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HILLS BANK AND TRUST COMPANY 131 MAIN ST
HILLS, 52235

2008 Mortgage Research	Henry	Iowa	US
Total Applications	14	3,196	4,025
Average Loan	$116.2k	$140.6k	$132.4k
Loan to Income Ratio	1.36	1.53	1.53
Subprime Loans	—	0.97%	0.77%
Refinancing Loans	35.71%	38.05%	30.24%
Principal Dwellings	100%	79.19%	83.16%
Rejected Applications	—	—	—

HILLS BANK AND TRUST COMPANY 131 MAIN STHILLS, 52235