Hnb National Bank Mortgage Rates, Fees & Info

Hannibal, MO

LEI: 549300P8K0GPRS1CUS51

Tax ID: 43-0309403

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

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  • SimulatedRates™
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    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • 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)

    • Bank Data

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

    • 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. Louis, St. Joseph, Kansas City, and Quincy 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.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.49% 12/16/24
    30 Year Conventional Refi 6.24% 12/16/24
    30 Year Cash-out Refi 6.41% 12/16/24
    30 Year USDA Purchase 6.90% 12/16/24
    15 Year Conventional Purchase 6.01% 12/16/24
    15 Year Conventional Refi 6.12% 12/16/24
    15 Year Cash-out Refi 6.12% 12/16/24
    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






    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

    441

    Origination Dollar Volume (All Markets)

    $58,195,000

    Employee count

    131 Show all (6) awards

    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) 174 $20,970,000 $120,517 $1,078 4.81%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 90 $15,740,000 $174,889 $1,474 4.79%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 86 $10,960,000 $127,442 $1,428 5.02%
    Outside of Metro Areas 61 $6,675,000 $109,426 $1,084 4.85%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 6 $1,240,000 $206,667 $1,458 4.79%
    Quincy, IL-MO (FHA|USDA|VA) 5 $785,000 $157,000 $1,338 4.75%
    Mexico, MO (FHA|USDA|VA) 11 $525,000 $47,727 $1,162 4.93%
    Maryville, MO (FHA|USDA|VA) 3 $385,000 $128,333 $1,702 5.08%
    JEFFERSON CITY, MO (FHA|USDA|VA) 1 $325,000 $325,000 $1,965 4.63%
    Warrensburg, MO (FHA|USDA|VA) 2 $270,000 $135,000 $1,461 4.44%
    Moberly, MO (FHA|USDA|VA) 1 $205,000 $205,000 $1,307 4.88%
    Kirksville, MO (FHA|USDA|VA) 1 $115,000 $115,000 $0 5.00%
    Hnb National Bank's top markets include Hannibal, St. Louis, St. Joseph, Kansas City, and Quincy among others.

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

    American Bank of Missouri
    Similarity Rank: 24
    First Bankers Trust Company
    Similarity Rank: 60
    MAINSTREET FEDERAL CREDIT UNION
    Similarity Rank: 68
    Ozarks Federal Savings and Loan Association
    Similarity Rank: 100
    KCB Bank
    Similarity Rank: 108
    Community Bank of Trenton
    Similarity Rank: 108
    HomeBank
    Similarity Rank: 144
    Citizens Savings and Loan Association, FSB
    Similarity Rank: 146
    Clay County Savings Bank
    Similarity Rank: 148
    First National Bank of Waterloo
    Similarity Rank: 200

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 434 $57,580,000 $132,673 $1,232 4.86%
    USDA 7 $615,000 $87,857 $1,650 4.80%

    For 2018, Hnb National Bank's most frequently originated type of loan was Conventional, with 434 originations. Their 2nd most popular type was USDA, with 7 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 230 $31,510,000 $137,000 $1,465 4.81%
    Refi 141 $19,625,000 $139,184 $950 5.00%
    Cash Out Refi 52 $6,130,000 $117,885 $1,233 4.60%
    Other 12 $710,000 $59,167 $872 5.05%
    Home Improvement 6 $220,000 $36,667 $878 5.21%

    For 2018, Hnb National Bank's most frequently cited loan purpose was Home Purchase, with 230 originations. The 2nd most popular reason was Refi, with 141 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 235 $35,995,000 $153,170 $1,347 4.73%
    20 Year 82 $11,000,000 $134,146 $1,087 4.91%
    15 Year 60 $5,810,000 $96,833 $1,091 4.91%
    10 Year 23 $1,195,000 $51,957 $1,005 4.84%
    Other 21 $2,565,000 $122,143 $879 5.61%
    1 Year 10 $1,280,000 $128,000 $1,190 5.05%
    5 Year 10 $350,000 $35,000 $724 5.36%

    For 2018, Hnb National Bank's most frequently cited loan duration was 30 Year, with 235 originations. The 2nd most popular length was 20 Year, with 82 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 306 $40,760,000 $133,203
    $5k+ 1 $455,000 $455,000

    Hnb National Bank's average total fees were $1,347, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 306 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 300 $41,760,000 $139,200
    5-6% 113 $13,085,000 $115,796
    3-4% 20 $2,970,000 $148,500
    6-7% 6 $330,000 $55,000
    7-8% 1 $45,000 $45,000
    Over 8% 1 $5,000 $5,000

    During 2018, Hnb National Bank's average interest rate for loans was 4.73%, while their most frequently originated rate bucket for loans was 4-5%, with 300 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 201 $11,375,000 $56,592 $1,031 5.01%
    $100k-200k 165 $23,075,000 $139,848 $1,291 4.72%
    $200k-400k 61 $16,465,000 $269,918 $1,465 4.77%
    $400k-600k 13 $5,775,000 $444,231 $2,205 4.63%
    $1MM+ 1 $1,505,000 $1,505,000 $0 4.25%

    2018 saw Hnb National Bank place emphasis on $100,000 or less loans with 201 originations, totaling $11,375,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 100 $11,100,000 $111,000 $1,208 4.74%
    $50k or less 98 $7,500,000 $76,531 $1,160 4.81%
    $75k-100k 82 $11,130,000 $135,732 $1,294 4.85%
    $100k-150k 67 $10,245,000 $152,910 $1,262 4.90%
    $150k-250k 24 $4,580,000 $190,833 $1,159 4.84%
    $250k+ 21 $5,495,000 $261,667 $1,765 4.70%

    Hnb National Bank lent most frequently to those with incomes in the $50k-75k range, with 100 originations. The second most popular income band? $50k or less, with 98 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 120 $15,350,000 $127,917 $1,204 4.78%
    30-36% 69 $8,335,000 $120,797 $1,334 4.85%
    <20% 49 $5,405,000 $110,306 $1,144 4.75%
    40% 19 $1,995,000 $105,000 $1,130 4.88%
    38% 19 $1,795,000 $94,474 $1,261 4.93%
    39% 16 $2,630,000 $164,375 $1,374 4.78%
    >60% 13 $1,615,000 $124,231 $1,115 5.14%
    36% 13 $1,345,000 $103,462 $1,313 4.93%
    41% 12 $1,340,000 $111,667 $1,252 4.85%
    37% 10 $1,040,000 $104,000 $1,112 4.69%
    50-60% 10 $1,590,000 $159,000 $1,215 5.04%
    42% 9 $1,865,000 $207,222 $1,152 4.71%
    44% 7 $1,205,000 $172,143 $1,365 4.70%
    43% 6 $990,000 $165,000 $867 4.69%
    49% 5 $905,000 $181,000 $1,196 4.63%
    46% 5 $685,000 $137,000 $1,268 4.60%
    47% 4 $650,000 $162,500 $1,643 4.75%
    45% 3 $445,000 $148,333 $1,246 4.50%
    48% 2 $660,000 $330,000 $7,322 4.75%

    Hnb National Bank lent most frequently to those with DTI ratios of 20-30%, with 120 originations. The next most common DTI ratio? 30-36%, with 69 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 388 $50,120,000 $129,175 $1,232 4.82%
    Not applicable 33 $4,755,000 $144,091 $0 5.24%
    Not provided 14 $2,560,000 $182,857 $1,516 4.87%
    Black 5 $725,000 $145,000 $1,396 4.88%
    Native Hawaiian or Islander 1 $35,000 $35,000 $0 6.50%

    Approval Rates

    Total approvals of all applications
    90.60%

    Hnb National Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    87.07%

    Hnb National Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 441 $58,195,000 $131,961

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 5 $2,435,000 $487,000
    Single Family (1-4 Units):Manufactured 21 $2,365,000 $112,619
    Single Family (1-4 Units):Site-Built 415 $53,395,000 $128,663

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 41 $3,135,000 $76,463 $923 4.85%
    40-60% 60 $7,440,000 $124,000 $1,173 4.92%
    60-80% 171 $26,145,000 $152,895 $1,320 4.85%
    80-100% 142 $20,490,000 $144,296 $1,375 4.72%
    Over 100% 1 $75,000 $75,000 $632 5.50%
    Under 20% 26 $910,000 $35,000 $689 5.45%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    HOME BANCSHARES, INC. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 25.0%
    HOME BANCSHARES, INC. Other type of mortgage Trouble during payment process 3 75.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    HNB National Bank 100 North Main Street Hannibal, MO 63401 Full Service B&M $81,978
    HNB National Bank 103 East Main Street Perry, MO 63462 Full Service B&M $51,739
    HNB National Bank 1120 Highway 24 And 36 East Monroe City, MO 63456 Full Service B&M $32,033
    HNB National Bank 114 North Lincoln Drive Troy, MO 63379 Full Service B&M $13,040
    HNB National Bank 118 W 1st St Stanberry, MO 64489 Full Service B&M $50,036
    HNB National Bank 150 Shinn Lane Hannibal, MO 63401 Full Service B&M $26,639
    HNB National Bank 1602 South Riverside Road Saint Joseph, MO 64507 Full Service B&M $13,978
    HNB National Bank 1977 Wentzville Parkway Wentzville, MO 63385 Full Service B&M $19,194
    HNB National Bank 203 South Main Palmyra, MO 63461 Full Service B&M $12,910
    HNB National Bank 301 West Main Street Savannah, MO 64485 Full Service B&M $36,621
    HNB National Bank 3650 Stardust Drive Hannibal, MO 63401 Full Service B&M $7,718
    HNB National Bank 6102 North Belt Hwy Country Club, MO 64506 Full Service B&M $858
    HNB National Bank 700 Bus Hwy 61 S Bowling Green, MO 63334 Full Service B&M $16,283
    HNB National Bank Highway 61 North Hannibal, MO 63401 Full Service B&M $38,745

    For 2018, Hnb National Bank had 14 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $20,360
    Net interest income $19,289
    Total noninterest income $4,920
    Gross Fiduciary activities income $476
    Service charges on deposit accounts $1,043
    Trading account gains and fees $0
    Additional Noninterest Income $3,401
    Pre-tax net operating income $11,306
    Securities gains (or losses, -) $2
    Income before extraordinary items $11,308
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $11,308
    Minority interest net income $0
    Net income $11,308
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $11,306

    Hnb National Bank's gross interest income from loans was $20,360,000.
    Hnb National Bank's net interest income from loans was $19,289,000.
    Hnb National Bank's fee based income from loans was $1,043,000.
    Hnb National Bank's net income from loans was $11,308,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,071
    Provision for credit losses $365
    Total noninterest expense $12,538
    Salaries and employee benefits $7,364
    Premises and equipment expense $1,626
    Additional noninterest expense $3,548
    Applicable income taxes $0
    Net charge-offs $70
    Cash dividends $7,000

    Hnb National Bank's interest expense for loans was $1,071,000.
    Hnb National Bank's payroll and benefits expense were $7,364,000.
    Hnb National Bank's property, plant and equipment expenses $1,626,000.

    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 $403,289
    Deposits held in domestic offices $403,289
    Deposits by Individuals, partnerships, and corporations $369,045
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $34,244
    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 $214,295
    Demand deposits $68,102
    Nontransaction accounts $188,994
    Money market deposit accounts (MMDAs) $40,949
    Other savings deposits (excluding MMDAs) $58,619
    Total time deposits $89,426
    Total time and savings deposits $335,187
    Noninterest-bearing deposits $68,102
    Interest-bearing deposits $335,187
    Retail deposits $397,535
    IRAs and Keogh plan accounts $12,113
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $469,791
    Cash & Balances due from depository institutions $25,904
    Interest-bearing balances $20,937
    Total securities $35,270
    Federal funds sold & reverse repurchase $0
    Net loans and leases $374,986
    Loan and leases loss allowance $4,376
    Trading account assets $0
    Bank premises and fixed assets $8,923
    Other real estate owned $0
    Goodwill and other intangibles $1,023
    All other assets $23,685

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $469,791
    Total Liabilities $405,241
    Total deposits $403,289
    Interest-bearing deposits $335,187
    Deposits held in domestic offices $403,289
    % insured (estimated) $83
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $1,952

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $374,986
    Loan and leases loss allowance $4,376
    Total loans and leases (domestic) $379,362
    All real estate loans $292,262
    Real estate loans in domestic offices $292,262
    Construction and development loans $34,605
    Residential 1-4 family construction $15,786
    Other construction, all land development and other land $18,819
    Loans secured by nonfarm nonresidential properties $73,749
    Nonfarm nonresidential secured by owner-occupied properties $45,973
    Commercial real estate & other non-farm, non-residential $27,776
    Multifamily residential real estate $6,009
    1-4 family residential loans $89,950
    Farmland loans $87,949
    Loans held in foreign offices $0
    Farm loans $45,033
    Commercial and industrial loans $32,073
    To non-U.S. addressees $0
    Loans to individuals $8,516
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $7,079
    Other loans to individuals $1,437
    All other loans & leases $1,478
    Loans to foreign governments and official institutions $0
    Other loans $1,150
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $1,940
    Non 1-4 family restructured loans & leases $1,018
    Total loans and leases (foreign) $0

    HNB National Bank had $374,986,000 of loans outstanding in 2018. $292,262,000 of loans were in real estate loans. $34,605,000 of loans were in development loans. $6,009,000 of loans were in multifamily mortgage loans. $89,950,000 of loans were in 1-4 family mortgage loans. $45,033,000 of loans were in farm loans. $0 of loans were in credit card loans. $7,079,000 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 285 $35,584 $124,856
    Nonfarm, nonresidential loans - <$100k 135 $5,223 $38,689
    Nonfarm, nonresidential loans - $100-250k 82 $10,299 $125,598
    Nonfarm, nonresidential loans - $250k-1MM 68 $20,062 $295,029
    Commercial & Industrial, US addressed loans - <$1MM 511 $21,446 $41,969
    Commercial & Industrial, US addressed loans - <$100k 428 $7,862 $18,369
    Commercial & Industrial, US addressed loans - $100-250k 52 $4,789 $92,096
    Commercial & Industrial, US addressed loans - $250k-1MM 31 $8,795 $283,710
    Farmland loans - <$1MM 598 $76,514 $127,950
    Farmland loans - <$100k 275 $10,384 $37,760
    Farmland loans - $100-250k 192 $31,453 $163,818
    Farmland loans - $250k-1MM 131 $34,677 $264,710
    Agriculture operations loans - <$1MM 779 $38,483 $49,401
    Agriculture operations loans - <$100k 652 $14,819 $22,729
    Agriculture operations loans - $100-250k 72 $7,551 $104,875
    Agriculture operations loans - $250k-1MM 55 $16,113 $292,964