Sixth in St. Joseph
Its share there rose to 4.2% from 3.9%, and it has lent in the market since at least 1990. Fairway Independent Mortgage led. Its largest market is non-metro Missouri, where it ranked 22 of 640.
Applications / Mortgage Analytics / Lenders / Missouri / HNB National Bank
HNB National Bank
Hannibal, MO · National bank · OCC · $968 million assets · 436 loans in 2025
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436
loans originated, 2025
499
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
HNB National Bank, a Missouri national bank, makes smaller loans than its peers and is a big name in St. Joseph, KS-MO, where it ranked sixth of 186 lenders in 2025.
Steady after the boom
It made 436 loans in 2025, up 7%, against 5% at similar lenders, national banks making between half and twice as many loans. Its count peaked at 1,255 in 2020 and has stayed between 408 and 480 a year since 2022.
Smaller loans
Its typical loan was $155,000, against $205,000 at peers, lower than at about three in four. Every 2025 loan was conventional. Purchases made up 52.1% of its lending and refinances 35.1%.
Thin in poorer neighborhoods
Low- and moderate-income (LMI) neighborhoods took 9.9% of its loans, against 15.8% at peers, lower than at more than four in five of them. Majority-minority neighborhoods took 0.5%, against 7.3%, among the lowest tenth. It lends mostly in non-metro Missouri and smaller metros, and the make-up of those places may account for much of the gap. LMI borrowers took 23.4%, closer to peers' 27.1%.
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
436 loans in 2025, against a peak of 1,255 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. HNB National Bank took 499 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
52.1% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 52.1% · Refinance 35.1% · Home improvement 7.1% · Other 5.7%
Conventional 100.0% · of 436 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
4 states, 8 metros, 41 counties
| State | Loans | Share |
|---|---|---|
| Missouri | 429 | 98.4% |
| Illinois | 3 | 0.7% |
| Kansas | 3 | 0.7% |
| Iowa | 1 | 0.2% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| St. Joseph | 85 |
| St. Louis | 78 |
| Kansas City | 10 |
| Columbia | 6 |
| Jefferson City | 2 |
| Lawrence | 1 |
| Springfield | 1 |
| Springfield | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300P8K0GPRS1CUS51 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 908553 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 16635 | 2005–2017 |
Established 1 January 1888. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: HNB National Bank's data.
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