Hilltop National Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
78th3.9% deniedProcesswithdrawn + incomplete share, weight 15%
43rd13.3%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 176 | 141 | 6.3% | 7.2% | — | $26M |
| 2024 | 235 | 209 | 3.4% | 3.7% | — | $62M |
| 2025 | 264 | 220 | 3.4% | 3.9% | — | $52M |
What Hilltop National Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 6 manufactured homes, 30 investment properties.
Why Hilltop National Bank denies applications
Primary reason reported for each of the 9 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Hilltop National Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 25 | 19 | 13.6% |
| $50k – $100k | 99 | 80 | 4.8% |
| $100k – $150k | 80 | 67 | 0.0% |
| $150k – $250k | 22 | 21 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 28 | 22 | 0.0% |
| 25–34 | 70 | 60 | 1.6% |
| 35–44 | 57 | 50 | 2.0% |
| 45–54 | 40 | 35 | 5.4% |
| 55–64 | 25 | 15 | 21.1% |
Where Hilltop National Bank lends
2 states and 11 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Wyoming | 263 | 219 | 3.4% | — | #23 |
Frequently asked questions
Hilltop National Bank denied 3.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 78th percentile of small mortgage lenders.
The most common reason Hilltop National Bank gave in 2025 was "credit history", cited on 55.6% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 76% of its applications were for home purchases, 16% for refinancing (including cash-out), and 8% for home improvement or other purposes. By loan type: 69% conventional, 23% FHA, 8% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.