Home Bank and Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
86th2.5% deniedPricingmedian rate spread over APOR, weight 30%
70th0.12 ptsProcesswithdrawn + incomplete share, weight 15%
95th0.0%Closing coststotal loan costs ÷ loan amount, weight 10%
63rd1.56% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 192 | 166 | 3.1% | 3.5% | 6.50% | $29M |
| 2024 | 197 | 169 | 5.1% | 5.1% | 7.00% | $45M |
| 2025 | 162 | 135 | 2.5% | 2.5% | 6.88% | $30M |
What Home Bank and Trust lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 9 manufactured homes, 29 investment properties.
Why Home Bank and Trust denies applications
Primary reason reported for each of the 4 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Home Bank and Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 48 | 41 | 4.2% |
| $100k – $150k | 39 | 32 | 2.6% |
| $150k – $250k | 23 | 17 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 33 | 26 | 6.1% |
| 35–44 | 35 | 28 | 2.9% |
| 45–54 | 26 | 22 | 0.0% |
| 55–64 | 32 | 27 | 0.0% |
Where Home Bank and Trust lends
4 states and 13 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Kansas | 158 | 131 | 2.5% | 6.88% | #122 |
Frequently asked questions
Home Bank and Trust denied 2.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 86th percentile of small mortgage lenders.
The most common reason Home Bank and Trust gave in 2025 was "collateral", cited on 50.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Home Bank and Trust originated in 2025 was 6.88%, and its median rate spread over the average prime offer rate was 0.12 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 70% of its applications were for home purchases, 30% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.