We analyzed every closed loan from Hills Bank and Trust Company — 1.2k loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
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
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
2Top Metro Areas by Place Specialization Score
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
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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