# Home Bank and Trust Company

> **Canonical URL:** https://saferate.com/lenders/home-bank-and-trust


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Home Bank and Trust Company is a bank, headquartered in Eureka, KS, serving borrowers across 3 states, with 123 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 33% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 29% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300T73HHIEIUU5F67
- **Headquarters:** Eureka, KS
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** KS, OK, TX
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 67/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 71/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.038%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $827
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 123
- **Dollar Volume:** $36 million
- **Applications Received:** 149
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $296,220
- **Average Borrower Income:** $180,244
- **Average Property Value:** $468,496

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 48/100 | 118 | +0.043% | $813 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 94 loans, Score: 46/100 (Sound)
- Refinance: 24 loans, Score: 47/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 45/100 | 99 | $31M | +0.034% | Sound ☺️ |
| Refinance | 45/100 | 24 | $5M | +0.055% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| KS | 121 | 0.40% | 79/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Wichita, KS | KS | 105 | 80/100 |
| Non |  | 15 | 30/100 |

## Where This Lender Ranks

Home Bank and Trust Company appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Wichita, KS for Jumbo Loans
  - [View Full Rankings](https://saferate.com/wichita-ks/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Wichita, KS for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/wichita-ks/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#4** in Wichita, KS for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/wichita-ks/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#5** in Wichita, KS Banks
  - [View Full Rankings](https://saferate.com/wichita-ks/best-mortgage-lenders/banks)
- 🏆 **#6** in Wichita, KS
  - [View Full Rankings](https://saferate.com/wichita-ks/best-mortgage-lenders)
- 🏆 **#9** in Wichita, KS for Conventional Loans
  - [View Full Rankings](https://saferate.com/wichita-ks/best-mortgage-lenders/conventional-loans)
- 🏆 **#11** in Kansas for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#13** in Kansas Banks
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/banks)
- 🏆 **#14** in Kansas for Jumbo Loans
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/jumbo-loans)
- 🏆 **#18** in Kansas
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does Home Bank and Trust Company offer?

Home Bank and Trust Company offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Home Bank and Trust Company offer mortgages?

Home Bank and Trust Company offers mortgages in 3 states: KS, OK, TX.

### How competitive are Home Bank and Trust Company's mortgage rates?

Home Bank and Trust Company has a pricing score of 67/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.038% above market average.

### What type of lender is Home Bank and Trust Company?

Home Bank and Trust Company is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Eureka, KS.

### What is Home Bank and Trust Company's loan approval success rate?

Home Bank and Trust Company has a pull-through score of 71/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/home-bank-and-trust

### How to Cite

> "Home Bank and Trust Company Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/home-bank-and-trust

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