Rolling Hills Bank & Trust Mortgage Lending & HMDA Data, 2025
In 2025, Rolling Hills Bank & Trust of Atlantic, IA reported 69 mortgage applications totaling $13.1 million, up 23% from 2024. The average application was for $190,507, and applicants reported an average income of $131,057. 93% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Des Moines-West Des Moines, IA (7), Omaha-Council Bluffs, NE-IA (7) and Ames, IA (1) (applications in parentheses).
| Mortgage Company & Address | Rolling Hills Bank & Trust 1307 E 7th St Atlantic, IA 50022 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 |
| Total Number of Mortgage Applications | 69 |
| Total Mortgage Loan Application Amount | $13,145,000 |
| Average Mortgage Loan Application Amount | $190,507 |
| Highest Mortgage Loan Application Amount | $905,000 |
| Average Applicant Income | $131,057 |
| Highest Applicant Income | $714,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Rolling Hills Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cass, Iowa | 30 | $ 4,000,000 | $ 133,333 | $ 136,000 |
| Adair, Iowa | 7 | $ 495,000 | $ 70,714 | $ 97,000 |
| Pottawattamie, Iowa | 7 | $ 1,155,000 | $ 165,000 | $ 156,000 |
| Guthrie, Iowa | 5 | $ 705,000 | $ 141,000 | $ 69,000 |
| Shelby, Iowa | 4 | $ 1,690,000 | $ 422,500 | $ 156,000 |
| Nobles, Minnesota | 4 | $ 520,000 | $ 130,000 | $ 72,000 |
| Platte, Wyoming | 3 | $ 1,715,000 | $ 571,666 | $ 313,000 |
| Audubon, Iowa | 1 | $ 275,000 | $ 275,000 | $ 112,000 |
| Cherokee, Iowa | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Crawford, Iowa | 1 | $ 815,000 | $ 815,000 | $ 0 |
| Dallas, Iowa | 1 | $ 615,000 | $ 615,000 | $ 169,000 |
| Madison, Iowa | 1 | $ 125,000 | $ 125,000 | $ 59,000 |
| Story, Iowa | 1 | $ 185,000 | $ 185,000 | $ 49,000 |
| Boone, Missouri | 1 | $ 225,000 | $ 225,000 | $ 120,000 |
| Harrison, Missouri | 1 | $ 265,000 | $ 265,000 | $ 123,000 |
| Lincoln, Wyoming | 1 | $ 225,000 | $ 225,000 | $ 23,000 |
Mortgage Loan Application Detail Totals for Rolling Hills Bank & Trust in 2025
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 | 31 | $5,565,000 | $179,000 | $615,000 | $115,000 | $293,000 |
| Refinancing | 20 | $5,440,000 | $272,000 | $905,000 | $184,000 | $714,000 |
| Home Improvement | 14 | $1,850,000 | $132,000 | $905,000 | $103,000 | $327,000 |
| Other Purpose | 4 | $290,000 | $72,000 | $135,000 | $89,000 | $135,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 55 | $9,995,000 | $181,000 | $905,000 | $130,000 | $714,000 |
| Not applicable | 12 | $3,010,000 | $250,000 | $905,000 | $0 | $0 |
| Hispanic | 2 | $140,000 | $70,000 | $125,000 | $128,000 | $157,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 69 | $13,145,000 | $190,000 | $905,000 | $130,000 | $714,000 |
| 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 | 64 | $12,380,000 | $193,000 | $905,000 | $133,000 | $714,000 |
| Application Denied By Financial Institution | 3 | $475,000 | $158,000 | $255,000 | $56,000 | $90,000 |
| Application Approved But Not Accepted | 2 | $290,000 | $145,000 | $185,000 | $122,000 | $128,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 69 | $13,145,000 | $190,000 | $905,000 | $130,000 | $714,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Rolling Hills Bank & Trust's 2025 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 Rolling Hills Bank & Trust'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.
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