HOME BANK & TRUST CO.
EUREKA, KS
HOME BANK & TRUST CO. processed 197 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 169 loans with a 5.1% denial rate. Home Purchase was the primary loan purpose. Based in EUREKA, KS. The approval rate of 85.8% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.
Portfolio scale. HOME BANK & TRUST CO. processed 197 HMDA-reported mortgage applications in 2024, originating 169 loans and denying 10 for a denial rate of 5.1%. The average loan amount was $262,005 at a 6.988% average note rate, and applicants self-reported an average income of $34,000. The lender reports under LEI 549300T73HHIEIUU5F67 from EUREKA, KS.
Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. HOME BANK & TRUST CO.'s 85.8% origination rate tells you how often an application turned into funded money; the 5.1% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Insufficient cash, Credit history, Debt-to-income ratio, which together explain the majority of rejections. Most activity concentrated in Conventional loans (197 applications).
How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.
Lending Activity
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| Conventional | 197 | 169 | 10 | $262,005 |
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for HOME BANK & TRUST CO. (LEI: 549300T73HHIEIUU5F67) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Denial Analysis
Loan Purpose Breakdown
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Home Purchase | 142 | 118 | $279,789 |
| Refinancing | 49 | 45 | $237,857 |
| Cash-out Refinancing | 4 | 4 | $40,000 |
| Home Improvement | 1 | 1 | $15,000 |
| Other | 1 | 1 | $55,000 |
Geographic Coverage — Lending by Race
Derived race categories as reported under HMDA. Source: CFPB.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 142 | 84.5% | 4.9% |
| Asian | 23 | 78.3% | 13.0% |
| Black or African American | 6 | 100.0% | 0.0% |
| Joint | 4 | 100.0% | 0.0% |
Lending by Ethnicity
Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.
| Ethnicity | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| Not Hispanic or Latino | 168 | 86.3% | 4.8% |
| Hispanic or Latino | 6 | 50.0% | 33.3% |
| Joint | 2 | 50.0% | 0.0% |
Nearby Lenders in KS
Other HMDA-reporting lenders in KS with similar activity. Compare any two side-by-side.
COMMUNITYAMERICA CREDIT UNION
LENEXA, KS
LEADERONE FINANCIAL CORP.
OVERLAND PARK, KS
FARMERS BANK & TRUST
GREAT BEND, KS
Capitol Federal Savings Bank
Lawrence, KS
Armed Forces Bank, N.A.
Leavenworth, KS
Mortgage Lending Guides
Frequently Asked Questions
How many mortgage applications did HOME BANK & TRUST CO. process?
What is HOME BANK & TRUST CO.'s mortgage approval rate?
What is the average loan amount at HOME BANK & TRUST CO.?
What are the most common reasons for mortgage denial at HOME BANK & TRUST CO.?
What types of mortgage loans does HOME BANK & TRUST CO. offer?
What loan purposes does HOME BANK & TRUST CO. serve?
Where is HOME BANK & TRUST CO. located?
How does HOME BANK & TRUST CO. compare in lending across racial demographics?
Data Sources
Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.
Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.
Read our methodology — how this data is sourced, computed, and verified.