HNB National Bank
HNB National Bank received 499 applications in 2025 and made 436 mortgages, in 43 counties across 4 states. The median rate its borrowers got was 7.000% on a median loan of $155,000. Of 499 decisions, 31 were denials — 6.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300P8K0GPRS1CUS51 |
|---|---|
| Applications received | 499 |
| Mortgages made | 436 |
| Denied | 31 |
| Approved, not taken up | 32 |
| Withdrawn or incomplete | 0 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.338 points |
| FDIC-insured bank | Yes: HNB National Bank, 17 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 227 | 7.000% | $165,000 | 6.8% |
| Refinancing | 142 | 7.000% | $205,000 | 2.0% |
| Cash-out refinancing | 11 | 6.375% | $245,000 | 15.8% |
| Other purposes | 56 | 7.250% | $45,000 | 10.6% |
Where HNB National Bank lends most
The 43 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Marion County, MO | 101 | 7.000% | 5.3% |
| Buchanan County, MO | 54 | 7.313% | 7.8% |
| Ralls County, MO | 45 | 7.000% | 6.0% |
| Pike County, MO | 43 | 7.000% | 10.2% |
| Lincoln County, MO | 39 | 7.000% | 8.9% |
| Andrew County, MO | 28 | 7.250% | 3.1% |
| St. Charles County, MO | 22 | 7.063% | 0.0% |
| Monroe County, MO | 16 | 7.250% | 5.6% |
| Gentry County, MO | 13 | 6.875% | 11.8% |
| Nodaway County, MO | 9 | Under 10 loans | 16.7% |
| Audrain County, MO | 8 | Under 10 loans | 11.1% |
| Boone County, MO | 6 | Under 10 loans | 0.0% |
| St. Louis County, MO | 6 | Under 10 loans | 0.0% |
| Camden County, MO | 4 | Under 10 loans | 0.0% |
| Clay County, MO | 4 | Under 10 loans | 0.0% |
| Franklin County, MO | 4 | Under 10 loans | 0.0% |
| Warren County, MO | 4 | Under 10 loans | 0.0% |
| Platte County, MO | 3 | Under 10 loans | 0.0% |
| Callaway County, MO | 2 | Under 10 loans | 0.0% |
| Clinton County, MO | 2 | Under 10 loans | 0.0% |
| DeKalb County, MO | 2 | Under 10 loans | 0.0% |
| Lewis County, MO | 2 | Under 10 loans | 0.0% |
| Madison County, IL | 1 | Under 10 loans | 0.0% |
| Pike County, IL | 1 | Under 10 loans | 0.0% |
| Sangamon County, IL | 1 | Under 10 loans | 0.0% |
| Lee County, IA | 1 | Under 10 loans | 0.0% |
| Doniphan County, KS | 1 | Under 10 loans | 0.0% |
| Douglas County, KS | 1 | Under 10 loans | 0.0% |
| Johnson County, KS | 1 | Under 10 loans | 0.0% |
| Atchison County, MO | 1 | Under 10 loans | 0.0% |
| Christian County, MO | 1 | Under 10 loans | 0.0% |
| Daviess County, MO | 1 | Under 10 loans | 0.0% |
| Gasconade County, MO | 1 | Under 10 loans | 0.0% |
| Harrison County, MO | 1 | Under 10 loans | 0.0% |
| Holt County, MO | 1 | Under 10 loans | 0.0% |
| Jefferson County, MO | 1 | Under 10 loans | 0.0% |
| Knox County, MO | 1 | Under 10 loans | 0.0% |
| Linn County, MO | 1 | Under 10 loans | 0.0% |
| Mercer County, MO | 1 | Under 10 loans | 0.0% |
| Montgomery County, MO | 1 | Under 10 loans | 0.0% |
| St. Louis city, MO | 1 | Under 10 loans | 0.0% |
| Adams County, IL | 0 | Under 10 loans | 0.0% |
| Jackson County, MO | 0 | Under 10 loans | 100.0% |
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When HNB National 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.