Home Bank and Trust Company mortgage approval rate & lending review
Home Bank and Trust Company decided 339 mortgage applications and funded 301 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Home Bank and Trust Company reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Home Bank and Trust Company at a glance
Approval is 13.9 points above the 83.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 98% | 183 / 187 | 87% | $235K | 159 |
| Refinance | 97% | 56 / 58 | 95% | $165K | 53 |
| Investment property purchase | 95% | 38 / 40 | 95% | $145K | 36 |
| Investment refinance | 97% | 28 / 29 | 100% | $105K | 28 |
Home Bank and Trust Company lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Kansas | 97% | $235K | 335 | 298 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Home Bank and Trust Company lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Sedgwick County, KS | Mortgage lenders | 98% | 182 | 155 |
| Sedgwick County, KS | Refinance | 96% | 57 | 52 |
| Sedgwick County, KS | Investment property purchase | 95% | 39 | 35 |
| Sedgwick County, KS | Investment refinance | 96% | 28 | 27 |
The county markets where Home Bank and Trust Company made the most loans. Each link opens that market with every lender ranked.
Questions about Home Bank and Trust Company
What is Home Bank and Trust Company's mortgage approval rate?
Home Bank and Trust Company approved 97.3% of the 339 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.9 points above the 83.5% national rate for the same mix of loan types.
How often do borrowers take the loan Home Bank and Trust Company offers?
Borrowers accepted 91% of the loans Home Bank and Trust Company approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Home Bank and Trust Company make?
The typical home purchase mortgage loan Home Bank and Trust Company made was $235K; across all loan types its typical loan ran from $105K to $235K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Home Bank and Trust Company lend?
Home Bank and Trust Company decided applications in 4 of the states Fat Boy Data covers, most of them in Kansas, Missouri and Oklahoma.
Can I apply to Home Bank and Trust Company directly?
Yes. Home Bank and Trust Company is a bank or credit union with 6 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Home Bank and Trust Company's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Home Bank and Trust Company treats applications, then get a rate quote from the lender.