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Hilltop National Bank

Casper, WY

Hilltop National Bank processed 235 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 209 loans with a 3.4% denial rate. Home Purchase was the primary loan purpose. Based in Casper, WY. The approval rate of 88.9% 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. Hilltop National Bank processed 235 HMDA-reported mortgage applications in 2024, originating 209 loans and denying 8 for a denial rate of 3.4% (applicants themselves withdrew 18 files before a decision). The average loan amount was $288,574. The lender reports under LEI 549300KJI3KX8KY2FG10 from Casper, WY.

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several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Hilltop National Bank's 88.9% origination rate tells you how often an application turned into funded money; the 3.4% 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, Other, which together explain the majority of rejections. Most activity concentrated in Conventional loans (181 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.

235
Applications
209
Originated
3.4%
Denial Rate
$288,574
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 181 165 4 $292,956
FHA 40 32 3 $256,250
VA 14 12 1 $324,286

Top loan types — Hilltop National Bank

Top loan types — Hilltop National Bank Horizontal bar chart of the top 3 items by value (applications). Top loan types — Hilltop National Bank Top 3 1. Conventional 181 2. FHA 40 3. VA 14 Top 5 loan types by application volume at Hilltop National 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 Hilltop National Bank (LEI: 549300KJI3KX8KY2FG10) · 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
3
Credit history
3
Other
1
Collateral
1
Employment history
1
Unverifiable information
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 178 162 $232,135
Cash-out Refinancing 27 21 $165,741
Home Improvement 14 12 $112,857
Refinancing 14 12 $297,857
Other 2 2 $8,135,000

Geographic Coverage — Lending by Race

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

Race Applications Approval Rate Denial Rate
White 182 87.9% 3.3%
American Indian or Alaska Native 6 66.7% 16.7%
Joint 3 66.7% 33.3%
Asian 2 100.0% 0.0%
Black or African American 1 100.0% 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 179 87.7% 3.9%
Hispanic or Latino 7 100.0% 0.0%
Joint 5 60.0% 0.0%

Nearby Lenders in WY

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

WALLICK AND VOLK, INC.

CHEYENNE, WY

1,715 apps 1,322 originated 5.7% denied

Blue Federal Credit Union

Cheyenne, WY

1,051 apps 514 originated 23.8% denied

UNIWYO FEDERAL CREDIT UNION

LARAMIE, WY

644 apps 424 originated 14.9% denied

Meridian Trust Federal Credit Union

Cheyenne, WY

510 apps 231 originated 21.0% denied

Jonah Bank

Cheyenne, WY

439 apps 401 originated 2.0% denied
Compare Hilltop National Bank vs WALLICK AND VOLK, INC. →

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

Explore More Data

Bank Financial Data → Credit Union Data → Financial Advisor Lookup → Home Insurance Costs → Property Tax Data → Rent Price Data →

Frequently Asked Questions

How many mortgage applications did Hilltop National Bank process?
Hilltop National Bank processed 235 mortgage applications in the 2023 HMDA reporting year. Of these, 209 were originated (approved and funded), 18 were withdrawn by the applicant, and 8 were denied.
What is Hilltop National Bank's mortgage approval rate?
Hilltop National Bank has an approval (origination) rate of 88.9%, meaning 88.9% of all applications resulted in a funded mortgage. The denial rate is 3.4%.
What is the average loan amount at Hilltop National Bank?
The average mortgage loan amount at Hilltop National Bank is $288,574.
What are the most common reasons for mortgage denial at Hilltop National Bank?
The most common reasons for mortgage denial at Hilltop National Bank are: Debt-to-income ratio, Credit history, Other. In total, 8 applications were denied out of 235 total applications.
What types of mortgage loans does Hilltop National Bank offer?
Hilltop National Bank processes Conventional, FHA, VA loans. The most common type is Conventional with 181 applications and an average loan amount of $292,956.
What loan purposes does Hilltop National Bank serve?
Hilltop National Bank serves the following loan purposes: Home Purchase (178 applications), Cash-out Refinancing (27 applications), Home Improvement (14 applications), Refinancing (14 applications), Other (2 applications). Home Purchase is the most common purpose.
Where is Hilltop National Bank located?
Hilltop National Bank is headquartered in Casper, WY. The lender is identified by LEI 549300KJI3KX8KY2FG10 in HMDA data.
How does Hilltop National Bank compare in lending across racial demographics?
Hilltop National Bank reports demographic lending data under HMDA requirements. White applicants have an approval rate of 87.9% and denial rate of 3.3%; American Indian or Alaska Native applicants have an approval rate of 66.7% and denial rate of 16.7%; Joint applicants have an approval rate of 66.7% and denial rate of 33.3%. 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.