Applications / Mortgage Analytics / Lenders / Wyoming / Hilltop National Bank
Casper, WY · National bank · OCC · $1.2 billion assets · 220 loans in 2025
Hilltop National Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
220
loans originated, 2025
264
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Hilltop National Bank ranks 2 of 139 lenders in Casper, and it makes government-backed loans that the typical similar bank does not.
Loans insured by the Federal Housing Administration (FHA) made up 22.7% of its lending in 2025, up from 9.8% in 2020, and loans guaranteed by the Department of Veterans Affairs (VA) 7.3%. The typical similar lender, a national bank making between half and twice as many loans, made neither.
Low- and moderate-income (LMI) borrowers took 39.0% of its loans, a higher share than at nine in ten similar lenders, which fits its FHA lending. Its denial rate on purchase applications, 2.4%, was lower than at more than four in five of them. None of its loans was in a majority-minority area; its markets in Wyoming may have few such areas.
Its share of Casper fell to 8.4% from 12.6%; Guild Mortgage Company leads. Its loan count rose 5% while its dollars fell to $51.5 million from $61.7 million, so stronger competitors or a change in its own loan mix are possible reasons. It ranks 68 of 314 lenders in non-metro Wyoming.
Its loans fell from 400 in 2020 to 141 in 2023 and have since risen to 220. Its growth in 2025 was in line with similar lenders' 5%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Hilltop National Bank took 264 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 78.2% · Refinance 13.6% · Other 5.5% · Home improvement 2.7%
Conventional 70.0% · FHA 22.7% · VA 7.3% · of 220 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Wyoming | 219 | 99.5% |
| Florida | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Casper | 192 |
| Cheyenne | 6 |
| Punta Gorda | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KJI3KX8KY2FG10 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1454 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 115359 | 1990–2017 |
Established 27 July 1964. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Hilltop National Bank's data.
Hilltop National Bank's data
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Hilltop National Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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