We analyzed every closed loan from Hills Bank and Trust — 1.2k loans across 1k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
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Safe Rate's Summary
What They Do Well
- Offers rates 30.00 basis points below market average
- Lower than average lender fees
- Strong pull through performance
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Report Card
Hills Bank and Trust Company performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Market Leader Rates 30.0 bps below market avg | |
Pull Through Closing strength | Market Leader Top 20% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Market Leader Top 20% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Market Leader Top 20% of lenders Regional3 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,212 | 100.0% | -0.300%Below | $740Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,087 | 89.7% | -0.292%Below | $731Fees | ||||
Refinance | 125 | 10.3% | -0.368%Below | $812Fees |
At a Glance
Lender Overview
Geographic Coverage
Geographic Performance
States with Loan Originations
Top Metro Areas by Place Specialization Score
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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