Hnb National Bank Mortgage Rates, Fees & InfoHannibal, MO
Tax ID: 43-0309403
Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Review & OverviewHnb National Bank is a smaller bank specializing in Home Purchase and Refi loans. Hnb National Bank has a high proportion of conventional loans. Their top markets by origination volume include: Hannibal, St. Joseph, Quincy, St. Louis, and Kansas City among others. We have data for 14 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.
|Simulated Rate||Simulation Date|
|30 Year Conventional Purchase||6.49%||3/29/23|
|30 Year Conventional Refi||6.24%||3/29/23|
|30 Year Cash-out Refi||6.41%||3/29/23|
|30 Year USDA Purchase||6.90%||3/29/23|
|15 Year Conventional Purchase||6.01%||3/29/23|
|15 Year Conventional Refi||6.12%||3/29/23|
|15 Year Cash-out Refi||6.12%||3/29/23|
|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.|
Origination Dollar Volume (All Markets)$92,690,000
Hnb National Bank's average 30 year fixed mortgage rate was
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of 0.29%.
Relative Fees (Closing Costs)
Hnb National Bank's average total fees/closing costs for a 30 year fixed rate
mortgage were $1,459.
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 $4,750.
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)||178||$27,930,000||$156,910||$1,170||5.07%|
|ST. JOSEPH, MO-KS (FHA|USDA|VA)||109||$16,835,000||$154,450||$1,597||5.12%|
|Quincy, IL-MO (FHA|USDA|VA)||16||$14,390,000||$899,375||$1,525||4.52%|
|ST. LOUIS, MO-IL (FHA|USDA|VA)||58||$13,720,000||$236,552||$1,504||5.03%|
|Outside of Metro Areas||79||$11,985,000||$151,709||$1,259||4.91%|
|KANSAS CITY, MO-KS (FHA|USDA|VA)||12||$3,260,000||$271,667||$1,678||4.95%|
|Maryville, MO (FHA|USDA|VA)||9||$1,965,000||$218,333||$1,826||4.86%|
|COLUMBIA, MO (FHA|USDA|VA)||6||$1,060,000||$176,667||$1,215||4.94%|
|JEFFERSON CITY, MO (FHA|USDA|VA)||3||$415,000||$138,333||$1,338||5.13%|
|Mexico, MO (FHA|USDA|VA)||4||$360,000||$90,000||$1,793||4.19%|
|JOPLIN, MO (FHA|USDA|VA)||2||$300,000||$150,000||$1,965||3.56%|
|Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA)||2||$270,000||$135,000||$1,684||4.81%|
|Jacksonville, IL (FHA|USDA|VA)||1||$135,000||$135,000||$1,845||3.75%|
|PEORIA, IL (FHA|USDA|VA)||1||$65,000||$65,000||$150||6.25%|
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.
Similarity Rank: 100
Similarity Rank: 209
Similarity Rank: 306
Similarity Rank: 328
Similarity Rank: 355
Similarity Rank: 518
Similarity Rank: 560
Similarity Rank: 580
Similarity Rank: 594
Similarity Rank: 625
|Loan Type||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
For 2022, Hnb National Bank's most frequently originated type of loan was Conventional, with 480 originations.
For 2022, Hnb National Bank's most frequently cited loan purpose was Home Purchase, with 261 originations. The 2nd most popular reason was Refi, with 120 originations.
For 2022, Hnb National Bank's most frequently cited loan duration was 30 Year, with 281 originations. The 2nd most popular length was 20 Year, with 84 originations.
Origination Fees/Closing Costs
|Origination Fee/Closing Cost||Originations||Total Value||Average Loan|
Hnb National Bank's average total fees were $1,459, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 310 originations.
|Loan Rate||Originations||Total Value||Average Loan|
During 2022, Hnb National Bank's average interest rate for loans was 5.05%, while their most frequently originated rate bucket for loans was 5-6%, with 183 originations.
2022 saw Hnb National Bank place emphasis on $100,000 or less loans with 180 originations, totaling $10,850,000 in origination value.
Hnb National Bank lent most frequently to those with incomes in the $100k-150k range, with 105 originations. The second most popular income band? $50k-75k, with 89 originations.
Applicant Debt to Income Ratio
Hnb National Bank lent most frequently to those with DTI ratios of 20-30%, with 121 originations. The next most common DTI ratio? 30-36%, with 76 originations.
Approval RatesTotal approvals of all applications
Hnb National Bank has an average approval rate.
Pick RateApprovals leading to origination
Hnb National Bank has an average pick rate.
Points and Fees
|Points||Originations||Total Value||Average Loan|
|Bank Name||Product||Issue||2022 CPFB Complaints||% of Total Issues|
|Home Point Financial Corporation||Conventional home mortgage||Closing on a mortgage||1||20.0%|
|Home Point Financial Corporation||Conventional home mortgage||Incorrect information on your report||1||20.0%|
|Home Point Financial Corporation||Conventional home mortgage||Struggling to pay mortgage||1||20.0%|
|Home Point Financial Corporation||Conventional home mortgage||Trouble during payment process||1||20.0%|
|Home Point Financial Corporation||VA mortgage||Trouble during payment process||1||20.0%|