Hilltop National Bank Mortgage Rates, Fees & Info

Casper, WY

LEI: 549300KJI3KX8KY2FG10

Tax ID: 83-0202762

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Mortgage Data

Bank 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. They have a low ratio of USDA loans. Their top markets by origination volume include: Casper, Sheridan, and Laramie among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)

Hilltop National Bank has an average approval rate when compared to the average across all lenders. They have an average pick rate when compared to similar lenders.

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Originations

225

Origination Dollar Volume (All Markets)

$36,245,000

Employee count

137

Top 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) 198 $32,620,000 $164,747 $0 0.00%
Outside of Metro Areas 22 $3,060,000 $139,091 $0 0.00%
Sheridan, WY (FHA|USDA|VA) 3 $325,000 $108,333 $0 0.00%
Laramie, WY (FHA|USDA|VA) 2 $240,000 $120,000 $0 0.00%
Hilltop National Bank's top markets include Casper, Sheridan, and Laramie among others.

Their top states include:
  • Wyoming (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 169 $25,545,000 $151,154 $0 0.00%
    FHA 42 $7,540,000 $179,524 $0 0.00%
    VA 8 $2,070,000 $258,750 $0 0.00%
    USDA 6 $1,090,000 $181,667 $0 0.00%

    For 2018, Hilltop National Bank's most frequently originated type of loan was Conventional, with 169 originations. Their 2nd most popular type was FHA, with 42 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 174 $28,970,000 $166,494 $0 0.00%
    Cash Out Refi 24 $4,120,000 $171,667 $0 0.00%
    Refi 18 $2,810,000 $156,111 $0 0.00%
    Other 5 $165,000 $33,000 $0 0.00%
    Home Improvement 4 $180,000 $45,000 $0 0.00%

    For 2018, Hilltop National Bank's most frequently cited loan purpose was Home Purchase, with 174 originations. The 2nd most popular reason was Cash Out Refi, with 24 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 225 $36,245,000 $161,089 $0 0.00%

    For 2018, Hilltop National Bank's most frequently cited loan duration was Other, with 225 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 87 $13,355,000 $153,506 $0 0.00%
    $100,000 or less 69 $2,545,000 $36,884 $0 0.00%
    $200k-400k 59 $15,415,000 $261,271 $0 0.00%
    $400k-600k 8 $3,560,000 $445,000 $0 0.00%
    $600k-1MM 2 $1,370,000 $685,000 $0 0.00%

    2018 saw Hilltop National Bank place emphasis on $100k-200k loans with 87 originations, totaling $13,355,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 71 $7,235,000 $101,901 $0 0.00%
    $50k-75k 68 $9,570,000 $140,735 $0 0.00%
    $75k-100k 42 $7,680,000 $182,857 $0 0.00%
    $100k-150k 25 $5,285,000 $211,400 $0 0.00%
    $150k-250k 8 $2,040,000 $255,000 $0 0.00%
    $250k+ 7 $2,525,000 $360,714 $0 0.00%

    Hilltop National Bank lent most frequently to those with incomes in the $50k or less range, with 71 originations. The second most popular income band? $50k-75k, with 68 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 225 $36,245,000 $161,089 $0 0.00%

    Hilltop National Bank lent most frequently to those with DTI ratios of Exempt%, with 225 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 211 $32,565,000 $154,336 $0 0.00%
    Not applicable 4 $1,910,000 $477,500 $0 0.00%
    Not provided 3 $865,000 $288,333 $0 0.00%
    American Indian 6 $770,000 $128,333 $0 0.00%
    Asian 1 $135,000 $135,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    89.13%

    Hilltop National Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    90.67%

    Hilltop National Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 225 $36,245,000 $161,089

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 2 $1,140,000 $570,000
    Single Family (1-4 Units):Manufactured 3 $365,000 $121,667
    Single Family (1-4 Units):Site-Built 220 $34,740,000 $157,909

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Hilltop National Bank 111 South Durbin Street Casper, WY 82601 Full Service B&M $25,880
    Hilltop National Bank 300 Country Club Casper, WY 82601 Full Service B&M $435,980
    Hilltop National Bank 300 Se Wyoming Blvd Casper, WY 82609 Full Service B&M $9,884
    Hilltop National Bank 313 South 4th Street Glenrock, WY 82637 Full Service B&M $39,992
    Hilltop National Bank 4085 Cy Avenue Casper, WY 82609 Full Service B&M $111,540
    Hilltop National Bank 449 East First Street Casper, WY 82601 Limited, Drive-thru $0

    For 2018, Hilltop National Bank had 6 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $22,003
    Net interest income $20,584
    Total noninterest income $7,780
    Gross Fiduciary activities income $3,399
    Service charges on deposit accounts $580
    Trading account gains and fees $0
    Additional Noninterest Income $3,801
    Pre-tax net operating income $9,526
    Securities gains (or losses, -) $-81
    Income before extraordinary items $9,445
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $9,445
    Minority interest net income $0
    Net income $9,445
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $9,526

    Hilltop National Bank's gross interest income from loans was $22,003,000.
    Hilltop National Bank's net interest income from loans was $20,584,000.
    Hilltop National Bank's fee based income from loans was $580,000.
    Hilltop National Bank's net income from loans was $9,445,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,419
    Provision for credit losses $80
    Total noninterest expense $18,758
    Salaries and employee benefits $11,222
    Premises and equipment expense $2,444
    Additional noninterest expense $5,092
    Applicable income taxes $0
    Net charge-offs $60
    Cash dividends $4,950

    Hilltop National Bank's interest expense for loans was $1,419,000.
    Hilltop National Bank's payroll and benefits expense were $11,222,000.
    Hilltop National Bank's property, plant and equipment expenses $2,444,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $724,573
    Deposits held in domestic offices $724,573
    Deposits by Individuals, partnerships, and corporations $677,076
    Deposits by U.S. Government $614
    Deposits by States and political subdivisions in the U.S. $46,883
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $350,631
    Demand deposits $208,545
    Nontransaction accounts $373,942
    Money market deposit accounts (MMDAs) $287,078
    Other savings deposits (excluding MMDAs) $653
    Total time deposits $86,212
    Total time and savings deposits $516,028
    Noninterest-bearing deposits $208,545
    Interest-bearing deposits $516,028
    Retail deposits $691,252
    IRAs and Keogh plan accounts $25,832
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $809,986
    Cash & Balances due from depository institutions $142,342
    Interest-bearing balances $127,098
    Total securities $387,442
    Federal funds sold & reverse repurchase $0
    Net loans and leases $262,686
    Loan and leases loss allowance $3,384
    Trading account assets $0
    Bank premises and fixed assets $3,763
    Other real estate owned $0
    Goodwill and other intangibles $0
    All other assets $13,753

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $809,986
    Total Liabilities $728,787
    Total deposits $724,573
    Interest-bearing deposits $516,028
    Deposits held in domestic offices $724,573
    % insured (estimated) $65
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $4,214

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $262,686
    Loan and leases loss allowance $3,384
    Total loans and leases (domestic) $266,070
    All real estate loans $214,897
    Real estate loans in domestic offices $214,897
    Construction and development loans $20,192
    Residential 1-4 family construction $584
    Other construction, all land development and other land $19,608
    Loans secured by nonfarm nonresidential properties $87,642
    Nonfarm nonresidential secured by owner-occupied properties $50,397
    Commercial real estate & other non-farm, non-residential $37,245
    Multifamily residential real estate $2,880
    1-4 family residential loans $99,287
    Farmland loans $4,896
    Loans held in foreign offices $0
    Farm loans $3,811
    Commercial and industrial loans $27,791
    To non-U.S. addressees $0
    Loans to individuals $18,470
    Credit card loans $0
    Related Plans $657
    Consumer Auto Loans $14,618
    Other loans to individuals $3,195
    All other loans & leases $2,051
    Loans to foreign governments and official institutions $0
    Other loans $35
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $1,662
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $3,866
    Non 1-4 family restructured loans & leases $3,866
    Total loans and leases (foreign) $0

    Hilltop National Bank had $262,686,000 of loans outstanding in 2018. $214,897,000 of loans were in real estate loans. $20,192,000 of loans were in development loans. $2,880,000 of loans were in multifamily mortgage loans. $99,287,000 of loans were in 1-4 family mortgage loans. $3,811,000 of loans were in farm loans. $0 of loans were in credit card loans. $14,618,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 135 $29,155 $215,963
    Nonfarm, nonresidential loans - <$100k 27 $1,093 $40,481
    Nonfarm, nonresidential loans - $100-250k 55 $5,667 $103,036
    Nonfarm, nonresidential loans - $250k-1MM 53 $22,395 $422,547
    Commercial & Industrial, US addressed loans - <$1MM 441 $20,675 $46,882
    Commercial & Industrial, US addressed loans - <$100k 370 $6,863 $18,549
    Commercial & Industrial, US addressed loans - $100-250k 42 $3,637 $86,595
    Commercial & Industrial, US addressed loans - $250k-1MM 29 $10,175 $350,862
    Farmland loans - <$1MM 16 $3,040 $190,000
    Farmland loans - <$100k 1 $7 $7,000
    Farmland loans - $100-250k 7 $1,021 $145,857
    Farmland loans - $250k-1MM 8 $2,012 $251,500
    Agriculture operations loans - <$1MM 70 $3,495 $49,929
    Agriculture operations loans - <$100k 47 $889 $18,915
    Agriculture operations loans - $100-250k 17 $1,290 $75,882
    Agriculture operations loans - $250k-1MM 6 $1,316 $219,333