Hilltop National Bank Mortgage Rates, Fees & Info
Casper, WYLEI: 549300KJI3KX8KY2FG10
Tax ID: 83-0202762
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Mortgage Data
Review & Overview
Hilltop National Bank is a smaller bank specializing in Home Purchase loans. Hilltop National Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Casper, Riverton, Sheridan, Gillette, and Cheyenne among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)Hilltop National 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.
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Originations
141Origination Dollar Volume (All Markets)
$26,445,000Top 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 |
|---|---|---|---|---|---|
| CASPER, WY (FHA|USDA|VA) | 128 | $24,170,000 | $188,828 | $0 | 0.00% |
| Outside of Metro Areas | 5 | $755,000 | $151,000 | $0 | 0.00% |
| Riverton, WY (FHA|USDA|VA) | 4 | $440,000 | $110,000 | $0 | 0.00% |
| Sheridan, WY (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 0.00% |
| Gillette, WY (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 0.00% |
| CHEYENNE, WY (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 0.00% |
| Laramie, WY (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 103 | $16,955,000 | $164,612 | $0 | 0.00% |
| FHA | 31 | $7,075,000 | $228,226 | $0 | 0.00% |
| VA | 7 | $2,415,000 | $345,000 | $0 | 0.00% |
For 2023, Hilltop National Bank's most frequently originated type of loan was Conventional, with 103 originations. Their 2nd most popular type was FHA, with 31 originations.
Loan Reason
For 2023, Hilltop National Bank's most frequently cited loan purpose was Home Purchase, with 123 originations. The 2nd most popular reason was Home Improvement, with 6 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 141 | $26,445,000 | $187,553 | $0 | 0.00% |
For 2023, Hilltop National Bank's most frequently cited loan duration was Other, with 141 originations.
Loan Sizing
2023 saw Hilltop National Bank place emphasis on $200k-400k loans with 50 originations, totaling $13,340,000 in origination value.
Applicant Income
Hilltop National Bank lent most frequently to those with incomes in the $50k-75k range, with 47 originations. The second most popular income band? $75k-100k, with 31 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 141 | $26,445,000 | $187,553 | $0 | 0.00% |
Hilltop National Bank lent most frequently to those with DTI ratios of Exempt%, with 141 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications93.75%
Hilltop National Bank has an average approval rate.
Pick Rate
Approvals leading to origination82.98%
Hilltop National Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 141 | $26,445,000 | $187,553 |