Hnb First Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C 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%
34th13.6% deniedProcesswithdrawn + incomplete share, weight 15%
87th2.7%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 78 | 68 | 10.3% | 10.4% | — | $6.1M |
| 2024 | 113 | 96 | 4.4% | 4.6% | — | $11M |
| 2025 | 113 | 81 | 13.3% | 13.6% | — | $11M |
What Hnb First 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, 31 manufactured homes, 40 investment properties.
Who gets approved at Hnb First Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 27 | 16 | 30.8% |
| $50k – $100k | 30 | 19 | 13.8% |
Where Hnb First Bank lends
3 states and 11 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Hnb First Bank denied 13.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 34th percentile of small mortgage lenders.
In 2025, 57% of its applications were for home purchases, 24% for refinancing (including cash-out), and 19% for home improvement or other purposes. By loan type: 98% conventional, 0% FHA, 0% 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.