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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    • 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, Refi, and Cash Out 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 Maryville among others. We have data for 13 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% 4/18/24
    30 Year Conventional Refi 6.24% 4/18/24
    30 Year Cash-out Refi 6.41% 4/18/24
    30 Year USDA Purchase 6.90% 4/18/24
    15 Year Conventional Purchase 6.01% 4/18/24
    15 Year Conventional Refi 6.12% 4/18/24
    15 Year Cash-out Refi 6.12% 4/18/24
    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

    779

    Origination Dollar Volume (All Markets)

    $136,095,000

    Employee count

    127 Show all (8) 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) 277 $42,125,000 $152,076 $1,225 3.18%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 164 $37,270,000 $227,256 $1,648 3.06%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 158 $26,770,000 $169,430 $1,619 3.21%
    Outside of Metro Areas 114 $17,480,000 $153,333 $1,553 3.17%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 18 $5,450,000 $302,778 $1,751 2.81%
    Maryville, MO (FHA|USDA|VA) 16 $3,020,000 $188,750 $1,513 2.98%
    Quincy, IL-MO (FHA|USDA|VA) 12 $1,610,000 $134,167 $1,487 3.03%
    Mexico, MO (FHA|USDA|VA) 12 $1,480,000 $123,333 $1,132 3.61%
    COLUMBIA, MO (FHA|USDA|VA) 4 $430,000 $107,500 $1,084 2.72%
    PEORIA, IL (FHA|USDA|VA) 1 $225,000 $225,000 $1,491 2.63%
    MANHATTAN, KS (FHA|USDA|VA) 1 $105,000 $105,000 $1,533 2.75%
    Branson, MO (FHA|USDA|VA) 1 $75,000 $75,000 $1,681 2.50%
    West Plains, MO (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.25%
    Hnb National Bank's top markets include Hannibal, St. Louis, 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: 96
    HomeBank
    Similarity Rank: 323
    Town & Country Bank
    Similarity Rank: 328
    Ozarks Federal Savings and Loan Association
    Similarity Rank: 370
    MAINSTREET FEDERAL CREDIT UNION
    Similarity Rank: 426
    CapGrow Home Mortgage, LLC
    Similarity Rank: 552
    D.W. BROWN MORTGAGE CORP.
    Similarity Rank: 627
    FRONTIER COMMUNITY CREDIT UNION
    Similarity Rank: 693
    DIAMOND RESIDENTIAL MORTGAGE CORPORATION
    Similarity Rank: 715
    JERSEY STATE BANK
    Similarity Rank: 725

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 765 $134,485,000 $175,797 $1,446 3.14%
    USDA 14 $1,610,000 $115,000 $2,055 3.46%

    For 2021, Hnb National Bank's most frequently originated type of loan was Conventional, with 765 originations. Their 2nd most popular type was USDA, with 14 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 281 $46,965,000 $167,135 $1,664 3.46%
    Refi 272 $50,950,000 $187,316 $1,317 2.94%
    Cash Out Refi 184 $33,870,000 $184,076 $1,492 2.88%
    Other 34 $4,040,000 $118,824 $1,190 3.38%
    Home Improvement 8 $270,000 $33,750 $769 4.44%

    For 2021, Hnb National Bank's most frequently cited loan purpose was Home Purchase, with 281 originations. The 2nd most popular reason was Refi, with 272 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 415 $84,695,000 $204,084 $1,530 3.15%
    15 Year 162 $25,720,000 $158,765 $1,441 2.59%
    20 Year 128 $17,790,000 $138,984 $1,351 3.46%
    10 Year 37 $3,225,000 $87,162 $1,157 3.07%
    Other 21 $2,295,000 $109,286 $990 4.56%
    1 Year 10 $2,120,000 $212,000 $1,503 4.35%
    5 Year 4 $100,000 $25,000 $819 4.75%
    3 Year 2 $150,000 $75,000 $0 4.50%

    For 2021, Hnb National Bank's most frequently cited loan duration was 30 Year, with 415 originations. The 2nd most popular length was 15 Year, with 162 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 619 $115,085,000 $185,921

    Hnb National Bank's average total fees were $1,530, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 619 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 270 $55,180,000 $204,370
    3-4% 210 $35,040,000 $166,857
    <2.5% 176 $30,450,000 $173,011
    4-5% 114 $13,750,000 $120,614
    5-6% 9 $1,675,000 $186,111

    During 2021, Hnb National Bank's average interest rate for loans was 3.15%, while their most frequently originated rate bucket for loans was 2.5-3%, with 270 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 291 $41,275,000 $141,838 $1,441 3.00%
    $100,000 or less 230 $14,890,000 $64,739 $1,162 3.49%
    $200k-400k 217 $58,435,000 $269,286 $1,620 3.01%
    $400k-600k 38 $18,650,000 $490,789 $1,950 2.95%
    $600k-1MM 2 $1,560,000 $780,000 $3,186 4.63%
    $1MM+ 1 $1,285,000 $1,285,000 $3,351 3.00%

    2021 saw Hnb National Bank place emphasis on $100k-200k loans with 291 originations, totaling $41,275,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 158 $32,460,000 $205,443 $1,557 3.05%
    $50k-75k 154 $20,980,000 $136,234 $1,418 3.13%
    $50k or less 139 $13,815,000 $99,388 $1,326 3.20%
    $75k-100k 128 $21,660,000 $169,219 $1,420 3.01%
    $150k-250k 98 $24,440,000 $249,388 $1,623 2.96%
    $250k+ 47 $15,685,000 $333,723 $1,678 3.16%

    Hnb National Bank lent most frequently to those with incomes in the $100k-150k range, with 158 originations. The second most popular income band? $50k-75k, with 154 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 232 $41,300,000 $178,017 $1,428 3.02%
    <20% 157 $24,825,000 $158,121 $1,414 2.89%
    30-36% 138 $24,990,000 $181,087 $1,471 3.05%
    38% 29 $5,255,000 $181,207 $1,517 3.57%
    36% 26 $4,450,000 $171,154 $1,360 3.53%
    40% 21 $3,495,000 $166,429 $1,569 3.00%
    37% 19 $3,115,000 $163,947 $1,523 3.09%
    39% 18 $3,660,000 $203,333 $1,470 2.97%
    41% 18 $3,230,000 $179,444 $1,498 3.08%
    43% 16 $2,790,000 $174,375 $1,497 3.00%
    42% 15 $2,675,000 $178,333 $1,509 3.02%
    44% 11 $2,265,000 $205,909 $1,565 2.91%
    45% 7 $2,005,000 $286,429 $1,737 3.39%
    47% 6 $1,330,000 $221,667 $1,480 3.58%
    48% 5 $1,435,000 $287,000 $1,456 3.93%
    46% 3 $1,005,000 $335,000 $2,307 2.96%
    49% 3 $1,025,000 $341,667 $1,457 3.42%
    >60% 3 $1,025,000 $341,667 $1,328 4.17%
    50-60% 2 $630,000 $315,000 $2,332 4.38%

    Hnb National Bank lent most frequently to those with DTI ratios of 20-30%, with 232 originations. The next most common DTI ratio? <20%, with 157 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 634 $109,720,000 $173,060 $1,445 3.09%
    Not provided 85 $17,985,000 $211,588 $1,537 3.01%
    Not applicable 41 $4,595,000 $112,073 $0 4.32%
    Black 8 $1,430,000 $178,750 $1,526 3.11%
    American Indian 5 $1,175,000 $235,000 $1,754 3.58%
    Asian 5 $985,000 $197,000 $1,474 3.58%
    Native Hawaiian or Islander 1 $205,000 $205,000 $1,631 3.00%

    Approval Rates

    Total approvals of all applications
    93.86%

    Hnb National Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    91.66%

    Hnb National Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 779 $136,095,000 $174,705

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    779 $136,095,000 $174,705

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 74 $8,190,000 $110,676 $1,282 3.06%
    40-60% 140 $20,610,000 $147,214 $1,372 2.88%
    60-80% 326 $65,560,000 $201,104 $1,503 3.15%
    80-100% 210 $40,240,000 $191,619 $1,600 3.22%
    Over 100% 3 $325,000 $108,333 $2,328 3.83%
    Under 20% 26 $1,170,000 $45,000 $583 4.16%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    HOME BANCSHARES, INC. Home equity loan or line of credit (HELOC) Trouble during payment process 1 50.0%
    HOME BANCSHARES, INC. Conventional home mortgage Trouble during payment process 1 50.0%

    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 $134,702
    Hnb National Bank 103 East Main Street Perry, MO 63462 Full Service B&M $75,260
    Hnb National Bank 1120 Highway 24 And 36 East Monroe City, MO 63456 Full Service B&M $46,431
    Hnb National Bank 114 North Lincoln Drive Troy, MO 63379 Full Service B&M $20,600
    Hnb National Bank 118 W 1st St, P O Box 129 Stanberry, MO 64489 Full Service B&M $58,829
    Hnb National Bank 150 Shinn Lane Hannibal, MO 63401 Full Service B&M $23,700
    Hnb National Bank 1602 South Riverside Road Saint Joseph, MO 64507 Full Service B&M $19,845
    Hnb National Bank 1977 Wentzville Parkway Wentzville, MO 63385 Full Service B&M $30,126
    Hnb National Bank 203 South Main Palmyra, MO 63461 Full Service B&M $17,389
    Hnb National Bank 301 West Main Street Savannah, MO 64485 Full Service B&M $53,828
    Hnb National Bank 3650 Stardust Drive Hannibal, MO 63401 Full Service B&M $9,988
    Hnb National Bank 6102 North Belt Hwy Country Club, MO 64506 Full Service B&M $2,126
    Hnb National Bank 700 Bus Hwy 61 S Bowling Green, MO 63334 Full Service B&M $26,083
    Hnb National Bank Highway 61 North Hannibal, MO 63401 Full Service B&M $56,654

    For 2021, Hnb National Bank had 14 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $23,371
    Net interest income $22,270
    Total noninterest income $8,394
    Gross Fiduciary activities income $720
    Service charges on deposit accounts $751
    Trading account gains and fees $0
    Additional Noninterest Income $6,923
    Pre-tax net operating income $16,593
    Securities gains (or losses, -) $0
    Income before extraordinary items $16,593
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $16,593
    Minority interest net income $0
    Net income $16,593
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $16,593

    Hnb National Bank's gross interest income from loans was $23,371,000.
    Hnb National Bank's net interest income from loans was $22,270,000.
    Hnb National Bank's fee based income from loans was $751,000.
    Hnb National Bank's net income from loans was $16,593,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,101
    Provision for credit losses $25
    Total noninterest expense $14,046
    Salaries and employee benefits $8,295
    Premises and equipment expense $2,181
    Additional noninterest expense $3,570
    Applicable income taxes $0
    Net charge-offs $-96
    Cash dividends $10,005

    Hnb National Bank's interest expense for loans was $1,101,000.
    Hnb National Bank's payroll and benefits expense were $8,295,000.
    Hnb National Bank's property, plant and equipment expenses $2,181,000.

    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 $583,185
    Deposits held in domestic offices $583,185
    Deposits by Individuals, partnerships, and corporations $516,403
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $66,292
    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 $313,329
    Demand deposits $106,990
    Nontransaction accounts $269,856
    Money market deposit accounts (MMDAs) $57,879
    Other savings deposits (excluding MMDAs) $99,984
    Total time deposits $111,993
    Total time and savings deposits $476,195
    Noninterest-bearing deposits $106,990
    Interest-bearing deposits $476,195
    Retail deposits $562,608
    IRAs and Keogh plan accounts $12,214
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $669,775
    Cash & Balances due from depository institutions $128,571
    Interest-bearing balances $121,764
    Total securities $141,806
    Federal funds sold & reverse repurchase $0
    Net loans and leases $364,149
    Loan and leases loss allowance $4,780
    Trading account assets $0
    Bank premises and fixed assets $14,802
    Other real estate owned $55
    Goodwill and other intangibles $3,069
    All other assets $17,323

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $669,775
    Total Liabilities $585,285
    Total deposits $583,185
    Interest-bearing deposits $476,195
    Deposits held in domestic offices $583,185
    % insured (estimated) $79
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $2,100

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $364,149
    Loan and leases loss allowance $4,780
    Total loans and leases (domestic) $368,929
    All real estate loans $285,672
    Real estate loans in domestic offices $285,672
    Construction and development loans $32,597
    Residential 1-4 family construction $10,398
    Other construction, all land development and other land $22,199
    Loans secured by nonfarm nonresidential properties $87,773
    Nonfarm nonresidential secured by owner-occupied properties $47,108
    Commercial real estate & other non-farm, non-residential $40,665
    Multifamily residential real estate $5,607
    1-4 family residential loans $86,461
    Farmland loans $73,234
    Loans held in foreign offices $0
    Farm loans $52,637
    Commercial and industrial loans $21,346
    To non-U.S. addressees $0
    Loans to individuals $8,180
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $6,463
    Other loans to individuals $1,717
    All other loans & leases $1,094
    Loans to foreign governments and official institutions $0
    Other loans $670
    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 $1,447
    Non 1-4 family restructured loans & leases $353
    Total loans and leases (foreign) $0

    HNB National Bank had $364,149,000 of loans outstanding in 2021. $285,672,000 of loans were in real estate loans. $32,597,000 of loans were in development loans. $5,607,000 of loans were in multifamily mortgage loans. $86,461,000 of loans were in 1-4 family mortgage loans. $52,637,000 of loans were in farm loans. $0 of loans were in credit card loans. $6,463,000 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 267 $27,953 $104,693
    Nonfarm, nonresidential loans - <$100k 98 $3,480 $35,510
    Nonfarm, nonresidential loans - $100-250k 100 $1,288 $12,880
    Nonfarm, nonresidential loans - $250k-1MM 69 $23,185 $336,014
    Commercial & Industrial, US addressed loans - <$1MM 474 $20,293 $42,812
    Commercial & Industrial, US addressed loans - <$100k 374 $7,418 $19,834
    Commercial & Industrial, US addressed loans - $100-250k 62 $5,211 $84,048
    Commercial & Industrial, US addressed loans - $250k-1MM 38 $7,664 $201,684
    Farmland loans - <$1MM 563 $58,494 $103,897
    Farmland loans - <$100k 244 $7,859 $32,209
    Farmland loans - $100-250k 184 $18,274 $99,315
    Farmland loans - $250k-1MM 135 $32,361 $239,711
    Agriculture operations loans - <$1MM 810 $48,013 $59,275
    Agriculture operations loans - <$100k 633 $12,396 $19,583
    Agriculture operations loans - $100-250k 98 $8,819 $89,990
    Agriculture operations loans - $250k-1MM 79 $26,798 $339,215