Hills Bank And Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Hills Bank And Trust Company 2005 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Hills Bank And Trust Company 131 East Main St / Po Box 160 Hills, IA 52235 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,541 |
| Total Mortgage Loan Application Amount | $394,675,000 |
| Average Mortgage Loan Application Amount | $122,111 |
| Highest Mortgage Loan Application Amount | $8,228,000 |
| Average Applicant Income | $52,444 |
| Highest Applicant Income | $640,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with Hills Bank And Trust Company. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Hills Bank And Trust Company's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down Hills Bank And Trust Company's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Hills Bank And Trust Company serves its applicants.
Each category highlights the total number of mortgage applications processed by Hills Bank And Trust Company, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Hills Bank And Trust Company's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Johnson County Iowa | 1,669 | $ 205,593,000 | $ 123,000 | $ 61,000 |
| Linn County Iowa | 634 | $ 81,307,000 | $ 128,000 | $ 49,000 |
| Washington County Iowa | 254 | $ 21,635,000 | $ 85,000 | $ 60,000 |
| Iowa County Iowa | 114 | $ 8,503,000 | $ 74,000 | $ 48,000 |
| Cedar County Iowa | 102 | $ 7,739,000 | $ 75,000 | $ 47,000 |
| Muscatine County Iowa | 58 | $ 5,006,000 | $ 86,000 | $ 44,000 |
| Benton County Iowa | 22 | $ 2,255,000 | $ 102,000 | $ 60,000 |
| Keokuk County Iowa | 15 | $ 490,000 | $ 32,000 | $ 15,000 |
| Jones County Iowa | 12 | $ 741,000 | $ 61,000 | $ 51,000 |
| Black Hawk County Iowa | 7 | $ 470,000 | $ 67,000 | $ 74,000 |
| Des Moines County Iowa | 7 | $ 364,000 | $ 52,000 | $ 50,000 |
| Louisa County Iowa | 7 | $ 508,000 | $ 72,000 | $ 34,000 |
| Polk County Iowa | 7 | $ 729,000 | $ 104,000 | $ 66,000 |
| Delaware County Iowa | 5 | $ 897,000 | $ 179,000 | $ 51,000 |
| Poweshiek County Iowa | 5 | $ 332,000 | $ 66,000 | $ 33,000 |
| Tama County Iowa | 4 | $ 399,000 | $ 99,000 | $ 63,000 |
| Story County Iowa | 3 | $ 295,000 | $ 98,000 | $ 16,000 |
| Wapello County Iowa | 3 | $ 246,000 | $ 82,000 | $ 23,000 |
| Cerro Gordo County Iowa | 2 | $ 405,000 | $ 202,000 | $ 51,000 |
| Dubuque County Iowa | 2 | $ 320,000 | $ 160,000 | $ 31,000 |
| Scott County Iowa | 2 | $ 8,278,000 | $ 4,139,000 | $ 0 |
| Webster County Iowa | 2 | $ 49,000 | $ 24,000 | $ 44,000 |
| San Diego County California | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Sangamon County Illinois | 1 | $ 360,000 | $ 360,000 | $ 180,000 |
| Marion County Indiana | 1 | $ 150,000 | $ 150,000 | $ 65,000 |
| Appanoose County Iowa | 1 | $ 47,000 | $ 47,000 | $ 68,000 |
| Clinton County Iowa | 1 | $ 70,000 | $ 70,000 | $ 12,000 |
| Fayette County Iowa | 1 | $ 13,000 | $ 13,000 | $ 17,000 |
| Greene County Iowa | 1 | $ 10,000 | $ 10,000 | $ 0 |
| Henry County Iowa | 1 | $ 33,000 | $ 33,000 | $ 102,000 |
| Jefferson County Iowa | 1 | $ 128,000 | $ 128,000 | $ 77,000 |
| Marion County Iowa | 1 | $ 25,000 | $ 25,000 | $ 61,000 |
| St. Louis County Minnesota | 1 | $ 99,000 | $ 99,000 | $ 36,000 |
| Onondaga County New York | 1 | $ 75,000 | $ 75,000 | $ 0 |
Mortgage Loan Application Detail Totals for Hills Bank And Trust Company in 2005
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 2,482 | $265,151,000 | $184,666 | $7,200,000 | $92,666 | $546,000 |
| Refinancing | 873 | $124,307,000 | $130,333 | $8,228,000 | $50,666 | $640,000 |
| Home Improvement | 186 | $5,217,000 | $51,333 | $555,000 | $14,000 | $390,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 3,086 | $298,167,000 | $92,500 | $3,400,000 | $31,666 | $640,000 |
| Not applicable | 139 | $65,853,000 | $473,000 | $8,228,000 | $0 | $0 |
| Not Provided | 95 | $8,922,000 | $179,666 | $360,000 | $98,000 | $180,000 |
| Asian | 89 | $10,688,000 | $108,000 | $405,000 | $58,500 | $203,000 |
| Hispanic | 75 | $5,683,000 | $71,000 | $257,000 | $54,500 | $469,000 |
| Black or African American | 48 | $4,752,000 | $90,500 | $621,000 | $50,000 | $320,000 |
| American Indian or Alaskan Native | 7 | $484,000 | $62,000 | $161,000 | $61,000 | $69,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $126,000 | $63,000 | $112,000 | $70,000 | $70,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 3,541 | $394,675,000 | $133,142 | $8,228,000 | $53,714 | $640,000 |
| 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 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 2,319 | $287,742,000 | $158,750 | $8,228,000 | $67,500 | $640,000 |
| Preapproval Approved but not Accepted | 400 | $34,311,000 | $85,000 | $520,000 | $53,000 | $339,000 |
| Application Approved But Not Accepted | 329 | $31,099,000 | $94,000 | $555,000 | $49,000 | $400,000 |
| Application Denied By Financial Institution | 220 | $20,709,000 | $83,500 | $2,203,000 | $33,250 | $152,000 |
| Preapproval Denied by Financial Institution | 189 | $12,684,000 | $67,000 | $335,000 | $43,000 | $135,000 |
| Application Withdrawn By Applicant | 79 | $7,702,000 | $97,000 | $438,000 | $50,000 | $189,000 |
| Loan Purchased By The Institution | 5 | $428,000 | $85,000 | $104,000 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Hills Bank And Trust Company's 2005 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Hills Bank And Trust Company's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Iowa, download the full spreadsheet
with aggregated HMDA statistics today.