HNB 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%
66th6.2% deniedPricingmedian rate spread over APOR, weight 30%
42nd0.34 ptsProcesswithdrawn + incomplete share, weight 15%
95th0.0%Closing coststotal loan costs ÷ loan amount, weight 10%
84th1.03% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 475 | 410 | 5.1% | 5.1% | 6.98% | $76M |
| 2024 | 492 | 408 | 7.5% | 7.6% | 7.38% | $84M |
| 2025 | 499 | 436 | 6.2% | 6.2% | 7.00% | $94M |
What HNB 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, 8 manufactured homes, 125 investment properties.
Why HNB National Bank denies applications
Primary reason reported for each of the 31 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at HNB 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 | 60 | 44 | 16.7% |
| $50k – $100k | 149 | 130 | 5.4% |
| $100k – $150k | 102 | 92 | 5.9% |
| $150k – $250k | 65 | 55 | 1.5% |
| Over $250k | 45 | 43 | 2.2% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 36 | 33 | 2.8% |
| 25–34 | 104 | 88 | 5.8% |
| 35–44 | 111 | 98 | 5.4% |
| 45–54 | 68 | 57 | 11.8% |
| 55–64 | 62 | 49 | 9.7% |
| 65–74 | 42 | 37 | 4.8% |
Where HNB National Bank lends
4 states and 43 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
HNB National Bank denied 6.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 66th percentile of small mortgage lenders.
The most common reason HNB National Bank gave in 2025 was "credit history", cited on 45.2% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans HNB National Bank originated in 2025 was 7.00%, and its median rate spread over the average prime offer rate was 0.34 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 53% of its applications were for home purchases, 33% for refinancing (including cash-out), and 13% for home improvement or other purposes. By loan type: 99% 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.