# Hawthorn Bank

> **Canonical URL:** https://saferate.com/lenders/hawthorn-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Hawthorn Bank is a bank, headquartered in Jefferson City, MO, serving borrowers across 8 states, with 187 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 21% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 54% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 54930023DLYUOD6GKQ42
- **Headquarters:** Jefferson City, MO
- **Geographic Reach:** Multi-Region
- **States Served:** 8
- **State List:** CO, FL, IA, KS, MI, MO, TX, VA
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 79/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 46/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.070%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,060
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 187
- **Dollar Volume:** $51 million
- **Applications Received:** 287
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $272,861
- **Average Borrower Income:** $124,171
- **Average Property Value:** $373,663

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 51/100 | 139 | +0.141% | $1,067 | Sound ☺️ |
| FHA | 57/100 | 27 | +0.094% | $876 | Sound ☺️ |
| VA | 56/100 | 13 | -0.683% | $1,423 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 106 loans, Score: 47/100 (Sound)
- Refinance: 33 loans, Score: 54/100 (Sound)

**FHA:**
- Purchase: 22 loans, Score: 53/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 51/100 | 148 | $43M | +0.062% | Sound ☺️ |
| Refinance | 55/100 | 39 | $8M | +0.098% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MO | 175 | 0.23% | 73/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Springfield, MO | MO | 47 | 69/100 |
| Non |  | 45 | 46/100 |
| Kansas City, MO | MO-KS | 35 | 58/100 |
| Jefferson City, MO | MO | 31 | 68/100 |
| Columbia, MO | MO | 21 | 58/100 |

## Where This Lender Ranks

Hawthorn Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Jefferson City, MO for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/jefferson-city-mo/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Columbia, MO Banks
  - [View Full Rankings](https://saferate.com/columbia-mo/best-mortgage-lenders/banks)
- 🏆 **#5** in Jefferson City, MO
  - [View Full Rankings](https://saferate.com/jefferson-city-mo/best-mortgage-lenders)
- 🏆 **#7** in Springfield, MO Banks
  - [View Full Rankings](https://saferate.com/springfield-mo/best-mortgage-lenders/banks)
- 🏆 **#7** in Springfield, MO for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/springfield-mo/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#10** in Jefferson City, MO for Conventional Loans
  - [View Full Rankings](https://saferate.com/jefferson-city-mo/best-mortgage-lenders/conventional-loans)
- 🏆 **#11** in Missouri for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#11** in Columbia, MO
  - [View Full Rankings](https://saferate.com/columbia-mo/best-mortgage-lenders)
- 🏆 **#13** in Columbia, MO for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/columbia-mo/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#15** in Springfield, MO
  - [View Full Rankings](https://saferate.com/springfield-mo/best-mortgage-lenders)
- 🏆 **#17** in Springfield, MO for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/springfield-mo/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#17** in Springfield, MO for FHA Loans
  - [View Full Rankings](https://saferate.com/springfield-mo/best-mortgage-lenders/fha-loans)
- 🏆 **#19** in Missouri Banks
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/banks)
- 🏆 **#19** in Missouri for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/banks/fha-loans)

## Frequently Asked Questions

### What loan types does Hawthorn Bank offer?

Hawthorn Bank offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Hawthorn Bank offer mortgages?

Hawthorn Bank offers mortgages in 8 states: CO, FL, IA, KS, MI, MO, TX, VA.

### How competitive are Hawthorn Bank's mortgage rates?

Hawthorn Bank has a pricing score of 79/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.070% above market average.

### What type of lender is Hawthorn Bank?

Hawthorn Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Jefferson City, MO.

### What is Hawthorn Bank's loan approval success rate?

Hawthorn Bank has a pull-through score of 46/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/hawthorn-bank

### How to Cite

> "Hawthorn Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/hawthorn-bank

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