Applications / Mortgage Analytics / Lenders / Iowa / Rolling Hills Bank & Trust
Atlantic, IA · State member bank · FRS · $472 million assets · 64 loans in 2025
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64
loans originated, 2025
69
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Rolling Hills Bank & Trust, of Atlantic, Iowa, is a rural lender whose home loans rose 36% in 2025, faster than at four in five similar banks.
It made 64 loans, up from 47, while similar banks (state member banks making between half and twice as many loans) grew 9% and the whole market 10%. It filed no HMDA report for 2018 to 2022, so its record restarts in 2023; it first reported in 2004.
Purchase loans made up 42.2% of its lending, refinancings 29.7% and home-improvement loans 21.9%. Its typical loan was $135,000, against $175,000 at its peers, smaller than at nearly four in five. In non-metro Iowa, its largest market, it ranked 90 of 465 lenders; GreenState Credit Union led there. It also lends in non-metro Wyoming and Missouri, across 16 counties in four states. Its 2008 merger with Metabank West Central counts in its market figures.
Low- and moderate-income neighborhoods took 4.7% of its loans, against 17.7% at similar banks. Rural counties with few such neighborhoods may produce a share like that. Borrowers with low or moderate incomes took 26.9%, close to the 25.8% at its peers.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Rolling Hills Bank & Trust took 69 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 42.2% · Refinance 29.7% · Home improvement 21.9% · Other 6.3%
Conventional 100.0% · of 64 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Iowa | 56 | 87.5% |
| Wyoming | 4 | 6.2% |
| Minnesota | 2 | 3.1% |
| Missouri | 2 | 3.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Des Moines-West Des Moines | 7 |
| Omaha | 6 |
| Ames | 1 |
| Columbia | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300M25807V5I2K649 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 882242 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2882242 | 2004–2017 |
Established 1 July 1876. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Rolling Hills Bank & Trust's data.
Rolling Hills Bank & Trust's data
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Rolling Hills Bank & Trust and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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