Hnb National Bank Mortgage Rates, Fees & Info

Hannibal, MO

LEI: 549300P8K0GPRS1CUS51

Tax ID: 43-0309403

5 stars - Updated: 4/5/25 - out of 5 stars, based on 20 reviews

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

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

    • 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: St. Louis, Hannibal, St. Joseph, Kansas City, and Maryville among others. We have data for 12 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 a below 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 about average 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.

    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.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.90% 4/5/25
    30 Year Conventional Refi 6.69% 4/5/25
    30 Year Cash-out Refi 6.90% 4/5/25
    30 Year USDA Purchase 7.50% 4/5/25
    15 Year Conventional Purchase 6.41% 4/5/25
    15 Year Conventional Refi 6.37% 4/5/25
    15 Year Cash-out Refi 6.37% 4/5/25
    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






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Hnb National Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    408

    Origination Dollar Volume (All Markets)

    $83,750,000
    Show all (5) awards

    Relative Rate

    Hnb National Bank's average 30 year fixed mortgage rate was 6.98%.

    The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

    This yields a difference of 0.43%.

    Relative Fees (Closing Costs)

    Hnb National Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $1,700.

    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 $8,356.

    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
    ST. LOUIS, MO-IL (FHA|USDA|VA) 67 $26,675,000 $398,134 $2,159 7.36%
    Hannibal, MO (FHA|USDA|VA) 129 $20,755,000 $160,891 $1,278 7.16%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 98 $16,650,000 $169,898 $1,659 7.32%
    Outside of Metro Areas 68 $10,120,000 $148,824 $1,547 7.05%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 13 $2,995,000 $230,385 $2,026 6.90%
    Maryville, MO (FHA|USDA|VA) 8 $1,910,000 $238,750 $1,684 6.83%
    COLUMBIA, MO (FHA|USDA|VA) 6 $1,480,000 $246,667 $1,611 7.39%
    Quincy, IL-MO (FHA|USDA|VA) 11 $1,215,000 $110,455 $1,618 7.08%
    Mexico, MO (FHA|USDA|VA) 5 $745,000 $149,000 $1,598 7.35%
    LAWRENCE, KS (FHA|USDA|VA) 1 $655,000 $655,000 $1,221 6.63%
    JEFFERSON CITY, MO (FHA|USDA|VA) 1 $415,000 $415,000 $3,311 7.75%
    Warrensburg, MO (FHA|USDA|VA) 1 $135,000 $135,000 $1,974 5.88%
    Hnb National Bank's top markets include St. Louis, Hannibal, St. Joseph, Kansas City, and Maryville among others.

    Their top states include:
  • Missouri (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)

    • 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.

    First Bankers Trust Company
    Similarity Rank: 45
    HomeBank
    Similarity Rank: 120
    MAINSTREET FEDERAL CREDIT UNION
    Similarity Rank: 154
    ELECTRO SAVINGS CREDIT UNION
    Similarity Rank: 198
    United Bank of Union
    Similarity Rank: 200
    Bank of Hillsboro
    Similarity Rank: 225
    First National Bank of Waterloo
    Similarity Rank: 259
    VANTAGE Credit Union
    Similarity Rank: 290
    Gateway Metro Federal Credit Union
    Similarity Rank: 292
    FIRST COMMUNITY
    Similarity Rank: 312

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 405 $83,245,000 $205,543 $1,588 7.20%
    USDA 3 $505,000 $168,333 $3,167 6.83%

    For 2024, Hnb National Bank's most frequently originated type of loan was Conventional, with 405 originations. Their 2nd most popular type was USDA, with 3 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 230 $48,890,000 $212,565 $1,970 7.17%
    Refi 110 $27,880,000 $253,455 $1,206 7.16%
    Home Improvement 29 $1,945,000 $67,069 $1,156 7.56%
    Other 24 $1,730,000 $72,083 $1,145 7.51%
    Cash Out Refi 15 $3,305,000 $220,333 $1,648 6.65%

    For 2024, Hnb National Bank's most frequently cited loan purpose was Home Purchase, with 230 originations. The 2nd most popular reason was Refi, with 110 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 246 $52,480,000 $213,333 $1,700 6.98%
    20 Year 55 $9,405,000 $171,000 $1,224 7.52%
    Other 38 $9,460,000 $248,947 $1,442 7.65%
    1 Year 26 $8,150,000 $313,462 $2,191 7.78%
    15 Year 22 $3,030,000 $137,727 $1,314 7.12%
    10 Year 11 $455,000 $41,364 $949 7.49%
    5 Year 7 $325,000 $46,429 $774 7.48%
    3 Year 2 $80,000 $40,000 $397 7.25%
    30+ year 1 $365,000 $365,000 $1,488 7.50%

    For 2024, Hnb National Bank's most frequently cited loan duration was 30 Year, with 246 originations. The 2nd most popular length was 20 Year, with 55 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 264 $54,350,000 $205,871

    Hnb National Bank's average total fees were $1,700, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 264 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    7-8% 234 $43,760,000 $187,009
    6-7% 154 $37,030,000 $240,455
    5-6% 10 $1,520,000 $152,000
    Over 8% 9 $1,305,000 $145,000
    4-5% 1 $135,000 $135,000

    During 2024, Hnb National Bank's average interest rate for loans was 6.98%, while their most frequently originated rate bucket for loans was 7-8%, with 234 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 132 $7,830,000 $59,318 $1,161 7.45%
    $100k-200k 129 $18,235,000 $141,357 $1,478 7.11%
    $200k-400k 107 $29,225,000 $273,131 $1,924 7.03%
    $400k-600k 26 $12,250,000 $471,154 $2,274 7.02%
    $600k-1MM 10 $7,310,000 $731,000 $1,861 7.25%
    $1MM+ 4 $8,900,000 $2,225,000 $3,310 7.34%

    2024 saw Hnb National Bank place emphasis on $100,000 or less loans with 132 originations, totaling $7,830,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 80 $17,620,000 $220,250 $1,679 7.13%
    $50k-75k 69 $8,885,000 $128,768 $1,479 7.17%
    $75k-100k 60 $9,210,000 $153,500 $1,544 7.07%
    $150k-250k 55 $14,105,000 $256,455 $1,917 7.02%
    $50k or less 44 $3,820,000 $86,818 $1,429 7.11%
    $250k+ 31 $11,305,000 $364,677 $1,667 7.33%

    Hnb National Bank lent most frequently to those with incomes in the $100k-150k range, with 80 originations. The second most popular income band? $50k-75k, with 69 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 77 $15,545,000 $201,883 $1,674 6.93%
    30-36% 60 $11,250,000 $187,500 $1,437 7.06%
    <20% 53 $7,495,000 $141,415 $1,410 7.20%
    39% 16 $4,140,000 $258,750 $1,820 7.13%
    37% 16 $4,110,000 $256,875 $2,092 6.91%
    36% 13 $2,295,000 $176,538 $2,326 6.98%
    38% 11 $2,035,000 $185,000 $1,705 6.99%
    41% 9 $1,665,000 $185,000 $1,617 6.99%
    40% 8 $1,370,000 $171,250 $1,715 6.97%
    46% 7 $855,000 $122,143 $1,510 7.32%
    43% 7 $835,000 $119,286 $1,266 7.27%
    42% 6 $990,000 $165,000 $992 7.23%
    44% 6 $1,420,000 $236,667 $1,558 6.99%
    45% 6 $1,570,000 $261,667 $1,826 7.10%
    49% 5 $1,365,000 $273,000 $1,573 7.00%
    47% 4 $950,000 $237,500 $1,743 6.75%
    >60% 4 $830,000 $207,500 $2,092 8.06%
    48% 2 $1,150,000 $575,000 $2,020 7.19%
    50-60% 2 $600,000 $300,000 $465 7.31%

    Hnb National Bank lent most frequently to those with DTI ratios of 20-30%, with 77 originations. The next most common DTI ratio? 30-36%, with 60 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 321 $58,235,000 $181,417 $1,588 7.12%
    Not applicable 62 $17,650,000 $284,677 $0 7.61%
    Not provided 21 $5,925,000 $282,143 $1,775 7.26%
    Asian Indian 1 $1,415,000 $1,415,000 $3,310 6.85%
    Asian 2 $360,000 $180,000 $1,606 7.56%
    Black 1 $165,000 $165,000 $1,524 6.63%

    Approval Rates

    Total approvals of all applications
    93.46%

    Hnb National Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    88.48%

    Hnb National Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 1 $125,000 $125,000
    NA 407 $83,625,000 $205,467

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    408 $83,750,000 $205,270

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 51 $4,485,000 $87,941 $1,242 7.40%
    40-60% 69 $12,855,000 $186,304 $1,707 7.13%
    60-80% 136 $38,260,000 $281,324 $1,621 7.16%
    80-100% 109 $24,765,000 $227,202 $1,970 7.07%
    Under 20% 42 $3,260,000 $77,619 $901 7.54%