# HNB National Bank

> **Canonical URL:** https://saferate.com/lenders/hnb-national-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

HNB National Bank is a bank, headquartered in Hannibal, MO, serving borrowers across 3 states, with 214 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 30% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 37% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300P8K0GPRS1CUS51
- **Headquarters:** Hannibal, MO
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** IL, KS, MO
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 70/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 63/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.096%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $467
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 214
- **Dollar Volume:** $52 million
- **Applications Received:** 270
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $245,234
- **Average Borrower Income:** $126,953

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (77%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 62/100 | 207 | +0.101% | $467 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 129 loans, Score: 56/100 (Sound)
- Refinance: 78 loans, Score: 69/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 53/100 | 134 | $32M | +0.139% | Sound ☺️ |
| Refinance | 67/100 | 80 | $20M | +0.030% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MO | 207 | 0.28% | 75/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 118 | 61/100 |
| St. Joseph, MO | MO-KS | 50 | 85/100 |
| St. Louis, MO | MO-IL | 31 | 57/100 |
| Kansas City, MO | MO-KS | 10 | 43/100 |

## Frequently Asked Questions

### What loan types does HNB National Bank offer?

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

### Where does HNB National Bank offer mortgages?

HNB National Bank offers mortgages in 3 states: IL, KS, MO.

### How competitive are HNB National Bank's mortgage rates?

HNB National Bank has a pricing score of 70/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.096% above market average.

### What type of lender is HNB National Bank?

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

### What is HNB National Bank's loan approval success rate?

HNB National Bank has a pull-through score of 63/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/hnb-national-bank

### How to Cite

> "HNB National Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/hnb-national-bank

---

**[View Interactive Profile →](https://saferate.com/lenders/hnb-national-bank)**