Hills Bank and Trust Company mortgage approval rate & lending review
Hills Bank and Trust Company decided 6,496 mortgage applications and funded 6,016 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Hills Bank and Trust Company reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Hills Bank and Trust Company at a glance
Approval is 13.1 points above the 83.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 99% | 3,704 / 3,733 | 97% | $225K | 3,601 |
| Home improvement loans | 82% | 507 / 618 | 95% | $45K | 482 |
| Cash-out refinance | 97% | 92 / 95 | 98% | $185K | 90 |
| Refinance | 89% | 457 / 512 | 97% | $125K | 444 |
| Investment property purchase | 99% | 1,271 / 1,282 | 93% | $135K | 1,183 |
| Investment refinance | 81% | 103 / 127 | 95% | $115K | 98 |
| Investment home improvement | 93% | 112 / 120 | 98% | $105K | 110 |
Hills Bank and Trust Company lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Iowa | 96% | $225K | 6,488 | 6,009 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Hills Bank and Trust Company lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Johnson County, IA | Mortgage lenders | 99% | 1,978 | 1,901 |
| Linn County, IA | Mortgage lenders | 99% | 1,726 | 1,671 |
| Linn County, IA | Investment property purchase | 99% | 649 | 606 |
| Johnson County, IA | Investment property purchase | 99% | 529 | 478 |
| Johnson County, IA | Home improvement loans | 86% | 369 | 297 |
| Johnson County, IA | Refinance | 89% | 339 | 293 |
| Linn County, IA | Home improvement loans | 77% | 248 | 185 |
| Linn County, IA | Refinance | 90% | 171 | 149 |
| Black Hawk County, IA | Investment property purchase | 100% | 92 | 87 |
| Johnson County, IA | Cash-out refinance | 98% | 57 | 54 |
| Linn County, IA | Cash-out refinance | 95% | 38 | 36 |
The county markets where Hills Bank and Trust Company made the most loans. Each link opens that market with every lender ranked.
Questions about Hills Bank and Trust Company
What is Hills Bank and Trust Company's mortgage approval rate?
Hills Bank and Trust Company approved 96.3% of the 6,496 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.1 points above the 83.2% national rate for the same mix of loan types.
How often do borrowers take the loan Hills Bank and Trust Company offers?
Borrowers accepted 96% of the loans Hills Bank and Trust Company approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Hills Bank and Trust Company make?
The typical home purchase mortgage loan Hills Bank and Trust Company made was $225K; across all loan types its typical loan ran from $45K to $225K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Hills Bank and Trust Company lend?
Hills Bank and Trust Company decided applications in 4 of the states Fat Boy Data covers, most of them in Iowa, Arizona and Florida.
Can I apply to Hills Bank and Trust Company directly?
Yes. Hills Bank and Trust Company is a bank or credit union with 21 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Hills Bank and Trust Company's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Hills Bank and Trust Company treats applications, then get a rate quote from the lender.