Applications / Mortgage Analytics / Lenders / Kansas / Home Bank and Trust Company
Eureka, KS · State non-member bank · FDIC · $185 million assets · 135 loans in 2025
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135
loans originated, 2025
162
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Home Bank and Trust Company, a Kansas bank that makes only purchase and refinance loans, lent less in 2025, and its place in Wichita, its largest market, slipped.
It made 135 loans, 20% fewer than in 2024. Similar lenders (state non-member banks making between half and twice as many loans) grew 9% and the whole market 10%; its change was among the lowest tenth. Its dollar total fell from $45.1 million to $30.1 million. In 2020 it made 604 loans.
It has lent in Wichita, KS, since 1996 and ranked 28 of 367 lenders there in 2025. Its share fell from 1.4% to 0.8%; Peoples Bank and Trust Company leads. Its own fall in loans could account for the drop, and a few large loans can move a share measured in dollars.
Purchases made up 68.1% of its loans and refinancing 31.9%. It made no home-improvement or other-purpose loans. Its typical loan was $195,000, against $175,000 at similar lenders. None of its loans were higher-priced (a rate well above the average for similar loans), against 3.3% at similar lenders.
Majority-minority neighborhoods took 19.3% of its loans, up from 10.1% in 2024. That compares with 5.2% at similar lenders and is more than at about three in four of them. Low- and moderate-income borrowers took 23.9%, against 27.9%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Home Bank and Trust Company took 162 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 68.1% · Refinance 31.9%
Conventional 100.0% · of 135 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Kansas | 131 | 97.0% |
| Missouri | 2 | 1.5% |
| South Carolina | 1 | 0.7% |
| Texas | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wichita | 113 |
| Kansas City | 2 |
| Myrtle Beach-Conway-North Myrtle Beach | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300T73HHIEIUU5F67 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 840251 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 34664 | 1996–2017 |
Established 4 August 1904. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: Home Bank and Trust Company's data.
Home Bank and Trust Company's data
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Home Bank and Trust Company and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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