What loan types does HNB National Bank offer?

HNB National Bank offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does HNB National Bank offer mortgages?

HNB National Bank offers mortgages in 3 states: IL, KS, MO.

How competitive are HNB National Bank's mortgage rates?

HNB National Bank has an overall pricing score of 70.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is HNB National Bank?

HNB National Bank is a Bank headquartered in Hannibal, MO.

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HNB National Bank

Bank•Hannibal, MOHQ•Direct•Reviews near you on Google

HNB National Bank has 214 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

Conventional

Place

Strong

4/5

Regional · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees
Strong pull through performance

Explore another lender or local market

Report Card

HNB National Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+9.6 bps above market avg

4/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

207 loans · 0.10% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

134 loans · 0.14% above market

Sound

Top 60% of lenders

3/5

Refinance

80 loans · 0.03% above market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Regional · 4 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Strong	Strong	Exceptional	207	96.7%	+0.101%Above	$467Fees

Conventional

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Exceptional

Volume207

Mix96.7%

Spread

+0.101%Above

Fees

$467Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Strong	Sound	134	62.6%	+0.139%Above	$467Fees
Refinance	Strong	Strong	Sound	Exceptional	80	37.4%	+0.030%Above	$468Fees

Purchase

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume134

Mix62.6%

Spread

+0.139%Above

Fees

$467Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Exceptional

Volume80

Mix37.4%

Spread

+0.030%Above

Fees

$468Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

214

Applications

270

Volume

$52 million

Pricing & Closing

Avg Rate Spread

+0.096%

vs. market APOR

Avg Net Fees

$467

Origination − Credits

Pullthrough Rate

79.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$245,234

Avg Borrower Income

$126,953

Avg Property Value

$371,869

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

3Full-year 2024 · HMDA

Loans originated

< 200200+None

Midwest3

ILKSMO

Top Metro Areas by Place Specialization Score

St. Joseph, MO, MO-KSMetro

Volume 50Mix 23.36% of portfolio

85/100

Exceptional

St. Louis, MO, MO-ILMetro

Volume 31Mix 14.49% of portfolio

57/100

Sound

Kansas City, MO, MO-KSMetro

Volume 10Mix 4.67% of portfolio

43/100

Sound

Top States by Place Specialization Score

MissouriState

Volume 207Mix 96.73% of portfolio

75/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.