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HNB National Bank

Hannibal, MO

HNB National Bank processed 566 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 408 loans with a 6.5% denial rate. Home Purchase was the primary loan purpose. Based in Hannibal, MO. The approval rate of 72.1% 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. HNB National Bank processed 566 HMDA-reported mortgage applications in 2024, originating 408 loans and denying 37 for a denial rate of 6.5% (applicants themselves withdrew 3 files before a decision). The average loan amount was $192,420 at a 7.198% average note rate, and applicants self-reported an average income of $32,000. The lender reports under LEI 549300P8K0GPRS1CUS51 from Hannibal, 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several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. HNB National Bank's 72.1% origination rate tells you how often an application turned into funded money; the 6.5% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Credit history, Debt-to-income ratio, Insufficient cash, which together explain the majority of rejections. Most activity concentrated in Conventional loans (526 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.

566
Applications
408
Originated
6.5%
Denial Rate
$192,420
Avg Loan Amount
Avg Interest Rate: 7.198% Avg Applicant Income: $32,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 526 405 31 $197,471
USDA 40 3 6 $126,000

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for HNB National Bank (LEI: 549300P8K0GPRS1CUS51) · 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

Credit history
23
Debt-to-income ratio
20
Insufficient cash
5
Employment history
5
Collateral
2
Unverifiable information
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 364 230 $195,907
Refinancing 116 110 $245,690
Other 31 24 $69,194
Home Improvement 31 29 $68,871
Cash-out Refinancing 24 15 $200,833

Geographic Coverage — Lending by Race

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

Race Applications Approval Rate Denial Rate
White 443 71.3% 6.3%
Joint 8 75.0% 0.0%
Asian 6 50.0% 16.7%
Black or African American 3 0.0% 66.7%

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 438 71.2% 6.6%
Hispanic or Latino 6 16.7% 33.3%
Joint 2 50.0% 0.0%

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 HNB National 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

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 HNB National Bank process?
HNB National Bank processed 566 mortgage applications in the 2023 HMDA reporting year. Of these, 408 were originated (approved and funded), 3 were withdrawn by the applicant, and 37 were denied.
What is HNB National Bank's mortgage approval rate?
HNB National Bank has an approval (origination) rate of 72.1%, meaning 72.1% of all applications resulted in a funded mortgage. The denial rate is 6.5%.
What is the average loan amount at HNB National Bank?
The average mortgage loan amount at HNB National Bank is $192,420. The average interest rate is 7.198%. The average applicant income is $32,000.
What are the most common reasons for mortgage denial at HNB National Bank?
The most common reasons for mortgage denial at HNB National Bank are: Credit history, Debt-to-income ratio, Insufficient cash. In total, 37 applications were denied out of 566 total applications.
What types of mortgage loans does HNB National Bank offer?
HNB National Bank processes Conventional, USDA loans. The most common type is Conventional with 526 applications and an average loan amount of $197,471.
What loan purposes does HNB National Bank serve?
HNB National Bank serves the following loan purposes: Home Purchase (364 applications), Refinancing (116 applications), Other (31 applications), Home Improvement (31 applications), Cash-out Refinancing (24 applications). Home Purchase is the most common purpose.
Where is HNB National Bank located?
HNB National Bank is headquartered in Hannibal, MO. The lender is identified by LEI 549300P8K0GPRS1CUS51 in HMDA data.
How does HNB National Bank compare in lending across racial demographics?
HNB National Bank reports demographic lending data under HMDA requirements. White applicants have an approval rate of 71.3% and denial rate of 6.3%; Joint applicants have an approval rate of 75.0% and denial rate of 0.0%; Asian applicants have an approval rate of 50.0% and denial rate of 16.7%. 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.