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 Refi, Cash Out Refi, and Home Purchase 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 15 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 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

    1,255

    Origination Dollar Volume (All Markets)

    $211,255,000

    Employee count

    134 Show all (14) 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
    ST. LOUIS, MO-IL (FHA|USDA|VA) 308 $64,730,000 $210,162 $1,422 2.95%
    Hannibal, MO (FHA|USDA|VA) 412 $61,090,000 $148,277 $1,185 3.09%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 255 $40,675,000 $159,510 $1,557 3.23%
    Outside of Metro Areas 181 $25,565,000 $141,243 $1,404 3.09%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 34 $8,210,000 $241,471 $1,662 2.84%
    Maryville, MO (FHA|USDA|VA) 22 $3,890,000 $176,818 $1,642 2.91%
    Quincy, IL-MO (FHA|USDA|VA) 16 $3,060,000 $191,250 $1,213 2.98%
    COLUMBIA, MO (FHA|USDA|VA) 7 $1,495,000 $213,571 $1,268 3.14%
    Mexico, MO (FHA|USDA|VA) 11 $1,085,000 $98,636 $1,376 3.32%
    Moberly, MO (FHA|USDA|VA) 4 $530,000 $132,500 $1,236 3.72%
    JEFFERSON CITY, MO (FHA|USDA|VA) 1 $315,000 $315,000 $1,605 3.00%
    LAWRENCE, KS (FHA|USDA|VA) 1 $215,000 $215,000 $1,566 2.75%
    SPRINGFIELD, MO (FHA|USDA|VA) 1 $165,000 $165,000 $2,201 2.50%
    Kirksville, MO (FHA|USDA|VA) 1 $125,000 $125,000 $0 4.50%
    Branson, MO (FHA|USDA|VA) 1 $105,000 $105,000 $1,304 2.63%
    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)
  • 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.

    First Bankers Trust Company
    Similarity Rank: 115
    United Bank of Union
    Similarity Rank: 245
    CapGrow Home Mortgage, LLC
    Similarity Rank: 352
    Prairie State Bank and Trust
    Similarity Rank: 360
    Azura Credit Union
    Similarity Rank: 380
    D.W. BROWN MORTGAGE CORP.
    Similarity Rank: 428
    HNB National Bank
    Similarity Rank: 495
    FRONTIER COMMUNITY CREDIT UNION
    Similarity Rank: 553
    MAINSTREET FEDERAL CREDIT UNION
    Similarity Rank: 592
    Citizens Savings and Loan Association, FSB
    Similarity Rank: 652

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,247 $210,555,000 $168,849 $1,371 3.07%
    USDA 8 $700,000 $87,500 $1,695 3.36%

    For 2020, Hnb National Bank's most frequently originated type of loan was Conventional, with 1,247 originations. Their 2nd most popular type was USDA, with 8 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 576 $103,600,000 $179,861 $1,308 2.88%
    Cash Out Refi 322 $56,150,000 $174,379 $1,409 2.84%
    Home Purchase 303 $47,005,000 $155,132 $1,573 3.56%
    Other 46 $4,180,000 $90,870 $963 3.75%
    Home Improvement 8 $320,000 $40,000 $755 4.45%

    For 2020, Hnb National Bank's most frequently cited loan purpose was Refi, with 576 originations. The 2nd most popular reason was Cash Out Refi, with 322 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 633 $126,215,000 $199,392 $1,433 3.07%
    15 Year 309 $48,225,000 $156,068 $1,367 2.64%
    20 Year 193 $24,945,000 $129,249 $1,303 3.45%
    10 Year 65 $6,685,000 $102,846 $1,219 2.83%
    Other 24 $2,290,000 $95,417 $1,028 4.35%
    1 Year 19 $2,425,000 $127,632 $1,364 4.79%
    5 Year 11 $455,000 $41,364 $429 4.77%
    3 Year 1 $15,000 $15,000 $0 5.50%

    For 2020, Hnb National Bank's most frequently cited loan duration was 30 Year, with 633 originations. The 2nd most popular length was 15 Year, with 309 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,029 $182,435,000 $177,293
    $1k-2k 1 $155,000 $155,000

    Hnb National Bank's average total fees were $1,433, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,029 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 451 $86,175,000 $191,075
    <2.5% 385 $68,405,000 $177,675
    3-4% 225 $36,735,000 $163,267
    4-5% 151 $16,205,000 $107,318
    5-6% 39 $3,235,000 $82,949
    6-7% 3 $135,000 $45,000

    During 2020, Hnb National Bank's average interest rate for loans was 3.07%, while their most frequently originated rate bucket for loans was 2.5-3%, with 451 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 521 $75,135,000 $144,213 $1,376 2.95%
    $100,000 or less 346 $21,490,000 $62,110 $1,137 3.50%
    $200k-400k 339 $91,215,000 $269,071 $1,502 2.88%
    $400k-600k 48 $22,540,000 $469,583 $1,772 2.77%
    $600k-1MM 1 $875,000 $875,000 $2,067 4.13%

    2020 saw Hnb National Bank place emphasis on $100k-200k loans with 521 originations, totaling $75,135,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 299 $56,115,000 $187,676 $1,422 2.94%
    $50k-75k 246 $33,390,000 $135,732 $1,362 3.01%
    $75k-100k 209 $33,235,000 $159,019 $1,403 3.07%
    $50k or less 193 $18,225,000 $94,430 $1,278 3.22%
    $150k-250k 149 $35,375,000 $237,416 $1,459 2.97%
    $250k+ 85 $24,605,000 $289,471 $1,565 3.02%

    Hnb National Bank lent most frequently to those with incomes in the $100k-150k range, with 299 originations. The second most popular income band? $50k-75k, with 246 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 398 $69,840,000 $175,477 $1,407 2.92%
    <20% 314 $49,720,000 $158,344 $1,371 2.86%
    30-36% 191 $33,055,000 $173,063 $1,351 3.15%
    38% 39 $4,525,000 $116,026 $1,193 3.37%
    36% 38 $6,110,000 $160,789 $1,407 3.13%
    41% 35 $6,975,000 $199,286 $1,400 3.03%
    37% 31 $5,715,000 $184,355 $1,340 3.07%
    40% 29 $5,585,000 $192,586 $1,474 3.23%
    42% 26 $4,920,000 $189,231 $1,415 2.87%
    44% 22 $4,220,000 $191,818 $1,487 3.07%
    39% 21 $3,265,000 $155,476 $1,223 3.13%
    47% 15 $2,475,000 $165,000 $1,373 2.89%
    43% 13 $2,605,000 $200,385 $1,238 3.27%
    >60% 9 $1,415,000 $157,222 $953 4.57%
    45% 7 $1,555,000 $222,143 $1,482 2.61%
    46% 6 $1,480,000 $246,667 $1,178 2.73%
    48% 4 $990,000 $247,500 $1,453 2.56%
    49% 4 $810,000 $202,500 $1,301 2.88%
    50-60% 4 $180,000 $45,000 $1,478 5.00%

    Hnb National Bank lent most frequently to those with DTI ratios of 20-30%, with 398 originations. The next most common DTI ratio? <20%, with 314 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,037 $168,125,000 $162,126 $1,345 3.03%
    Not provided 164 $34,680,000 $211,463 $1,541 3.01%
    Not applicable 33 $4,025,000 $121,970 $100 4.77%
    Asian 11 $2,875,000 $261,364 $1,818 2.75%
    Black 4 $1,040,000 $260,000 $1,821 3.22%
    American Indian 6 $510,000 $85,000 $1,245 3.38%

    Approval Rates

    Total approvals of all applications
    95.10%

    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 origination
    94.26%

    Hnb National Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,255 $211,255,000 $168,331

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 3 $575,000 $191,667
    Single Family (1-4 Units):Manufactured 28 $2,610,000 $93,214
    Single Family (1-4 Units):Site-Built 1,224 $208,070,000 $169,992

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 109 $10,235,000 $93,899 $1,199 3.01%
    40-60% 244 $35,950,000 $147,336 $1,321 2.87%
    60-80% 587 $113,125,000 $192,717 $1,429 3.04%
    80-100% 277 $50,455,000 $182,148 $1,502 3.18%
    Under 20% 38 $1,490,000 $39,211 $414 4.28%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    HOME BANCSHARES, INC. Conventional home mortgage Closing on a mortgage 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Hnb National Bank 103 East Main Street Perry, MO 63462 Full Service B&M $62,371
    Hnb National Bank 1120 Highway 24 And 36 East Monroe City, MO 63456 Full Service B&M $39,210
    Hnb National Bank 114 North Lincoln Drive Troy, MO 63379 Full Service B&M $16,162
    Hnb National Bank 118 W 1st St, P O Box 129 Stanberry, MO 64489 Full Service B&M $55,437
    Hnb National Bank 150 Shinn Lane Hannibal, MO 63401 Full Service B&M $28,445
    Hnb National Bank 100 North Main Street Hannibal, MO 63401 Full Service B&M $108,298
    Hnb National Bank 1602 South Riverside Road Saint Joseph, MO 64507 Full Service B&M $18,377
    Hnb National Bank 1977 Wentzville Parkway Wentzville, MO 63385 Full Service B&M $23,063
    Hnb National Bank 203 South Main Palmyra, MO 63461 Full Service B&M $14,554
    Hnb National Bank 301 West Main Street Savannah, MO 64485 Full Service B&M $46,058
    Hnb National Bank 3650 Stardust Drive Hannibal, MO 63401 Full Service B&M $9,310
    Hnb National Bank 6102 North Belt Hwy Country Club, MO 64506 Full Service B&M $2,000
    Hnb National Bank 700 Bus Hwy 61 S Bowling Green, MO 63334 Full Service B&M $22,899
    Hnb National Bank Highway 61 North Hannibal, MO 63401 Full Service B&M $48,685

    For 2020, Hnb National Bank had 14 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $22,515
    Net interest income $20,353
    Total noninterest income $11,968
    Gross Fiduciary activities income $601
    Service charges on deposit accounts $766
    Trading account gains and fees $0
    Additional Noninterest Income $10,601
    Pre-tax net operating income $18,749
    Securities gains (or losses, -) $0
    Income before extraordinary items $18,749
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $18,749
    Minority interest net income $0
    Net income $18,749
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $18,749

    Hnb National Bank's gross interest income from loans was $22,515,000.
    Hnb National Bank's net interest income from loans was $20,353,000.
    Hnb National Bank's fee based income from loans was $766,000.
    Hnb National Bank's net income from loans was $18,749,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $2,162
    Provision for credit losses $285
    Total noninterest expense $13,287
    Salaries and employee benefits $8,004
    Premises and equipment expense $1,862
    Additional noninterest expense $3,421
    Applicable income taxes $0
    Net charge-offs $45
    Cash dividends $10,000

    Hnb National Bank's interest expense for loans was $2,162,000.
    Hnb National Bank's payroll and benefits expense were $8,004,000.
    Hnb National Bank's property, plant and equipment expenses $1,862,000.

    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 $541,029
    Deposits held in domestic offices $541,029
    Deposits by Individuals, partnerships, and corporations $486,540
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $53,999
    Deposits by Commercial banks and other depository institutions in U.S. $490
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $282,992
    Demand deposits $96,435
    Nontransaction accounts $258,037
    Money market deposit accounts (MMDAs) $54,684
    Other savings deposits (excluding MMDAs) $77,827
    Total time deposits $125,526
    Total time and savings deposits $444,594
    Noninterest-bearing deposits $282,992
    Interest-bearing deposits $258,037
    Retail deposits $518,857
    IRAs and Keogh plan accounts $12,636
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $622,678
    Cash & Balances due from depository institutions $147,073
    Interest-bearing balances $139,217
    Total securities $58,712
    Federal funds sold & reverse repurchase $0
    Net loans and leases $381,745
    Loan and leases loss allowance $4,684
    Trading account assets $0
    Bank premises and fixed assets $14,170
    Other real estate owned $4
    Goodwill and other intangibles $2,514
    All other assets $18,460

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $622,678
    Total Liabilities $543,200
    Total deposits $541,029
    Interest-bearing deposits $258,037
    Deposits held in domestic offices $541,029
    % insured (estimated) $80
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $2,171

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $381,745
    Loan and leases loss allowance $4,684
    Total loans and leases (domestic) $386,429
    All real estate loans $291,965
    Real estate loans in domestic offices $291,965
    Construction and development loans $29,786
    Residential 1-4 family construction $8,537
    Other construction, all land development and other land $21,249
    Loans secured by nonfarm nonresidential properties $87,929
    Nonfarm nonresidential secured by owner-occupied properties $45,621
    Commercial real estate & other non-farm, non-residential $42,308
    Multifamily residential real estate $7,539
    1-4 family residential loans $91,430
    Farmland loans $75,281
    Loans held in foreign offices $0
    Farm loans $49,836
    Commercial and industrial loans $34,173
    To non-U.S. addressees $0
    Loans to individuals $7,736
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $6,518
    Other loans to individuals $1,218
    All other loans & leases $2,719
    Loans to foreign governments and official institutions $0
    Other loans $2,272
    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 $1,657
    Non 1-4 family restructured loans & leases $699
    Total loans and leases (foreign) $0

    HNB National Bank had $381,745,000 of loans outstanding in 2020. $291,965,000 of loans were in real estate loans. $29,786,000 of loans were in development loans. $7,539,000 of loans were in multifamily mortgage loans. $91,430,000 of loans were in 1-4 family mortgage loans. $49,836,000 of loans were in farm loans. $0 of loans were in credit card loans. $6,518,000 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 265 $36,327 $137,083
    Nonfarm, nonresidential loans - <$100k 109 $3,949 $36,229
    Nonfarm, nonresidential loans - $100-250k 94 $11,841 $125,968
    Nonfarm, nonresidential loans - $250k-1MM 62 $20,537 $331,242
    Commercial & Industrial, US addressed loans - <$1MM 486 $17,454 $35,914
    Commercial & Industrial, US addressed loans - <$100k 395 $6,777 $17,157
    Commercial & Industrial, US addressed loans - $100-250k 59 $4,836 $81,966
    Commercial & Industrial, US addressed loans - $250k-1MM 32 $5,841 $182,531
    Farmland loans - <$1MM 564 $58,065 $102,952
    Farmland loans - <$100k 254 $8,361 $32,917
    Farmland loans - $100-250k 182 $19,235 $105,687
    Farmland loans - $250k-1MM 128 $30,469 $238,039
    Agriculture operations loans - <$1MM 803 $43,677 $54,392
    Agriculture operations loans - <$100k 629 $11,574 $18,401
    Agriculture operations loans - $100-250k 98 $8,936 $91,184
    Agriculture operations loans - $250k-1MM 76 $23,167 $304,829