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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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ADAMS BANK & TRUST
Mortgage Loans and Application Details
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| Mortgage Company Name |
ADAMS BANK & TRUST |
| Address | 315 NORTH SPRUCE, P.O. BOX 720
OGALLALA, NE 69153 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 284 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $13,372,000 |
| Average Mortgage Loan Amount Applied For | $66,344 |
| Highest Mortgage Loan Amount Applied For | $297,000 |
| Average Applicant Income | $61,517 |
| Highest Applicant Income | $296,000 |
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| Home Improvement |
69 | $1,762,000 |
$25,000 | $126,000 |
$55,000 | $209,000 |
| Home Purchase |
118 | $6,514,000 |
$55,000 | $250,000 |
$55,000 | $242,000 |
| Refinancing |
98 | $5,128,000 |
$52,000 | $297,000 |
$57,000 | $296,000 |
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| American Indian or Alaskan Native |
1 | $19,000 |
$19,000 | $19,000 |
$20,000 | $20,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
14 | $537,000 |
$38,000 | $94,000 |
$48,000 | $120,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
1 | $79,000 |
$79,000 | $79,000 |
$8,000 | $8,000 |
| Not Provided |
1 | $42,000 |
$42,000 | $42,000 |
$51,000 | $51,000 |
| White |
268 | $12,727,000 |
$47,000 | $297,000 |
$56,000 | $296,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
270 | $12,603,000 |
$46,000 | $297,000 |
$57,000 | $296,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
14 | $752,000 |
$53,000 | $115,000 |
$32,000 | $66,000 |
| VA-guaranteed (Veterans Administration) |
1 | $49,000 |
$49,000 | $49,000 |
$35,000 | $35,000 |
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| Application Approved But Not Accepted |
1 | $297,000 |
$297,000 | $297,000 |
$58,000 | $58,000 |
| Application Denied By Financial Institution |
34 | $2,245,000 |
$66,000 | $193,000 |
$48,000 | $192,000 |
| Application Withdrawn By Applicant |
17 | $1,071,000 |
$63,000 | $160,000 |
$52,000 | $169,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
233 | $9,791,000 |
$42,000 | $264,000 |
$57,000 | $296,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
3 | $104,000 |
$34,000 | $50,000 |
$44,000 | $60,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
9 | $443,000 |
$49,000 | $79,000 |
$45,000 | $90,000 |
| Debt-To-Income Ratio |
2 | $200,000 |
$100,000 | $150,000 |
$30,000 | $42,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $160,000 |
$160,000 | $160,000 |
$5,000 | $5,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $193,000 |
$193,000 | $193,000 |
$84,000 | $84,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for ADAMS BANK & TRUST by:
Metropolitan Area And
County
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