All Rates Effective March 16, 2026 at 10:00 a.m.
Rates are subject to change during the day without notice.
Due to rate volatility, please contact a mortgage lender for an accurate rate quote for your mortgage.
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PURCHASE TRANSACTIONS - FIXED RATE MORTGAGE LOANS (SECONDARY MARKET)
30 Year Fixed Rate Loan 30 Day Lock* Loan Amount Interest Rate Annual Percentage Rate (APR) Number of Monthly Payments Payment per $1,000 Borrowed $300,000 5.750% 5.773% 360 $5.84 $200,000 5.750% 5.785% 360 $5.84 $100,000 5.625% 5.695% 360 $5.76 15 Year Fixed Rate Loan 30 Day Lock* Loan Amount Interest Rate Annual Percentage Rate (APR) Number of Monthly Payments Payment per $1,000 Borrowed $300,000 5.250% 5.289% 180 $8.04 $200,000 5.250% 5.308% 180 $8.04 $100,000 5.250% 5.367% 180 $8.04 *Rate is a 30 day lock, assumes 75% loan to value (LTV) and a 780 credit score.
- Monthly Payments do not include amounts for property taxes or homeowner’s insurance; actual payments could be higher.
- Rates assume owner-occupied dwelling.
- Rates are subject to qualifying credit and can change.
- For other loan amounts, terms, and rates contact a Mortgage Lender at any location.
- Hills Bank is not responsible for typographical errors or omissions.
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PURCHASE TRANSACTIONS - ADJUSTABLE RATE MORTGAGES (ARMS)
Contact a Mortgage Lender for Current ARM Rates, including up to 100% Financing
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REFINANCE TRANSACTIONS - FIXED RATE MORTGAGE LOANS (SECONDARY MARKET)
30 Year Fixed Rate Loan 60 Day Lock Loan Amount Points Interest Rate Annual Percentage Rate (APR) Number of Monthly Payments Payment per $1,000 Borrowed $300,000 0.000 5.750% 5.773% 360 $5.84 $200,000 0.000 5.750% 5.785% 360 $5.84 $100,000 0.000 5.750% 5.820% 360 $5.84 15 Year Fixed Rate Loan 60 Day Lock Loan Amount Points Interest Rate Points Annual Percentage Rate (APR) Number of Monthly Payments Payment per $1,000 Borrowed $300,000 0.000 5.250% 0.000 5.289% 180 $8.04 $200,000 0.000 5.250% 0.000 5.308% 180 $8.04 $100,000 0.000 5.250% 0.000 5.367% 180 $8.04 - Rates assume Rate/Term Refinance.
- Monthly payments do not include amounts for taxes and insurance (if applicable), and actual payments will be greater.
- Rates assume owner-occupied dwelling.
- Rates are subject to qualifying credit and may change.
- Rates are based on 780 credit score and 75% loan to value (LTV).
- For other loan amounts, terms, and rates contact a Mortgage Lender at any location.
- Hills Bank is not responsible for typographical errors or omissions.
Please contact a Mortgage Lender for the most up-to-date rates including:
- In House ARM loans with up to 100% financing
- Veterans Affairs (VA)
- Federal Housing Administration (FHA)
- USDA Rural Development Loan Assistance
Hills Bank offers free pre-approvals with no application fee. Apply online with any mortgage lender or schedule an appointment online to find out what you can be approved for!