000 | $82,000 |
| Debt-To-Income Ratio | 4 | $252,000 | $63,000 | $140,000 | $42,000 | $56,000 |
| Other | 4 | $229,000 | $57,000 | $119,000 | $25,000 | $72,000 |
| Collateral | 1 | $15,000 | $15,000 | $15,000 | $26,000 | $26,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Home Bank & Trust Co.'s 2003 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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