Hilltop National Bank Mortgage Rates, Fees & Info
Casper, WYLEI: 549300KJI3KX8KY2FG10
Tax ID: 83-0202762
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Hilltop National Bank is a smaller bank specializing in Home Purchase and Other 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, Rapid City, Gillette, Cheyenne, and Evanston 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 an above average pick rate when compared to similar lenders.
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Originations
209Origination Dollar Volume (All Markets)
$61,685,000Top 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) | 185 | $55,805,000 | $301,649 | $0 | 0.00% |
| Outside of Metro Areas | 15 | $2,415,000 | $161,000 | $0 | 0.00% |
| RAPID CITY, SD (FHA|USDA|VA) | 1 | $1,455,000 | $1,455,000 | $0 | 0.00% |
| Gillette, WY (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $0 | 0.00% |
| CHEYENNE, WY (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $0 | 0.00% |
| Evanston, WY (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
| Laramie, WY (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 165 | $49,865,000 | $302,212 | $0 | 0.00% |
| FHA | 32 | $8,210,000 | $256,563 | $0 | 0.00% |
| VA | 12 | $3,610,000 | $300,833 | $0 | 0.00% |
For 2024, Hilltop National Bank's most frequently originated type of loan was Conventional, with 165 originations. Their 2nd most popular type was FHA, with 32 originations.
Loan Reason
For 2024, Hilltop National Bank's most frequently cited loan purpose was Home Purchase, with 162 originations. The 2nd most popular reason was Cash Out Refi, with 21 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 209 | $61,685,000 | $295,144 | $0 | 0.00% |
For 2024, Hilltop National Bank's most frequently cited loan duration was Other, with 209 originations.
Loan Sizing
2024 saw Hilltop National Bank place emphasis on $200k-400k loans with 75 originations, totaling $21,055,000 in origination value.
Applicant Income
Hilltop National Bank lent most frequently to those with incomes in the $50k-75k range, with 49 originations. The second most popular income band? $75k-100k, with 40 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 209 | $61,685,000 | $295,144 | $0 | 0.00% |
Hilltop National Bank lent most frequently to those with DTI ratios of Exempt%, with 209 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.60%
Hilltop National Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination91.39%
Hilltop National Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 209 | $61,685,000 | $295,144 |