Hilltop National Bank Mortgage Rates, Fees & Info

Casper, WY

LEI: 549300KJI3KX8KY2FG10

Tax ID: 83-0202762

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Hilltop National Bank is a smaller bank specializing in Home Purchase and Refi 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, Sheridan, Laramie, Cheyenne, and Riverton 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.

    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

    400

    Origination Dollar Volume (All Markets)

    $72,030,000

    Employee count

    135

    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) 364 $65,210,000 $179,148 $0 0.00%
    Outside of Metro Areas 24 $4,630,000 $192,917 $0 0.00%
    Sheridan, WY (FHA|USDA|VA) 3 $885,000 $295,000 $0 0.00%
    Laramie, WY (FHA|USDA|VA) 5 $755,000 $151,000 $0 0.00%
    CHEYENNE, WY (FHA|USDA|VA) 2 $310,000 $155,000 $0 0.00%
    Riverton, WY (FHA|USDA|VA) 1 $145,000 $145,000 $0 0.00%
    Gillette, WY (FHA|USDA|VA) 1 $95,000 $95,000 $0 0.00%
    Hilltop National Bank's top markets include Casper, Sheridan, Laramie, Cheyenne, and Riverton among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 337 $59,125,000 $175,445 $0 0.00%
    FHA 39 $6,875,000 $176,282 $0 0.00%
    VA 24 $6,030,000 $251,250 $0 0.00%

    For 2020, Hilltop National Bank's most frequently originated type of loan was Conventional, with 337 originations. Their 2nd most popular type was FHA, with 39 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 217 $38,455,000 $177,212 $0 0.00%
    Refi 108 $21,320,000 $197,407 $0 0.00%
    Cash Out Refi 67 $11,785,000 $175,896 $0 0.00%
    Home Improvement 5 $285,000 $57,000 $0 0.00%
    Other 3 $185,000 $61,667 $0 0.00%

    For 2020, Hilltop National Bank's most frequently cited loan purpose was Home Purchase, with 217 originations. The 2nd most popular reason was Refi, with 108 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 400 $72,030,000 $180,075 $0 0.00%

    For 2020, Hilltop National Bank's most frequently cited loan duration was Other, with 400 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 160 $24,330,000 $152,063 $0 0.00%
    $200k-400k 137 $36,285,000 $264,854 $0 0.00%
    $100,000 or less 87 $3,825,000 $43,966 $0 0.00%
    $400k-600k 16 $7,590,000 $474,375 $0 0.00%

    2020 saw Hilltop National Bank place emphasis on $100k-200k loans with 160 originations, totaling $24,330,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 114 $13,170,000 $115,526 $0 0.00%
    $50k-75k 99 $16,245,000 $164,091 $0 0.00%
    $75k-100k 65 $12,445,000 $191,462 $0 0.00%
    $100k-150k 63 $14,145,000 $224,524 $0 0.00%
    $150k-250k 36 $10,210,000 $283,611 $0 0.00%
    $250k+ 6 $2,130,000 $355,000 $0 0.00%

    Hilltop National Bank lent most frequently to those with incomes in the $50k or less range, with 114 originations. The second most popular income band? $50k-75k, with 99 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 400 $72,030,000 $180,075 $0 0.00%

    Hilltop National Bank lent most frequently to those with DTI ratios of Exempt%, with 400 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 354 $63,650,000 $179,802 $0 0.00%
    Not provided 27 $3,965,000 $146,852 $0 0.00%
    Not applicable 13 $2,915,000 $224,231 $0 0.00%
    Asian 3 $495,000 $165,000 $0 0.00%
    Black 1 $405,000 $405,000 $0 0.00%
    American Indian 1 $315,000 $315,000 $0 0.00%
    Japanese 1 $285,000 $285,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    90.39%

    Hilltop National Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    89.50%

    Hilltop National Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 400 $72,030,000 $180,075

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 7 $2,335,000 $333,571
    Single Family (1-4 Units):Manufactured 5 $545,000 $109,000
    Single Family (1-4 Units):Site-Built 388 $69,150,000 $178,222

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    HILLTOP HOLDINGS, INC Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 3 17.6%
    HILLTOP HOLDINGS, INC Conventional home mortgage Closing on a mortgage 3 17.6%
    HILLTOP HOLDINGS, INC Conventional home mortgage Incorrect information on your report 1 5.9%
    HILLTOP HOLDINGS, INC Conventional home mortgage Struggling to pay mortgage 3 17.6%
    HILLTOP HOLDINGS, INC Conventional home mortgage Trouble during payment process 4 23.5%
    HILLTOP HOLDINGS, INC FHA mortgage Applying for a mortgage or refinancing an existing mortgage 2 11.8%
    HILLTOP HOLDINGS, INC FHA mortgage Trouble during payment process 1 5.9%

    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 $51,538
    Hilltop National Bank 300 Country Club Casper, WY 82601 Full Service B&M $555,639
    Hilltop National Bank 313 South 4th Street Glenrock, WY 82637 Full Service B&M $37,251
    Hilltop National Bank 4085 Cy Avenue Casper, WY 82609 Full Service B&M $121,294
    Hilltop National Bank 449 East First Street Casper, WY 82601 Limited, Drive-thru $0

    For 2020, Hilltop National Bank had 5 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $23,315
    Net interest income $22,102
    Total noninterest income $9,532
    Gross Fiduciary activities income $3,795
    Service charges on deposit accounts $475
    Trading account gains and fees $0
    Additional Noninterest Income $5,262
    Pre-tax net operating income $9,809
    Securities gains (or losses, -) $68
    Income before extraordinary items $9,877
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $9,877
    Minority interest net income $0
    Net income $9,877
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $9,809

    Hilltop National Bank's gross interest income from loans was $23,315,000.
    Hilltop National Bank's net interest income from loans was $22,102,000.
    Hilltop National Bank's fee based income from loans was $475,000.
    Hilltop National Bank's net income from loans was $9,877,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,213
    Provision for credit losses $1,630
    Total noninterest expense $20,195
    Salaries and employee benefits $11,611
    Premises and equipment expense $2,757
    Additional noninterest expense $5,827
    Applicable income taxes $0
    Net charge-offs $407
    Cash dividends $2,725

    Hilltop National Bank's interest expense for loans was $1,213,000.
    Hilltop National Bank's payroll and benefits expense were $11,611,000.
    Hilltop National Bank's property, plant and equipment expenses $2,757,000.

    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 $818,534
    Deposits held in domestic offices $818,534
    Deposits by Individuals, partnerships, and corporations $734,651
    Deposits by U.S. Government $585
    Deposits by States and political subdivisions in the U.S. $83,298
    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 $439,858
    Demand deposits $270,277
    Nontransaction accounts $378,676
    Money market deposit accounts (MMDAs) $286,705
    Other savings deposits (excluding MMDAs) $919
    Total time deposits $91,052
    Total time and savings deposits $548,257
    Noninterest-bearing deposits $270,276
    Interest-bearing deposits $548,258
    Retail deposits $778,254
    IRAs and Keogh plan accounts $26,160
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $930,784
    Cash & Balances due from depository institutions $179,681
    Interest-bearing balances $163,911
    Total securities $382,636
    Federal funds sold & reverse repurchase $0
    Net loans and leases $350,235
    Loan and leases loss allowance $4,724
    Trading account assets $0
    Bank premises and fixed assets $4,430
    Other real estate owned $0
    Goodwill and other intangibles $0
    All other assets $13,802

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $930,784
    Total Liabilities $821,933
    Total deposits $818,534
    Interest-bearing deposits $548,258
    Deposits held in domestic offices $818,534
    % insured (estimated) $67
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $3,399

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $350,235
    Loan and leases loss allowance $4,724
    Total loans and leases (domestic) $354,959
    All real estate loans $273,873
    Real estate loans in domestic offices $273,873
    Construction and development loans $17,447
    Residential 1-4 family construction $1,622
    Other construction, all land development and other land $15,825
    Loans secured by nonfarm nonresidential properties $109,861
    Nonfarm nonresidential secured by owner-occupied properties $53,259
    Commercial real estate & other non-farm, non-residential $56,602
    Multifamily residential real estate $12,097
    1-4 family residential loans $127,420
    Farmland loans $7,048
    Loans held in foreign offices $0
    Farm loans $2,411
    Commercial and industrial loans $62,528
    To non-U.S. addressees $0
    Loans to individuals $16,013
    Credit card loans $0
    Related Plans $495
    Consumer Auto Loans $11,439
    Other loans to individuals $4,079
    All other loans & leases $1,166
    Loans to foreign governments and official institutions $0
    Other loans $36
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $8,599
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $2,697
    Non 1-4 family restructured loans & leases $2,697
    Total loans and leases (foreign) $0

    Hilltop National Bank had $350,235,000 of loans outstanding in 2020. $273,873,000 of loans were in real estate loans. $17,447,000 of loans were in development loans. $12,097,000 of loans were in multifamily mortgage loans. $127,420,000 of loans were in 1-4 family mortgage loans. $2,411,000 of loans were in farm loans. $0 of loans were in credit card loans. $11,439,000 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 148 $35,191 $237,777
    Nonfarm, nonresidential loans - <$100k 24 $1,015 $42,292
    Nonfarm, nonresidential loans - $100-250k 54 $6,157 $114,019
    Nonfarm, nonresidential loans - $250k-1MM 70 $28,019 $400,271
    Commercial & Industrial, US addressed loans - <$1MM 675 $34,237 $50,721
    Commercial & Industrial, US addressed loans - <$100k 538 $10,151 $18,868
    Commercial & Industrial, US addressed loans - $100-250k 74 $8,040 $108,649
    Commercial & Industrial, US addressed loans - $250k-1MM 63 $16,046 $254,698
    Farmland loans - <$1MM 24 $4,177 $174,042
    Farmland loans - $100-250k 14 $1,645 $117,500
    Farmland loans - $250k-1MM 10 $2,532 $253,200
    Agriculture operations loans - <$1MM 60 $2,117 $35,283
    Agriculture operations loans - <$100k 43 $906 $21,070
    Agriculture operations loans - $100-250k 11 $983 $89,364
    Agriculture operations loans - $250k-1MM 6 $228 $38,000