Hnb First Bank Mortgage Rates, Fees & Info
Headland, ALLEI: 254900VH8KY0194IAU87
Tax ID: 63-0096293
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Review & Overview
Hnb First Bank is a smaller bank specializing in Home Purchase and Refi loans. Hnb First Bank has a high proportion of conventional loans. Their top markets by origination volume include: Dothan, Panama City, Ozark, Auburn, and Eufaula among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)Hnb First Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
Originations
66Origination Dollar Volume (All Markets)
$6,900,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| DOTHAN, AL (FHA|USDA|VA) | 44 | $4,800,000 | $109,091 | $0 | 0.00% |
| PANAMA CITY, FL (FHA|USDA|VA) | 6 | $830,000 | $138,333 | $0 | 0.00% |
| Outside of Metro Areas | 2 | $560,000 | $280,000 | $0 | 0.00% |
| Ozark, AL (FHA|USDA|VA) | 8 | $360,000 | $45,000 | $0 | 0.00% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 0.00% |
| Eufaula, AL-GA (FHA|USDA|VA) | 4 | $130,000 | $32,500 | $0 | 0.00% |
| Enterprise, AL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 66 | $6,900,000 | $104,545 | $0 | 0.00% |
For 2019, Hnb First Bank's most frequently originated type of loan was Conventional, with 66 originations.
Loan Reason
For 2019, Hnb First Bank's most frequently cited loan purpose was Home Purchase, with 44 originations. The 2nd most popular reason was Refi, with 15 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 66 | $6,900,000 | $104,545 | $0 | 0.00% |
For 2019, Hnb First Bank's most frequently cited loan duration was Other, with 66 originations.
Loan Sizing
2019 saw Hnb First Bank place emphasis on $100,000 or less loans with 45 originations, totaling $2,235,000 in origination value.
Applicant Income
Hnb First Bank lent most frequently to those with incomes in the $50k or less range, with 17 originations. The second most popular income band? $50k-75k, with 11 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 66 | $6,900,000 | $104,545 | $0 | 0.00% |
Hnb First Bank lent most frequently to those with DTI ratios of Exempt%, with 66 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications90.36%
Hnb First Bank has an average approval rate.
Pick Rate
Approvals leading to origination87.88%
Hnb First Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 66 | $6,900,000 | $104,545 |