Hills Bank and Trust in Iowa vs the state
6.1%Denial rate-6.74 pts vs state
6.6%Decision denial rate-8.74 pts vs state
83.7%Origination rate+15.23 pts vs state
6.25%Median rate-0.25 pts vs state
-0.05Rate spread (pts)-0.24 pts vs state
$103kMedian applicant income
2,874Loans originated
210Denied
Trend in Iowa
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,478 | 3,016 | 2.7% | 6.88% | #3 |
| 2024 | 2,596 | 2,127 | 7.0% | 6.75% | #6 |
| 2025 | 3,434 | 2,874 | 6.1% | 6.25% | #4 |
What Hills Bank and Trust lends in Iowa
By loan purpose
By loan type
Why it denied Iowa applicants
Where in Iowa
Counties with the most Hills Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Johnson County | 1,488 | 1,245 | 91 | 6.1% |
| Linn County | 1,222 | 1,031 | 65 | 5.3% |
| Washington County | 302 | 258 | 23 | 7.6% |
| Iowa County | 102 | 82 | 9 | 8.8% |
| Cedar County | 82 | 64 | 4 | 4.9% |
| Benton County | 61 | 46 | 1 | 1.6% |
| Black Hawk County | 33 | 32 | 0 | 0.0% |
| Muscatine County | 28 | 24 | 2 | 7.1% |
| Keokuk County | 26 | 17 | 7 | 26.9% |
| Jones County | 22 | 18 | 1 | 4.5% |
Other large lenders in Iowa
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| GREENSTATE Credit Union | B | 13,829 | 5.9% | 6.50% |
| Veridian Credit Union | B | 8,725 | 8.9% | 6.49% |
| Rocket Mortgage | C | 3,761 | 22.7% | 6.63% |
| U.S. Bank | D | 2,720 | 25.7% | 7.00% |
| Dupaco Community | A | 2,669 | 16.1% | 7.00% |
| Community Choice Credit Union | B | 2,653 | 11.8% | 6.13% |
| Iowa Bankers Mortgage | B | 2,423 | 15.4% | 6.50% |
| Broker Solutions | D | 2,386 | 6.4% | 6.75% |
| Northwest Bank | A | 2,181 | 5.7% | 6.38% |
| United Shore Financial Services | B | 1,950 | 11.5% | 6.13% |
Frequently asked questions
Iowa: 3,434 applications in 2025, of which 2,874 were originated and 210 denied.
6.1% of all applications, or 6.6% of the applications it actually decided on. The Iowa statewide average across all lenders was 12.9%.
The median rate on loans Hills Bank and Trust originated in Iowa in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are Hills Bank and Trust's own HMDA filing for properties located in Iowa, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology