HNB FIRST BANK
HNB FIRST BANK received 113 applications in 2025 and made 81 mortgages, in 11 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $85,000. Of 110 decisions, 15 were denials — 13.6%.
| Legal Entity Identifier | 254900VH8KY0194IAU87 |
|---|---|
| Applications received | 113 |
| Mortgages made | 81 |
| Denied | 15 |
| Approved, not taken up | 14 |
| Withdrawn or incomplete | 3 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: HNB First Bank, 4 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 42 | Not published | $95,000 | 13.1% |
| Refinancing | 20 | Not published | $125,000 | 18.5% |
| Other purposes | 19 | Not published | $35,000 | 9.1% |
Where HNB FIRST BANK lends most
The 11 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Henry County, AL | 33 | Not published | 8.9% |
| Houston County, AL | 31 | Not published | 17.1% |
| Jackson County, FL | 4 | Under 10 loans | 0.0% |
| Quitman County, GA | 4 | Under 10 loans | 0.0% |
| Dale County, AL | 3 | Under 10 loans | 25.0% |
| Lee County, AL | 3 | Under 10 loans | 0.0% |
| Barbour County, AL | 1 | Under 10 loans | 50.0% |
| Jefferson County, AL | 1 | Under 10 loans | 0.0% |
| Gulf County, FL | 1 | Under 10 loans | 0.0% |
| Geneva County, AL | 0 | Under 10 loans | 0.0% |
| Washington County, FL | 0 | Under 10 loans | 100.0% |
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When HNB FIRST BANK’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.