PlainLender

HAWTHORN BANK

JEFFERSON CITY, MO

HAWTHORN BANK processed 661 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 427 loans with a 15.3% denial rate. Home Purchase was the primary loan purpose. Based in JEFFERSON CITY, MO. The approval rate of 64.6% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. HAWTHORN BANK processed 661 HMDA-reported mortgage applications in 2024, originating 427 loans and denying 101 for a denial rate of 15.3% (applicants themselves withdrew 115 files before a decision). The average loan amount was $191,793 at a 7.349% average note rate, and applicants self-reported an average income of $34,000. The lender reports under LEI 54930023DLYUOD6GKQ42 from JEFFERSON CITY, MO.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. HAWTHORN BANK's 64.6% origination rate tells you how often an application turned into funded money; the 15.3% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Credit history, Collateral, which together explain the majority of rejections. Most activity concentrated in Conventional loans (572 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

661
Applications
427
Originated
15.3%
Denial Rate
$191,793
Avg Loan Amount
Avg Interest Rate: 7.349% Avg Applicant Income: $34,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 572 376 86 $185,612
FHA 63 30 14 $204,206
VA 15 14 0 $377,000
USDA 11 7 1 $189,545

Top loan types — HAWTHORN BANK

Top loan types — HAWTHORN BANK Horizontal bar chart of the top 4 items by value (applications). Top loan types — HAWTHORN BANK Top 4 1. Conventional 572 2. FHA 63 3. VA 15 4. USDA 11 Top 5 loan types by application volume at HAWTHORN BANK (HMDA 2023). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for HAWTHORN BANK (LEI: 54930023DLYUOD6GKQ42) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
43
Credit history
33
Collateral
16
Other
10
Employment history
5
Unverifiable information
4
Insufficient cash
1
Credit application incomplete
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 276 205 $261,449
Other 261 156 $110,326
Refinancing 51 29 $268,725
Cash-out Refinancing 51 30 $195,980
Home Improvement 8 7 $130,000

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 515 64.1% 16.5%
Joint 18 55.6% 27.8%
Black or African American 17 58.8% 17.6%
Asian 8 62.5% 25.0%
American Indian or Alaska Native 1 100.0% 0.0%
2 or more minority races 1 100.0% 0.0%
Native Hawaiian or Other Pacific Islander 1 0.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 516 64.7% 15.9%
Hispanic or Latino 16 50.0% 31.3%
Joint 7 42.9% 28.6%

Nearby Lenders in MO

Other HMDA-reporting lenders in MO with similar activity. Compare any two side-by-side.

Mortgage Research Center

Columbia, MO

147,700 apps 73,759 originated 15.9% denied

NBKC BANK

KANSAS CITY, MO

18,437 apps 7,830 originated 6.9% denied

FLAT BRANCH MORTGAGE, INC.

COLUMBIA, MO

17,606 apps 13,902 originated 1.5% denied

DAS ACQUISITION COMPANY, LLC

SAINT LOUIS, MO

12,120 apps 7,831 originated 2.1% denied

THE CENTRAL TRUST BANK

JEFFERSON CITY, MO

11,306 apps 7,513 originated 8.9% denied
Compare HAWTHORN BANK vs Mortgage Research Center →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

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Frequently Asked Questions

How many mortgage applications did HAWTHORN BANK process?
HAWTHORN BANK processed 661 mortgage applications in the 2023 HMDA reporting year. Of these, 427 were originated (approved and funded), 115 were withdrawn by the applicant, and 101 were denied.
What is HAWTHORN BANK's mortgage approval rate?
HAWTHORN BANK has an approval (origination) rate of 64.6%, meaning 64.6% of all applications resulted in a funded mortgage. The denial rate is 15.3%.
What is the average loan amount at HAWTHORN BANK?
The average mortgage loan amount at HAWTHORN BANK is $191,793. The average interest rate is 7.349%. The average applicant income is $34,000.
What are the most common reasons for mortgage denial at HAWTHORN BANK?
The most common reasons for mortgage denial at HAWTHORN BANK are: Debt-to-income ratio, Credit history, Collateral. In total, 101 applications were denied out of 661 total applications.
What types of mortgage loans does HAWTHORN BANK offer?
HAWTHORN BANK processes Conventional, FHA, VA, USDA loans. The most common type is Conventional with 572 applications and an average loan amount of $185,612.
What loan purposes does HAWTHORN BANK serve?
HAWTHORN BANK serves the following loan purposes: Home Purchase (276 applications), Other (261 applications), Refinancing (51 applications), Cash-out Refinancing (51 applications), Home Improvement (8 applications). Home Purchase is the most common purpose.
Where is HAWTHORN BANK located?
HAWTHORN BANK is headquartered in JEFFERSON CITY, MO. The lender is identified by LEI 54930023DLYUOD6GKQ42 in HMDA data.
How does HAWTHORN BANK compare in lending across racial demographics?
HAWTHORN BANK reports demographic lending data under HMDA requirements. White applicants have an approval rate of 64.1% and denial rate of 16.5%; Joint applicants have an approval rate of 55.6% and denial rate of 27.8%; Black or African American applicants have an approval rate of 58.8% and denial rate of 17.6%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.