HNB National Bank in Missouri vs the state
6.3%Denial rate-8.74 pts vs state
6.3%Decision denial rate-12.37 pts vs state
87.6%Origination rate+24.89 pts vs state
7.00%Median rate+0.38 pts vs state
0.34Rate spread (pts)-0.01 pts vs state
$100kMedian applicant income
429Loans originated
31Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 461 | 402 | 4.8% | 6.95% | #79 |
| 2024 | 477 | 399 | 7.3% | 7.38% | #85 |
| 2025 | 490 | 429 | 6.3% | 7.00% | #91 |
What HNB National Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most HNB National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marion County | 113 | 101 | 6 | 5.3% |
| Buchanan County | 64 | 54 | 5 | 7.8% |
| Ralls County | 50 | 45 | 3 | 6.0% |
| Pike County | 49 | 43 | 5 | 10.2% |
| Lincoln County | 45 | 39 | 4 | 8.9% |
| Andrew County | 32 | 28 | 1 | 3.1% |
| St. Charles County | 24 | 22 | 0 | 0.0% |
| Monroe County | 18 | 16 | 1 | 5.6% |
| Gentry County | 17 | 13 | 2 | 11.8% |
| Nodaway County | 12 | 9 | 2 | 16.7% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 490 applications in 2025, of which 429 were originated and 31 denied.
6.3% of all applications, or 6.3% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans HNB National Bank originated in Missouri in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are HNB National Bank's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology