Hnb National Bank Mortgage Rates, Fees & Info
Hannibal, MOLEI: 549300P8K0GPRS1CUS51
Tax ID: 43-0309403
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Mortgage Data
Review & Overview
Hnb National Bank is a smaller bank specializing in Home Purchase and Refi loans. Hnb National Bank has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Hannibal, St. Joseph, St. Louis, Kansas City, and Maryville among others. We have data for 11 markets. (Some data included below & more in-depth data is available with an active subscription.)Hnb 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. Hnb National Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.
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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.49% | 11/17/24 |
| 30 Year Conventional Refi | 6.24% | 11/17/24 |
| 30 Year Cash-out Refi | 6.41% | 11/17/24 |
| 30 Year USDA Purchase | 6.90% | 11/17/24 |
| 15 Year Conventional Purchase | 6.01% | 11/17/24 |
| 15 Year Conventional Refi | 6.12% | 11/17/24 |
| 15 Year Cash-out Refi | 6.12% | 11/17/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Hnb National Bank Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
410Origination Dollar Volume (All Markets)
$75,520,000Awards
HNB National Bank - 2023
HNB National Bank is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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Relative Rate
Hnb National Bank's average 30 year fixed mortgage rate was
6.83%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 0.35%.
Relative Fees (Closing Costs)
Hnb National Bank's average total fees/closing costs for a 30 year fixed rate
mortgage were $1,585.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $9,089.
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 |
|---|---|---|---|---|---|
| Hannibal, MO (FHA|USDA|VA) | 152 | $25,810,000 | $169,803 | $1,198 | 6.85% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 94 | $15,620,000 | $166,170 | $1,712 | 7.02% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 50 | $12,960,000 | $259,200 | $1,391 | 7.03% |
| Outside of Metro Areas | 75 | $12,085,000 | $161,133 | $1,483 | 6.90% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 14 | $4,720,000 | $337,143 | $1,984 | 6.69% |
| Maryville, MO (FHA|USDA|VA) | 7 | $985,000 | $140,714 | $1,529 | 6.68% |
| Quincy, IL-MO (FHA|USDA|VA) | 5 | $925,000 | $185,000 | $1,816 | 7.31% |
| Mexico, MO (FHA|USDA|VA) | 5 | $855,000 | $171,000 | $1,259 | 7.28% |
| COLUMBIA, MO (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $1,547 | 6.71% |
| Branson, MO (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $0 | 6.63% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $1,459 | 7.13% |
Similar Lenders
We use machine learning to identify the top lenders compared against HNB National Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 409 | $75,405,000 | $184,364 | $1,423 | 6.92% |
| USDA | 1 | $115,000 | $115,000 | $1,820 | 6.88% |
For 2023, Hnb National Bank's most frequently originated type of loan was Conventional, with 409 originations. Their 2nd most popular type was USDA, with 1 originations.
Loan Reason
For 2023, Hnb National Bank's most frequently cited loan purpose was Home Purchase, with 231 originations. The 2nd most popular reason was Refi, with 108 originations.
Loan Duration/Length
For 2023, Hnb National Bank's most frequently cited loan duration was 30 Year, with 235 originations. The 2nd most popular length was 20 Year, with 70 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 291 | $55,875,000 | $192,010 |
Hnb National Bank's average total fees were $1,585, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 291 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 222 | $42,890,000 | $193,198 |
| 7-8% | 160 | $26,330,000 | $164,563 |
| 5-6% | 24 | $5,760,000 | $240,000 |
| Over 8% | 4 | $540,000 | $135,000 |
During 2023, Hnb National Bank's average interest rate for loans was 6.83%, while their most frequently originated rate bucket for loans was 6-7%, with 222 originations.
Loan Sizing
2023 saw Hnb National Bank place emphasis on $100,000 or less loans with 166 originations, totaling $9,480,000 in origination value.
Applicant Income
Hnb National Bank lent most frequently to those with incomes in the $100k-150k range, with 82 originations. The second most popular income band? $50k-75k, with 67 originations.
Applicant Debt to Income Ratio
Hnb National Bank lent most frequently to those with DTI ratios of 20-30%, with 92 originations. The next most common DTI ratio? 30-36%, with 70 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.51%
Hnb 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 origination90.00%
Hnb National Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 410 | $75,520,000 | $184,195 |