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, Riverton, Gillette, Sheridan, 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

292

Origination Dollar Volume (All Markets)

$55,580,000

Employee count

139

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) 272 $51,890,000 $190,772 $0 0.00%
Outside of Metro Areas 13 $1,885,000 $145,000 $0 0.00%
Riverton, WY (FHA|USDA|VA) 2 $470,000 $235,000 $0 0.00%
Gillette, WY (FHA|USDA|VA) 2 $400,000 $200,000 $0 0.00%
Sheridan, WY (FHA|USDA|VA) 1 $395,000 $395,000 $0 0.00%
CHEYENNE, WY (FHA|USDA|VA) 1 $355,000 $355,000 $0 0.00%
Laramie, WY (FHA|USDA|VA) 1 $185,000 $185,000 $0 0.00%
Hilltop National Bank's top markets include Casper, Riverton, Gillette, Sheridan, and Cheyenne among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 219 $39,585,000 $180,753 $0 0.00%
    FHA 44 $8,420,000 $191,364 $0 0.00%
    VA 26 $7,040,000 $270,769 $0 0.00%
    USDA 3 $535,000 $178,333 $0 0.00%

    For 2019, Hilltop National Bank's most frequently originated type of loan was Conventional, with 219 originations. Their 2nd most popular type was FHA, with 44 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 224 $42,700,000 $190,625 $0 0.00%
    Refi 34 $7,010,000 $206,176 $0 0.00%
    Cash Out Refi 29 $5,605,000 $193,276 $0 0.00%
    Other 4 $180,000 $45,000 $0 0.00%
    Home Improvement 1 $85,000 $85,000 $0 0.00%

    For 2019, Hilltop National Bank's most frequently cited loan purpose was Home Purchase, with 224 originations. The 2nd most popular reason was Refi, with 34 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 292 $55,580,000 $190,342 $0 0.00%

    For 2019, Hilltop National Bank's most frequently cited loan duration was Other, with 292 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 117 $32,205,000 $275,256 $0 0.00%
    $100k-200k 107 $16,715,000 $156,215 $0 0.00%
    $100,000 or less 59 $1,965,000 $33,305 $0 0.00%
    $400k-600k 7 $3,135,000 $447,857 $0 0.00%
    $600k-1MM 2 $1,560,000 $780,000 $0 0.00%

    2019 saw Hilltop National Bank place emphasis on $200k-400k loans with 117 originations, totaling $32,205,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 87 $13,125,000 $150,862 $0 0.00%
    $50k or less 66 $8,070,000 $122,273 $0 0.00%
    $100k-150k 59 $15,385,000 $260,763 $0 0.00%
    $75k-100k 51 $10,045,000 $196,961 $0 0.00%
    $150k-250k 15 $4,685,000 $312,333 $0 0.00%
    $250k+ 6 $2,770,000 $461,667 $0 0.00%

    Hilltop National Bank lent most frequently to those with incomes in the $50k-75k range, with 87 originations. The second most popular income band? $50k or less, with 66 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 292 $55,580,000 $190,342 $0 0.00%

    Hilltop National Bank lent most frequently to those with DTI ratios of Exempt%, with 292 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 271 $50,845,000 $187,620 $0 0.00%
    Not provided 5 $1,815,000 $363,000 $0 0.00%
    American Indian 7 $1,305,000 $186,429 $0 0.00%
    Not applicable 5 $835,000 $167,000 $0 0.00%
    Asian 1 $285,000 $285,000 $0 0.00%
    Other Pacific Islander 1 $235,000 $235,000 $0 0.00%
    Native Hawaiian or Islander 1 $135,000 $135,000 $0 0.00%
    Black 1 $125,000 $125,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    90.19%

    Hilltop National Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    86.64%

    Hilltop National Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 292 $55,580,000 $190,342

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 292 $55,580,000 $190,342

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Hilltop National Bank 4085 Cy Avenue Casper, WY 82609 Full Service B&M $109,982
    Hilltop National Bank 111 South Durbin Street Casper, WY 82601 Full Service B&M $43,826
    Hilltop National Bank 300 Country Club Casper, WY 82601 Full Service B&M $438,209
    Hilltop National Bank 300 Se Wyoming Blvd Casper, WY 82609 Full Service B&M $10,638
    Hilltop National Bank 313 South 4th Street Glenrock, WY 82637 Full Service B&M $40,863
    Hilltop National Bank 449 East First Street Casper, WY 82601 Limited, Drive-thru $0

    For 2019, Hilltop National Bank had 6 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $24,583
    Net interest income $22,601
    Total noninterest income $8,783
    Gross Fiduciary activities income $3,904
    Service charges on deposit accounts $535
    Trading account gains and fees $0
    Additional Noninterest Income $4,344
    Pre-tax net operating income $10,787
    Securities gains (or losses, -) $2
    Income before extraordinary items $10,789
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $10,789
    Minority interest net income $0
    Net income $10,789
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $10,787

    Hilltop National Bank's gross interest income from loans was $24,583,000.
    Hilltop National Bank's net interest income from loans was $22,601,000.
    Hilltop National Bank's fee based income from loans was $535,000.
    Hilltop National Bank's net income from loans was $10,789,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,982
    Provision for credit losses $162
    Total noninterest expense $20,435
    Salaries and employee benefits $12,075
    Premises and equipment expense $2,483
    Additional noninterest expense $5,877
    Applicable income taxes $0
    Net charge-offs $45
    Cash dividends $5,400

    Hilltop National Bank's interest expense for loans was $1,982,000.
    Hilltop National Bank's payroll and benefits expense were $12,075,000.
    Hilltop National Bank's property, plant and equipment expenses $2,483,000.

    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 $678,274
    Deposits held in domestic offices $678,274
    Deposits by Individuals, partnerships, and corporations $576,013
    Deposits by U.S. Government $585
    Deposits by States and political subdivisions in the U.S. $101,676
    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 $387,089
    Demand deposits $241,478
    Nontransaction accounts $291,185
    Money market deposit accounts (MMDAs) $203,765
    Other savings deposits (excluding MMDAs) $670
    Total time deposits $86,750
    Total time and savings deposits $436,796
    Noninterest-bearing deposits $241,478
    Interest-bearing deposits $436,796
    Retail deposits $643,993
    IRAs and Keogh plan accounts $26,328
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $778,228
    Cash & Balances due from depository institutions $102,826
    Interest-bearing balances $86,744
    Total securities $386,096
    Federal funds sold & reverse repurchase $0
    Net loans and leases $271,518
    Loan and leases loss allowance $3,501
    Trading account assets $0
    Bank premises and fixed assets $3,858
    Other real estate owned $0
    Goodwill and other intangibles $0
    All other assets $13,930

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $778,228
    Total Liabilities $681,935
    Total deposits $678,274
    Interest-bearing deposits $436,796
    Deposits held in domestic offices $678,274
    % insured (estimated) $70
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $3,661

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $271,518
    Loan and leases loss allowance $3,501
    Total loans and leases (domestic) $275,019
    All real estate loans $220,013
    Real estate loans in domestic offices $220,013
    Construction and development loans $18,557
    Residential 1-4 family construction $2,409
    Other construction, all land development and other land $16,148
    Loans secured by nonfarm nonresidential properties $85,877
    Nonfarm nonresidential secured by owner-occupied properties $49,249
    Commercial real estate & other non-farm, non-residential $36,628
    Multifamily residential real estate $3,353
    1-4 family residential loans $105,580
    Farmland loans $6,646
    Loans held in foreign offices $0
    Farm loans $3,473
    Commercial and industrial loans $33,602
    To non-U.S. addressees $0
    Loans to individuals $17,771
    Credit card loans $0
    Related Plans $587
    Consumer Auto Loans $12,805
    Other loans to individuals $4,379
    All other loans & leases $1,218
    Loans to foreign governments and official institutions $0
    Other loans $41
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $9,068
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $3,133
    Non 1-4 family restructured loans & leases $3,133
    Total loans and leases (foreign) $0

    Hilltop National Bank had $271,518,000 of loans outstanding in 2019. $220,013,000 of loans were in real estate loans. $18,557,000 of loans were in development loans. $3,353,000 of loans were in multifamily mortgage loans. $105,580,000 of loans were in 1-4 family mortgage loans. $3,473,000 of loans were in farm loans. $0 of loans were in credit card loans. $12,805,000 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 136 $31,179 $229,257
    Nonfarm, nonresidential loans - <$100k 25 $970 $38,800
    Nonfarm, nonresidential loans - $100-250k 52 $5,841 $112,327
    Nonfarm, nonresidential loans - $250k-1MM 59 $24,368 $413,017
    Commercial & Industrial, US addressed loans - <$1MM 442 $18,475 $41,799
    Commercial & Industrial, US addressed loans - <$100k 368 $6,941 $18,861
    Commercial & Industrial, US addressed loans - $100-250k 41 $3,378 $82,390
    Commercial & Industrial, US addressed loans - $250k-1MM 33 $8,156 $247,152
    Farmland loans - <$1MM 18 $3,474 $193,000
    Farmland loans - $100-250k 9 $1,212 $134,667
    Farmland loans - $250k-1MM 9 $2,262 $251,333
    Agriculture operations loans - <$1MM 63 $2,526 $40,095
    Agriculture operations loans - <$100k 47 $1,028 $21,872
    Agriculture operations loans - $100-250k 11 $951 $86,455
    Agriculture operations loans - $250k-1MM 5 $547 $109,400