Hills Bank and Trust Company
Hills Bank and Trust Company received 3,438 applications in 2025 and made 2,876 mortgages, in 35 counties across 4 states. The median rate its borrowers got was 6.250% on a median loan of $165,000. Of 3,200 decisions, 212 were denials — 6.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300ZWA6HRT4N1Z222 |
|---|---|
| Applications received | 3,438 |
| Mortgages made | 2,876 |
| Denied | 212 |
| Approved, not taken up | 112 |
| Withdrawn or incomplete | 238 |
| Loans bought from other lenders | 2 |
| Median rate spread over the prime offer rate | -0.051 points |
| FDIC-insured bank | Yes: Hills Bank and Trust Company, 21 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 2,059 | 6.250% | $195,000 | 0.9% |
| Refinancing | 357 | 6.550% | $140,000 | 14.9% |
| Cash-out refinancing | 59 | 6.500% | $185,000 | 4.7% |
| Other purposes | 401 | 7.250% | $45,000 | 22.6% |
Where Hills Bank and Trust Company lends most
The 35 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Johnson County, IA | 1,245 | 6.250% | 6.5% |
| Linn County, IA | 1,031 | 6.250% | 5.8% |
| Washington County, IA | 258 | 6.450% | 7.8% |
| Iowa County, IA | 82 | 6.438% | 9.7% |
| Cedar County, IA | 64 | 6.250% | 5.6% |
| Benton County, IA | 46 | 6.250% | 2.0% |
| Black Hawk County, IA | 32 | 6.200% | 0.0% |
| Muscatine County, IA | 24 | 6.313% | 7.7% |
| Jones County, IA | 18 | 7.000% | 5.0% |
| Keokuk County, IA | 17 | 6.375% | 28.0% |
| Polk County, IA | 13 | 6.375% | 0.0% |
| Henry County, IA | 9 | Under 10 loans | 9.1% |
| Louisa County, IA | 9 | Under 10 loans | 23.1% |
| Jefferson County, IA | 5 | Under 10 loans | 16.7% |
| Tama County, IA | 3 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 2 | Under 10 loans | 0.0% |
| Delaware County, IA | 2 | Under 10 loans | 33.3% |
| Dubuque County, IA | 2 | Under 10 loans | 0.0% |
| Wapello County, IA | 2 | Under 10 loans | 0.0% |
| Appanoose County, IA | 1 | Under 10 loans | 0.0% |
| Bremer County, IA | 1 | Under 10 loans | 0.0% |
| Butler County, IA | 1 | Under 10 loans | 0.0% |
| Carroll County, IA | 1 | Under 10 loans | 0.0% |
| Hamilton County, IA | 1 | Under 10 loans | 0.0% |
| Mills County, IA | 1 | Under 10 loans | 0.0% |
| Pocahontas County, IA | 1 | Under 10 loans | 0.0% |
| Poweshiek County, IA | 1 | Under 10 loans | 0.0% |
| Scott County, IA | 1 | Under 10 loans | 0.0% |
| Story County, IA | 1 | Under 10 loans | 0.0% |
| Warren County, IA | 1 | Under 10 loans | 0.0% |
| Webster County, IA | 1 | Under 10 loans | 0.0% |
| Buchanan County, IA | 0 | Under 10 loans | Not published |
| Van Buren County, IA | 0 | Under 10 loans | 100.0% |
| Otero County, NM | 0 | Under 10 loans | 100.0% |
| Pierce County, WA | 0 | Under 10 loans | 100.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.