What loan types does Hawthorn Bank offer?

Hawthorn Bank offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing score and performance metrics.

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 an overall pricing score of 78.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Hawthorn Bank?

Hawthorn Bank is a Bank headquartered in Jefferson City, MO.

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Hawthorn Bank

Bank•Jefferson City, MOHQ•Direct•Reviews near you on Google

Hawthorn Bank has 187 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

Sound

3/5

closing strength

Product

Sound

3/5

FHA · Conventional · VA

Place

Strong

4/5

Multi-Region · 4 mkts

Awards

FHA

Superstar

Refinance

Superstar

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Explore another lender or local market

Report Card

Hawthorn Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+7.0 bps above market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

FHA

Sound

Top 60% of lenders

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Sound

Top 60% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 5 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Strong	Sound	139	74.3%	+0.141%Above	$1,067Fees
FHA Loans	Strong	Sound	Exceptional	Sound	27	14.4%	+0.094%Above	$876Fees
VA Loans	Sound	Sound	—	—	13	7.0%	-0.683%Below	$1,423Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume139

Mix74.3%

Spread

+0.141%Above

Fees

$1,067Fees

FHA Loans

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume27

Mix14.4%

Spread

+0.094%Above

Fees

$876Fees

VA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through—

Volume13

Mix7.0%

Spread

-0.683%Below

Fees

$1,423Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Strong	Sound	148	79.1%	+0.062%Above	$1,046Fees
Refinance	Strong	Sound	Strong	Sound	39	20.9%	+0.098%Above	$1,112Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume148

Mix79.1%

Spread

+0.062%Above

Fees

$1,046Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume39

Mix20.9%

Spread

+0.098%Above

Fees

$1,112Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

187

Applications

287

Volume

$51 million

Pricing & Closing

Avg Rate Spread

+0.070%

vs. market APOR

Avg Net Fees

$1,060

Origination − Credits

Pullthrough Rate

65.2%

Applications → Closed

Typical Borrower

Avg Loan Amount

$272,861

Avg Borrower Income

$124,171

Avg Property Value

$373,663

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

Midwest4

IAKSMIMO

South3

FLTXVA

West1

Top Metro Areas by Place Specialization Score

Springfield, MOMetro

Volume 47Mix 25.13% of portfolio

69/100

Strong

Jefferson City, MOMetro

Volume 31Mix 16.58% of portfolio

68/100

Strong

Columbia, MOMetro

Volume 21Mix 11.23% of portfolio

58/100

Sound

Kansas City, MO, MO-KSMetro

Volume 35Mix 18.72% of portfolio

58/100

Sound

Top States by Place Specialization Score

MissouriState

Volume 175Mix 93.58% of portfolio

73/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 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.