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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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HILLS BANK AND TRUST COMPANY
Mortgage Loans and Application Details
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| Mortgage Company Name |
HILLS BANK AND TRUST COMPANY |
| Address | 131 MAIN ST, PO BOX 160
HILLS, IA 52235 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 3,135 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $326,351,000 |
| Average Mortgage Loan Amount Applied For | $219,769 |
| Highest Mortgage Loan Amount Applied For | $4,449,000 |
| Average Applicant Income | $70,769 |
| Highest Applicant Income | $1,800,000 |
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| Home Improvement |
174 | $5,407,000 |
$31,000 | $208,000 |
$47,000 | $405,000 |
| Home Purchase |
3,201 | $313,339,000 |
$97,000 | $987,000 |
$61,000 | $1,800,000 |
| Refinancing |
649 | $79,724,000 |
$122,000 | $4,449,000 |
$56,000 | $759,000 |
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| American Indian or Alaskan Native |
7 | $518,000 |
$74,000 | $160,000 |
$55,000 | $85,000 |
| Asian |
114 | $13,988,000 |
$122,000 | $390,000 |
$74,000 | $215,000 |
| Black or African American |
71 | $5,880,000 |
$82,000 | $224,000 |
$55,000 | $225,000 |
| Hispanic |
75 | $8,150,000 |
$108,000 | $417,000 |
$70,000 | $173,000 |
| Native Hawaiin or Other Pacific Islander |
5 | $591,000 |
$118,000 | $210,000 |
$93,000 | $108,000 |
| Not applicable |
107 | $29,163,000 |
$272,000 | $4,449,000 |
$0 | $0 |
| Not Provided |
148 | $14,537,000 |
$98,000 | $640,000 |
$81,000 | $1,800,000 |
| White |
3,497 | $325,643,000 |
$93,000 | $987,000 |
$60,000 | $759,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
4,024 | $398,470,000 |
$99,000 | $4,449,000 |
$59,000 | $1,800,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
318 | $32,466,000 |
$102,000 | $640,000 |
$60,000 | $640,000 |
| Application Denied By Financial Institution |
213 | $18,993,000 |
$89,000 | $931,000 |
$47,000 | $205,000 |
| Application Withdrawn By Applicant |
33 | $4,858,000 |
$147,000 | $351,000 |
$56,000 | $133,000 |
| File Closed For Incompleteness |
4 | $337,000 |
$84,000 | $186,000 |
$77,000 | $81,000 |
| Loan Originated |
2,566 | $265,248,000 |
$103,000 | $3,358,000 |
$63,000 | $1,800,000 |
| Loan Purchased By The Institution |
1 | $4,449,000 |
$4,449,000 | $4,449,000 |
$0 | $0 |
| Preapproval Approved but not Accepted |
554 | $48,409,000 |
$87,000 | $417,000 |
$57,000 | $220,000 |
| Preapproval Denied by Financial Institution |
335 | $23,710,000 |
$70,000 | $348,000 |
$42,000 | $185,000 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for HILLS BANK AND TRUST COMPANY by:
Metropolitan Area And
County
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