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™
  • Mortgage Calculator

    • 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)

    • 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. 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.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.49% 9/1/24
    30 Year Conventional Refi 6.24% 9/1/24
    30 Year Cash-out Refi 6.41% 9/1/24
    30 Year USDA Purchase 6.90% 9/1/24
    15 Year Conventional Purchase 6.01% 9/1/24
    15 Year Conventional Refi 6.12% 9/1/24
    15 Year Cash-out Refi 6.12% 9/1/24
    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

    480

    Origination Dollar Volume (All Markets)

    $92,690,000
    Show all (5) 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) 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%
    Hnb National Bank's top markets include Hannibal, St. Joseph, Quincy, St. Louis, and Kansas City among others.

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

    D.W. BROWN MORTGAGE CORP.
    Similarity Rank: 59
    First Bankers Trust Company
    Similarity Rank: 100
    Ozarks Federal Savings and Loan Association
    Similarity Rank: 126
    Community Mortgage Banc Corporation
    Similarity Rank: 171
    MAINSTREET FEDERAL CREDIT UNION
    Similarity Rank: 175
    HomeBank
    Similarity Rank: 198
    First National Bank of Waterloo
    Similarity Rank: 216
    Gateway Metro Federal Credit Union
    Similarity Rank: 240
    FRONTIER COMMUNITY CREDIT UNION
    Similarity Rank: 354
    MORTGAGE SOLUTIONS LLC
    Similarity Rank: 368

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 480 $92,690,000 $193,104 $1,351 5.01%

    For 2022, Hnb National Bank's most frequently originated type of loan was Conventional, with 480 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 261 $45,085,000 $172,739 $1,527 5.03%
    Refi 120 $36,560,000 $304,667 $1,217 4.90%
    Cash Out Refi 45 $7,415,000 $164,778 $1,469 4.77%
    Other 33 $2,485,000 $75,303 $1,011 5.43%
    Home Improvement 21 $1,145,000 $54,524 $784 5.29%

    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.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 281 $66,195,000 $235,569 $1,459 5.05%
    20 Year 84 $10,320,000 $122,857 $1,161 5.06%
    15 Year 35 $6,135,000 $175,286 $1,360 4.30%
    Other 30 $5,540,000 $184,667 $987 5.17%
    10 Year 25 $1,615,000 $64,600 $845 4.96%
    1 Year 12 $2,380,000 $198,333 $1,308 5.20%
    5 Year 9 $195,000 $21,667 $663 5.40%
    30+ year 2 $280,000 $140,000 $1,788 4.63%
    3 Year 2 $30,000 $15,000 $413 6.44%

    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
    $<1k 310 $65,830,000 $212,355
    $3k-4k 1 $155,000 $155,000

    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.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 183 $28,885,000 $157,842
    4-5% 143 $37,735,000 $263,881
    3-4% 82 $14,920,000 $181,951
    6-7% 52 $7,200,000 $138,462
    2.5-3% 13 $3,005,000 $231,154
    7-8% 6 $760,000 $126,667
    <2.5% 1 $185,000 $185,000

    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.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 180 $10,850,000 $60,278 $1,042 5.19%
    $100k-200k 160 $23,340,000 $145,875 $1,464 4.88%
    $200k-400k 113 $30,595,000 $270,752 $1,501 4.95%
    $400k-600k 16 $7,640,000 $477,500 $1,712 5.06%
    $600k-1MM 8 $5,290,000 $661,250 $1,376 4.52%
    $1MM+ 3 $14,975,000 $4,991,667 $1,778 4.46%

    2022 saw Hnb National Bank place emphasis on $100,000 or less loans with 180 originations, totaling $10,850,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 105 $21,635,000 $206,048 $1,461 5.13%
    $50k-75k 89 $24,085,000 $270,618 $1,354 4.83%
    $50k or less 80 $6,630,000 $82,875 $1,270 5.24%
    $75k-100k 72 $10,210,000 $141,806 $1,311 4.96%
    $150k-250k 40 $9,480,000 $237,000 $1,549 4.86%
    $250k+ 39 $11,055,000 $283,462 $1,275 4.63%

    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

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 121 $21,325,000 $176,240 $1,345 4.85%
    30-36% 76 $11,880,000 $156,316 $1,285 5.06%
    <20% 56 $18,850,000 $336,607 $1,406 4.59%
    38% 20 $3,530,000 $176,500 $1,350 5.03%
    36% 16 $3,180,000 $198,750 $1,323 5.04%
    40% 14 $1,790,000 $127,857 $1,183 5.16%
    42% 12 $1,960,000 $163,333 $1,405 4.68%
    39% 11 $2,545,000 $231,364 $1,481 4.69%
    37% 11 $1,425,000 $129,545 $1,347 5.76%
    41% 11 $2,165,000 $196,818 $1,045 4.97%
    43% 10 $1,920,000 $192,000 $1,472 4.85%
    45% 9 $1,855,000 $206,111 $1,533 4.63%
    >60% 4 $650,000 $162,500 $1,275 5.22%
    44% 4 $690,000 $172,500 $2,224 5.16%
    47% 4 $890,000 $222,500 $1,692 5.50%
    50-60% 4 $1,170,000 $292,500 $1,168 6.25%
    48% 3 $605,000 $201,667 $1,412 5.25%
    49% 2 $560,000 $280,000 $1,395 5.44%
    46% 2 $580,000 $290,000 $1,791 6.06%

    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.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 397 $77,305,000 $194,723 $1,345 4.98%
    Not provided 32 $7,570,000 $236,563 $1,459 5.07%
    Not applicable 42 $6,190,000 $147,381 $0 5.34%
    Asian 3 $765,000 $255,000 $1,489 4.08%
    Black 3 $345,000 $115,000 $1,217 5.42%
    Asian Indian 1 $305,000 $305,000 $0 3.50%
    American Indian 2 $210,000 $105,000 $0 4.50%

    Approval Rates

    Total approvals of all applications
    93.71%

    Hnb National Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    87.71%

    Hnb National Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 480 $92,690,000 $193,104

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    480 $92,690,000 $193,104

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 41 $4,425,000 $107,927 $1,184 5.15%
    40-60% 84 $15,190,000 $180,833 $1,427 4.97%
    60-80% 174 $35,120,000 $201,839 $1,361 5.04%
    80-100% 135 $23,785,000 $176,185 $1,572 4.92%
    Over 100% 2 $12,080,000 $6,040,000 $1,597 4.69%
    Under 20% 44 $2,090,000 $47,500 $723 5.17%

    Complaints

    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%