Lender in Iowa · HMDA 2025
Hills Bank and Trust Company mortgages in Iowa
Hills Bank and Trust Company's 2025 home-purchase and refinance lending in Iowa, compared with all lenders in the state.
Hills Bank and Trust Company originated 1,361 owner-occupied single-family loans in Iowa from 1,393 completed applications, making it the state's #5 lender by volume.
Its median conventional purchase loan costs were $1,900 versus $2,380 for all Iowa lenders, at a median 30-year fixed rate of 6.125% (Iowa: 6.375%).
Loans in IA
1,361
of 1,393 applications
Denial rate
0.4%
Purchase · IA 6.3%
Rate spread
−0.21 pts
Conv. · IA −0.05 pts
Loan amount
$235,000
Purchase · IA $215,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,208 | 1,184 | 0.4% | 6.125% | −0.21 pts | $1,900 | $235,000 |
| Refinance | 129 | 125 | 0.0% | 5.750% | −0.47 pts | $1,770 | $265,000 |
| Cash-out refinance | 56 | 52 | 3.6% | 6.375% | −0.01 pts | $1,800 | $185,000 |
*Conventional loans only; medians with at least 20 loans.
Iowa counties where Hills Bank and Trust Company ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Washington County | 1 | 101 | 29.3% |
| Johnson County | 2 | 626 | 28.0% |
| Linn County | 2 | 481 | 12.8% |
| Cedar County | 2 | 36 | 12.1% |
| Iowa County | 2 | 31 | 12.8% |
| Benton County | 5 | 25 | 5.7% |
| Keokuk County | 6 | 6 | 5.9% |
| Jones County | 8 | 10 | 4.2% |
| Louisa County | 8 | 3 | 4.0% |
| Henry County | 10 | 7 | 3.9% |
| Muscatine County | 13 | 11 | 2.6% |
| Jefferson County | 18 | 2 | 1.2% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology