Adams Bank & Trust Mortgage Lending & HMDA Data, 2025
In 2025, Adams Bank & Trust of Ogallala, NE reported 437 mortgage applications totaling $118.5 million, up 22% from 2024. The average application was for $271,132, and applicants reported an average income of $151,848. 71% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Fort Collins, CO (33), Greeley, CO (30) and Denver-Aurora-Lakewood, CO (25) (applications in parentheses).
| Mortgage Company & Address | Adams Bank & Trust Po Box 720 Ogallala, NE 69153 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 437 |
| Total Mortgage Loan Application Amount | $118,485,000 |
| Average Mortgage Loan Application Amount | $271,132 |
| Highest Mortgage Loan Application Amount | $2,725,000 |
| Average Applicant Income | $151,848 |
| Highest Applicant Income | $7,042,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Adams Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lincoln, Nebraska | 112 | $ 16,620,000 | $ 148,392 | $ 95,000 |
| Keith, Nebraska | 69 | $ 11,095,000 | $ 160,797 | $ 121,000 |
| Larimer, Colorado | 33 | $ 16,435,000 | $ 498,030 | $ 191,000 |
| Weld, Colorado | 30 | $ 13,700,000 | $ 456,666 | $ 134,000 |
| Yavapai, Arizona | 25 | $ 14,035,000 | $ 561,400 | $ 124,000 |
| Deuel, Nebraska | 12 | $ 1,210,000 | $ 100,833 | $ 84,000 |
| Perkins, Nebraska | 11 | $ 2,295,000 | $ 208,636 | $ 85,000 |
| El Paso, Colorado | 10 | $ 3,560,000 | $ 356,000 | $ 1,572,000 |
| Garden, Nebraska | 10 | $ 720,000 | $ 72,000 | $ 59,000 |
| Boulder, Colorado | 9 | $ 4,325,000 | $ 480,555 | $ 100,000 |
| Chase, Nebraska | 9 | $ 1,025,000 | $ 113,888 | $ 81,000 |
| Dawson, Nebraska | 9 | $ 1,435,000 | $ 159,444 | $ 145,000 |
| Denver, Colorado | 6 | $ 2,040,000 | $ 340,000 | $ 123,000 |
| Douglas, Colorado | 6 | $ 3,720,000 | $ 620,000 | $ 253,000 |
| Adams, Colorado | 4 | $ 960,000 | $ 240,000 | $ 144,000 |
| Jefferson, Colorado | 4 | $ 2,090,000 | $ 522,500 | $ 154,000 |
| Thomas, Kansas | 4 | $ 700,000 | $ 175,000 | $ 101,000 |
| Red Willow, Nebraska | 4 | $ 380,000 | $ 95,000 | $ 101,000 |
| Sedgwick, Colorado | 3 | $ 545,000 | $ 181,666 | $ 69,000 |
| Arthur, Nebraska | 3 | $ 475,000 | $ 158,333 | $ 70,000 |
| Buffalo, Nebraska | 3 | $ 1,105,000 | $ 368,333 | $ 157,000 |
| Cheyenne, Nebraska | 3 | $ 505,000 | $ 168,333 | $ 56,000 |
| Maricopa, Arizona | 2 | $ 880,000 | $ 440,000 | $ 76,000 |
| Arapahoe, Colorado | 2 | $ 3,280,000 | $ 1,640,000 | $ 304,000 |
| Logan, Colorado | 2 | $ 1,030,000 | $ 515,000 | $ 221,000 |
| Mesa, Colorado | 2 | $ 620,000 | $ 310,000 | $ 154,000 |
| Phillips, Colorado | 2 | $ 230,000 | $ 115,000 | $ 279,000 |
| Henry, Illinois | 2 | $ 340,000 | $ 170,000 | $ 24,000 |
| Sherman, Kansas | 2 | $ 200,000 | $ 100,000 | $ 57,000 |
| Wallace, Kansas | 2 | $ 80,000 | $ 40,000 | $ 53,000 |
| Broadwater, Montana | 2 | $ 390,000 | $ 195,000 | $ 130,000 |
| Lancaster, Nebraska | 2 | $ 1,030,000 | $ 515,000 | $ 162,000 |
| Sacramento, California | 1 | $ 455,000 | $ 455,000 | $ 54,000 |
| Broomfield, Colorado | 1 | $ 495,000 | $ 495,000 | $ 100,000 |
| Elbert, Colorado | 1 | $ 65,000 | $ 65,000 | $ 224,000 |
| La Plata, Colorado | 1 | $ 1,105,000 | $ 1,105,000 | $ 103,000 |
| Lake, Colorado | 1 | $ 635,000 | $ 635,000 | $ 0 |
| Montrose, Colorado | 1 | $ 205,000 | $ 205,000 | $ 389,000 |
| Park, Colorado | 1 | $ 185,000 | $ 185,000 | $ 154,000 |
| Pueblo, Colorado | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Yuma, Colorado | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Orange, Florida | 1 | $ 385,000 | $ 385,000 | $ 67,000 |
| Kendall, Illinois | 1 | $ 355,000 | $ 355,000 | $ 35,000 |
| Warrick, Indiana | 1 | $ 455,000 | $ 455,000 | $ 42,000 |
| Scott, Iowa | 1 | $ 175,000 | $ 175,000 | $ 189,000 |
| Douglas, Kansas | 1 | $ 355,000 | $ 355,000 | $ 170,000 |
| Logan, Kansas | 1 | $ 155,000 | $ 155,000 | $ 61,000 |
| Sheridan, Kansas | 1 | $ 305,000 | $ 305,000 | $ 116,000 |
| Kalamazoo, Michigan | 1 | $ 425,000 | $ 425,000 | $ 46,000 |
| Box Butte, Nebraska | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Cherry, Nebraska | 1 | $ 145,000 | $ 145,000 | $ 43,000 |
| Custer, Nebraska | 1 | $ 375,000 | $ 375,000 | $ 123,000 |
| Franklin, Nebraska | 1 | $ 55,000 | $ 55,000 | $ 114,000 |
| Frontier, Nebraska | 1 | $ 55,000 | $ 55,000 | $ 172,000 |
| Furnas, Nebraska | 1 | $ 55,000 | $ 55,000 | $ 48,000 |
| Garfield, Nebraska | 1 | $ 45,000 | $ 45,000 | $ 61,000 |
| Kimball, Nebraska | 1 | $ 535,000 | $ 535,000 | $ 141,000 |
| Logan, Nebraska | 1 | $ 185,000 | $ 185,000 | $ 112,000 |
| Morrill, Nebraska | 1 | $ 185,000 | $ 185,000 | $ 70,000 |
| York, Nebraska | 1 | $ 285,000 | $ 285,000 | $ 65,000 |
| Washoe, Nevada | 1 | $ 575,000 | $ 575,000 | $ 116,000 |
| Surry, North Carolina | 1 | $ 165,000 | $ 165,000 | $ 41,000 |
| Meade, South Dakota | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Pennington, South Dakota | 1 | $ 395,000 | $ 395,000 | $ 70,000 |
| Hamilton, Tennessee | 1 | $ 585,000 | $ 585,000 | $ 156,000 |
| Colorado, Texas | 1 | $ 365,000 | $ 365,000 | $ 204,000 |
| San Juan, Utah | 1 | $ 125,000 | $ 125,000 | $ 81,000 |
| Utah, Utah | 1 | $ 155,000 | $ 155,000 | $ 52,000 |
| Greenbrier, West Virginia | 1 | $ 435,000 | $ 435,000 | $ 89,000 |
| Natrona, Wyoming | 1 | $ 275,000 | $ 275,000 | $ 51,000 |
Mortgage Loan Application Detail Totals for Adams Bank & Trust in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 308 | $98,610,000 | $320,000 | $2,725,000 | $116,000 | $808,000 |
| Refinancing | 45 | $9,445,000 | $209,000 | $555,000 | $452,000 | $7,042,000 |
| Cash-out Refinancing | 36 | $7,370,000 | $204,000 | $805,000 | $128,000 | $576,000 |
| Home Improvement | 33 | $1,745,000 | $52,000 | $205,000 | $119,000 | $301,000 |
| Other Purpose | 15 | $1,315,000 | $87,000 | $255,000 | $117,000 | $439,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 370 | $102,740,000 | $277,000 | $2,725,000 | $153,000 | $7,042,000 |
| Not Provided | 29 | $8,065,000 | $278,000 | $665,000 | $140,000 | $672,000 |
| Hispanic | 20 | $3,950,000 | $197,000 | $425,000 | $103,000 | $172,000 |
| Not applicable | 13 | $2,935,000 | $225,000 | $635,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $250,000 | $125,000 | $145,000 | $221,000 | $288,000 |
| Asian | 2 | $440,000 | $220,000 | $385,000 | $65,000 | $77,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $105,000 | $105,000 | $105,000 | $94,000 | $94,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 405 | $111,925,000 | $276,000 | $2,725,000 | $155,000 | $7,042,000 |
| FHA-insured (Federal Housing Administration) | 24 | $4,970,000 | $207,000 | $555,000 | $76,000 | $192,000 |
| VA-guaranteed (Veterans Administration) | 5 | $1,215,000 | $243,000 | $495,000 | $118,000 | $282,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $375,000 | $125,000 | $205,000 | $66,000 | $76,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 312 | $81,240,000 | $260,000 | $1,855,000 | $119,000 | $808,000 |
| Application Withdrawn By Applicant | 71 | $25,875,000 | $364,000 | $2,725,000 | $141,000 | $672,000 |
| Application Denied By Financial Institution | 38 | $8,080,000 | $212,000 | $805,000 | $79,000 | $354,000 |
| Application Approved But Not Accepted | 8 | $1,660,000 | $207,000 | $405,000 | $1,684,000 | $7,042,000 |
| File Closed For Incompleteness | 8 | $1,630,000 | $203,000 | $735,000 | $133,000 | $389,000 |
| 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 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 399 | $110,405,000 | $276,000 | $2,725,000 | $156,000 | $7,042,000 |
| Debt-To-Income Ratio | 15 | $4,275,000 | $285,000 | $805,000 | $81,000 | $354,000 |
| Credit History | 14 | $2,060,000 | $147,000 | $555,000 | $55,000 | $114,000 |
| Collateral | 3 | $395,000 | $131,000 | $275,000 | $158,000 | $267,000 |
| Employment History | 2 | $150,000 | $75,000 | $145,000 | $88,000 | $88,000 |
| Unverifiable Information | 2 | $700,000 | $350,000 | $395,000 | $97,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $145,000 | $145,000 | $145,000 | $116,000 | $116,000 |
| Other | 1 | $355,000 | $355,000 | $355,000 | $76,000 | $76,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Adams Bank & Trust's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Adams Bank & Trust's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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with aggregated HMDA statistics today.
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