Hills Bank And Trust Company Mortgage Rates, Fees & Info

Hills, IA

LEI: 549300ZWA6HRT4N1Z222

Tax ID: 42-0310580

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
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    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Hills Bank And Trust Company is a smaller bank specializing in Home Purchase and Refi loans. Hills Bank And Trust Company has a high proportion of conventional loans. Their top markets by origination volume include: Iowa City, Cedar Rapids, Waterloo, Muscatine, and Davenport among others. We have data for 22 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Hills Bank And Trust Company has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders. Hills Bank And Trust Company is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.27% 4/21/24
    30 Year Conventional Purchase 6.50% 4/21/24
    30 Year Conventional Refi 6.41% 4/21/24
    30 Year Cash-out Refi 6.49% 4/21/24
    15 Year Conventional Purchase 5.86% 4/21/24
    15 Year Conventional Refi 5.84% 4/21/24
    15 Year Cash-out Refi 5.84% 4/21/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Hills Bank And Trust Company Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Hills Bank And Trust Company. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    4,632

    Origination Dollar Volume (All Markets)

    $846,940,000

    Employee count

    498 Show all (10) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    IOWA CITY, IA (FHA|USDA|VA) 2,672 $548,780,000 $205,382 $1,331 3.13%
    CEDAR RAPIDS, IA (FHA|USDA|VA) 1,572 $235,500,000 $149,809 $1,358 3.32%
    Outside of Metro Areas 299 $46,595,000 $155,836 $1,499 3.23%
    WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 19 $5,695,000 $299,737 $1,691 3.74%
    Muscatine, IA (FHA|USDA|VA) 25 $3,085,000 $123,400 $1,444 3.12%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 7 $1,555,000 $222,143 $1,960 3.16%
    Fairfield, IA (FHA|USDA|VA) 14 $1,370,000 $97,857 $1,746 3.68%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 4 $1,100,000 $275,000 $1,745 3.13%
    DUBUQUE, IA (FHA|USDA|VA) 4 $590,000 $147,500 $0 3.78%
    AMES, IA (FHA|USDA|VA) 2 $550,000 $275,000 $1,890 2.94%
    FORT COLLINS, CO (FHA|USDA|VA) 1 $365,000 $365,000 $1,884 2.88%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $285,000 $285,000 $3,516 3.00%
    DULUTH, MN-WI (FHA|USDA|VA) 2 $250,000 $125,000 $0 4.00%
    GREEN BAY, WI (FHA|USDA|VA) 1 $225,000 $225,000 $1,607 2.75%
    LANCASTER, PA (FHA|USDA|VA) 1 $225,000 $225,000 $4,208 2.88%
    Oskaloosa, IA (FHA|USDA|VA) 1 $195,000 $195,000 $0 3.86%
    Clinton, IA (FHA|USDA|VA) 2 $190,000 $95,000 $0 4.10%
    Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 1 $165,000 $165,000 $2,282 3.38%
    Burlington, IA-IL (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.10%
    Mason City, IA (FHA|USDA|VA) 1 $55,000 $55,000 $1,848 2.88%
    Ottumwa, IA (FHA|USDA|VA) 1 $35,000 $35,000 $0 3.75%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $15,000 $15,000 $0 5.25%
    Hills Bank And Trust Company's top markets include Iowa City, Cedar Rapids, Waterloo, Muscatine, and Davenport among others.

    Their top states include:
  • Iowa (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • Wisconsin (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Hills Bank and Trust Company based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    BankIowa of Cedar Rapids
    Similarity Rank: 75
    ASCENTRA
    Similarity Rank: 91
    Farmers & Merchants Savings Bank
    Similarity Rank: 240
    FIRST
    Similarity Rank: 308
    Fidelity Bank & Trust
    Similarity Rank: 390
    Community Savings Bank
    Similarity Rank: 399
    Hills Bank and Trust Company
    Similarity Rank: 484
    DuTrac Community Credit Union
    Similarity Rank: 564
    Collins Community Credit Union
    Similarity Rank: 609
    Bankers Trust Company
    Similarity Rank: 629

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 4,069 $803,925,000 $197,573 $1,356 3.11%
    HELOC 563 $43,015,000 $76,403 n/a 3.89%

    For 2021, Hills Bank And Trust Company's most frequently originated type of loan was Conventional, with 4,069 originations. Their 2nd most popular type was HELOC, with 563 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,735 $492,655,000 $180,130 $1,317 3.25%
    Refi 1,001 $231,265,000 $231,034 $1,411 2.92%
    Cash Out Refi 400 $93,210,000 $233,025 $1,574 2.77%
    Home Improvement 371 $22,225,000 $59,906 $218 3.97%
    Other 125 $7,585,000 $60,680 $358 3.80%

    For 2021, Hills Bank And Trust Company's most frequently cited loan purpose was Home Purchase, with 2,735 originations. The 2nd most popular reason was Refi, with 1,001 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,308 $449,050,000 $194,562 $1,445 2.95%
    5 Year 855 $121,125,000 $141,667 $69 3.91%
    Other 566 $86,510,000 $152,845 $249 4.03%
    15 Year 560 $119,600,000 $213,571 $1,497 2.31%
    20 Year 254 $57,370,000 $225,866 $667 3.29%
    10 Year 49 $6,745,000 $137,653 $1,016 2.80%
    1 Year 35 $6,225,000 $177,857 $0 4.06%
    3 Year 5 $315,000 $63,000 $0 4.33%

    For 2021, Hills Bank And Trust Company's most frequently cited loan duration was 30 Year, with 2,308 originations. The 2nd most popular length was 5 Year, with 855 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 3,296 $598,900,000 $181,705
    $1k-2k 73 $18,865,000 $258,425
    $2k-3k 15 $4,855,000 $323,667
    $3k-4k 3 $1,035,000 $345,000
    $5k+ 1 $545,000 $545,000

    Hills Bank And Trust Company's average total fees were $1,445, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 3,296 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,705 $237,805,000 $139,475
    2.5-3% 1,547 $342,615,000 $221,471
    <2.5% 797 $214,905,000 $269,642
    4-5% 567 $50,995,000 $89,938
    5-6% 15 $475,000 $31,667
    6-7% 1 $145,000 $145,000

    During 2021, Hills Bank And Trust Company's average interest rate for loans was 2.95%, while their most frequently originated rate bucket for loans was 3-4%, with 1,705 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 1,643 $244,305,000 $148,694 $1,577 3.10%
    $100,000 or less 1,439 $64,555,000 $44,861 $482 3.74%
    $200k-400k 1,303 $350,675,000 $269,129 $1,630 2.82%
    $400k-600k 214 $100,920,000 $471,589 $1,798 2.74%
    $1MM+ 17 $74,045,000 $4,355,588 $0 3.47%
    $600k-1MM 16 $12,440,000 $777,500 $1,727 3.67%

    2021 saw Hills Bank And Trust Company place emphasis on $100k-200k loans with 1,643 originations, totaling $244,305,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 985 $141,355,000 $143,508 $1,321 3.08%
    $100k-150k 876 $172,450,000 $196,861 $1,428 3.10%
    $50k or less 814 $89,310,000 $109,717 $1,289 3.20%
    $75k-100k 729 $124,855,000 $171,269 $1,394 3.07%
    $150k-250k 396 $94,710,000 $239,167 $1,470 3.05%
    $250k+ 177 $47,445,000 $268,051 $1,520 3.00%

    Hills Bank And Trust Company lent most frequently to those with incomes in the $50k-75k range, with 985 originations. The second most popular income band? $100k-150k, with 876 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 921 $146,355,000 $158,909 $1,379 3.03%
    30-36% 744 $125,460,000 $168,629 $1,372 3.03%
    <20% 397 $66,015,000 $166,285 $1,454 3.00%
    38% 179 $28,135,000 $157,179 $1,206 3.12%
    37% 166 $28,400,000 $171,084 $1,367 3.07%
    39% 153 $24,985,000 $163,301 $1,318 3.01%
    40% 150 $25,730,000 $171,533 $1,289 3.11%
    43% 140 $21,830,000 $155,929 $1,256 3.26%
    41% 130 $19,710,000 $151,615 $1,310 3.15%
    36% 129 $19,905,000 $154,302 $1,249 3.10%
    44% 121 $24,085,000 $199,050 $1,417 2.91%
    42% 119 $20,095,000 $168,866 $1,317 3.15%
    45% 78 $16,450,000 $210,897 $1,463 2.92%
    50-60% 77 $15,475,000 $200,974 $1,115 2.94%
    47% 74 $14,690,000 $198,514 $1,382 2.85%
    48% 72 $16,140,000 $224,167 $1,448 2.81%
    46% 66 $12,950,000 $196,212 $1,441 2.90%
    49% 61 $14,615,000 $239,590 $1,501 2.81%
    >60% 32 $5,970,000 $186,563 $1,030 3.16%

    Hills Bank And Trust Company lent most frequently to those with DTI ratios of 20-30%, with 921 originations. The next most common DTI ratio? 30-36%, with 744 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,404 $589,010,000 $173,035 $1,373 3.08%
    Not applicable 472 $143,380,000 $303,771 $0 4.00%
    Not provided 460 $60,680,000 $131,913 $1,233 3.47%
    Asian 124 $26,100,000 $210,484 $1,415 2.83%
    Black 124 $18,390,000 $148,306 $1,101 3.15%
    Asian Indian 16 $3,660,000 $228,750 $1,537 2.71%
    American Indian 13 $2,355,000 $181,154 $1,728 3.51%
    Chinese 5 $1,195,000 $239,000 $1,227 2.90%
    Vietnamese 4 $840,000 $210,000 $1,523 2.38%
    Japanese 4 $460,000 $115,000 $1,110 3.16%
    Native Hawaiian or Islander 3 $395,000 $131,667 $1,065 3.21%
    Other Asian 1 $285,000 $285,000 $1,915 3.00%
    Korean 2 $190,000 $95,000 $816 3.19%

    Approval Rates

    Total approvals of all applications
    98.29%

    Hills Bank And Trust Company has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    92.12%

    Hills Bank And Trust Company has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 7 $165,000 $23,571
    NA 4,625 $846,775,000 $183,086

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    4,632 $846,940,000 $182,845

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 321 $34,915,000 $108,769 $1,260 3.56%
    40-60% 410 $73,580,000 $179,463 $1,457 2.97%
    60-80% 1,442 $331,720,000 $230,042 $1,580 3.06%
    80-100% 1,554 $372,220,000 $239,524 $1,694 2.97%
    Under 20% 888 $32,450,000 $36,543 $33 3.82%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Hills Bank and Trust Company 1009 Second Street Coralville, IA 52241 Full Service B&M $561,955
    Hills Bank and Trust Company 103 West Main Street Lisbon, IA 52253 Full Service B&M $45,746
    Hills Bank and Trust Company 120 Fifth Street Kalona, IA 52247 Full Service B&M $161,455
    Hills Bank and Trust Company 125 North Madison Street Iowa City, IA 52245 Full Service Retail $8,606
    Hills Bank and Trust Company 131 Main Street Hills, IA 52235 Full Service B&M $572,949
    Hills Bank and Trust Company 1401 South Gilbert Street Iowa City, IA 52240 Full Service B&M $631,758
    Hills Bank and Trust Company 200 Hawkins Drive Iowa City, IA 52242 Full Service Retail $30,678
    Hills Bank and Trust Company 201 South Clinton Street Iowa City, IA 52240 Full Service B&M $92,258
    Hills Bank and Trust Company 229 8th Avenue Wellman, IA 52356 Full Service B&M $26,644
    Hills Bank and Trust Company 240 Third Avenue, S.E. Cedar Rapids, IA 52401 Full Service B&M $50,309
    Hills Bank and Trust Company 2481 Highway 92 West Washington, IA 52353 Full Service B&M $98,954
    Hills Bank and Trust Company 2621 Muscatine Avenue Iowa City, IA 52240 Full Service B&M $160,834
    Hills Bank and Trust Company 3204 7th Avenue Marion, IA 52302 Full Service B&M $117,462
    Hills Bank and Trust Company 3610 Williams Boulevard, Sw Cedar Rapids, IA 52404 Full Service B&M $225,017
    Hills Bank and Trust Company 3905 Blairs Ferry Road N.E. Cedar Rapids, IA 52402 Full Service B&M $149,032
    Hills Bank and Trust Company 590 West Forevergreen Road North Liberty, IA 52317 Full Service B&M $62,358
    Hills Bank and Trust Company 720 First Avenue Mount Vernon, IA 52314 Full Service B&M $92,092
    Hills Bank and Trust Company 800 Eleventh Street Marion, IA 52302 Full Service B&M $84,586
    Hills Bank and Trust Company Highway 965 And Zeller Street North Liberty, IA 52317 Full Service B&M $150,263

    For 2021, Hills Bank And Trust Company had 19 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $122,089
    Net interest income $104,462
    Total noninterest income $34,770
    Gross Fiduciary activities income $13,521
    Service charges on deposit accounts $2,176
    Trading account gains and fees $0
    Additional Noninterest Income $19,073
    Pre-tax net operating income $62,928
    Securities gains (or losses, -) $0
    Income before extraordinary items $48,624
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $48,624
    Minority interest net income $0
    Net income $48,624
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $48,624

    Hills Bank And Trust Company's gross interest income from loans was $122,089,000.
    Hills Bank And Trust Company's net interest income from loans was $104,462,000.
    Hills Bank And Trust Company's fee based income from loans was $2,176,000.
    Hills Bank And Trust Company's net income from loans was $48,624,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $17,627
    Provision for credit losses $-5,507
    Total noninterest expense $81,811
    Salaries and employee benefits $41,624
    Premises and equipment expense $11,232
    Additional noninterest expense $28,955
    Applicable income taxes $14,304
    Net charge-offs $-1,427
    Cash dividends $12,273

    Hills Bank And Trust Company's interest expense for loans was $17,627,000.
    Hills Bank And Trust Company's payroll and benefits expense were $41,624,000.
    Hills Bank And Trust Company's property, plant and equipment expenses $11,232,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $3,536,687
    Deposits held in domestic offices $3,536,687
    Deposits by Individuals, partnerships, and corporations $3,203,951
    Deposits by U.S. Government $16
    Deposits by States and political subdivisions in the U.S. $332,720
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $540,790
    Demand deposits $388,053
    Nontransaction accounts $2,995,897
    Money market deposit accounts (MMDAs) $465,637
    Other savings deposits (excluding MMDAs) $1,933,007
    Total time deposits $597,253
    Total time and savings deposits $3,148,634
    Noninterest-bearing deposits $633,618
    Interest-bearing deposits $2,903,069
    Retail deposits $3,393,252
    IRAs and Keogh plan accounts $116,021
    Brokered deposits $54,652
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $4,042,495
    Cash & Balances due from depository institutions $781,918
    Interest-bearing balances $756,319
    Total securities $551,354
    Federal funds sold & reverse repurchase $0
    Net loans and leases $2,630,778
    Loan and leases loss allowance $35,470
    Trading account assets $0
    Bank premises and fixed assets $36,757
    Other real estate owned $0
    Goodwill and other intangibles $2,500
    All other assets $39,188

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $4,042,495
    Total Liabilities $3,554,089
    Total deposits $3,536,687
    Interest-bearing deposits $2,903,069
    Deposits held in domestic offices $3,536,687
    % insured (estimated) $75
    Federal funds purchased and repurchase agreements $249
    Trading liabilities $0
    Other borrowed funds $2,533
    Subordinated debt $0
    All other liabilities $14,620

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,630,778
    Loan and leases loss allowance $35,470
    Total loans and leases (domestic) $2,666,248
    All real estate loans $2,253,329
    Real estate loans in domestic offices $2,253,329
    Construction and development loans $207,508
    Residential 1-4 family construction $76,120
    Other construction, all land development and other land $131,388
    Loans secured by nonfarm nonresidential properties $401,377
    Nonfarm nonresidential secured by owner-occupied properties $190,685
    Commercial real estate & other non-farm, non-residential $210,692
    Multifamily residential real estate $382,208
    1-4 family residential loans $1,029,492
    Farmland loans $232,744
    Loans held in foreign offices $0
    Farm loans $106,933
    Commercial and industrial loans $222,003
    To non-U.S. addressees $0
    Loans to individuals $32,686
    Credit card loans $10,834
    Related Plans $0
    Consumer Auto Loans $16,438
    Other loans to individuals $5,414
    All other loans & leases $51,297
    Loans to foreign governments and official institutions $0
    Other loans $1,012
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $2,631
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $7,920
    Non 1-4 family restructured loans & leases $6,537
    Total loans and leases (foreign) $0

    Hills Bank and Trust Company had $2,630,778,000 of loans outstanding in 2021. $2,253,329,000 of loans were in real estate loans. $207,508,000 of loans were in development loans. $382,208,000 of loans were in multifamily mortgage loans. $1,029,492,000 of loans were in 1-4 family mortgage loans. $106,933,000 of loans were in farm loans. $10,834,000 of loans were in credit card loans. $16,438,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 724 $177,969 $245,814
    Nonfarm, nonresidential loans - <$100k 118 $5,503 $46,636
    Nonfarm, nonresidential loans - $100-250k 247 $32,951 $133,405
    Nonfarm, nonresidential loans - $250k-1MM 359 $139,515 $388,621
    Commercial & Industrial, US addressed loans - <$1MM 2,924 $168,495 $57,625
    Commercial & Industrial, US addressed loans - <$100k 2,087 $45,503 $21,803
    Commercial & Industrial, US addressed loans - $100-250k 544 $49,668 $91,301
    Commercial & Industrial, US addressed loans - $250k-1MM 293 $73,324 $250,253
    Farmland loans - <$1MM 537 $76,896 $143,196
    Farmland loans - <$100k 114 $4,882 $42,825
    Farmland loans - $100-250k 237 $27,425 $115,717
    Farmland loans - $250k-1MM 186 $44,589 $239,726
    Agriculture operations loans - <$1MM 1,211 $62,302 $51,447
    Agriculture operations loans - <$100k 860 $19,868 $23,102
    Agriculture operations loans - $100-250k 277 $26,522 $95,747
    Agriculture operations loans - $250k-1MM 74 $15,912 $215,027