Adams Bank & Trust Mortgage Lending & HMDA Data, 2006
In 2006, Adams Bank & Trust of Ogallala, NE reported 285 mortgage applications totaling $13.4 million, down 20% from 2005. The average application was for $47,031, and applicants reported an average income of $55,687. 82% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Fort Collins-Loveland, CO (2), Greeley, CO (2) and Colorado Springs, CO (1) (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 | 285 |
| Total Mortgage Loan Application Amount | $13,404,000 |
| Average Mortgage Loan Application Amount | $47,031 |
| Highest Mortgage Loan Application Amount | $297,000 |
| Average Applicant Income | $55,687 |
| Highest Applicant Income | $296,000 |
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Act (HMDA) records Adams Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Keith, Nebraska | 113 | $ 4,719,000 | $ 41,761 | $ 53,000 |
| Lincoln, Nebraska | 56 | $ 2,975,000 | $ 53,125 | $ 64,000 |
| Chase, Nebraska | 22 | $ 709,000 | $ 32,227 | $ 41,000 |
| Perkins, Nebraska | 21 | $ 805,000 | $ 38,333 | $ 65,000 |
| Deuel, Nebraska | 19 | $ 745,000 | $ 39,210 | $ 44,000 |
| Garden, Nebraska | 17 | $ 1,084,000 | $ 63,764 | $ 63,000 |
| Cheyenne, Nebraska | 4 | $ 165,000 | $ 41,250 | $ 46,000 |
| Frontier, Nebraska | 3 | $ 180,000 | $ 60,000 | $ 38,000 |
| Red Willow, Nebraska | 3 | $ 117,000 | $ 39,000 | $ 59,000 |
| Larimer, Colorado | 2 | $ 59,000 | $ 29,500 | $ 39,000 |
| Sedgwick, Colorado | 2 | $ 141,000 | $ 70,500 | $ 56,000 |
| Weld, Colorado | 2 | $ 106,000 | $ 53,000 | $ 78,000 |
| Custer, Nebraska | 2 | $ 36,000 | $ 18,000 | $ 45,000 |
| Dundy, Nebraska | 2 | $ 65,000 | $ 32,500 | $ 55,000 |
| Bryan, Oklahoma | 2 | $ 300,000 | $ 150,000 | $ 59,000 |
| Yavapai, Arizona | 1 | $ 297,000 | $ 297,000 | $ 58,000 |
| Adams, Colorado | 1 | $ 51,000 | $ 51,000 | $ 52,000 |
| Teller, Colorado | 1 | $ 264,000 | $ 264,000 | $ 288,000 |
| Yuma, Colorado | 1 | $ 94,000 | $ 94,000 | $ 54,000 |
| Ravalli, Montana | 1 | $ 150,000 | $ 150,000 | $ 42,000 |
| Arthur, Nebraska | 1 | $ 40,000 | $ 40,000 | $ 29,000 |
| Box Butte, Nebraska | 1 | $ 49,000 | $ 49,000 | $ 70,000 |
| Dawson, Nebraska | 1 | $ 23,000 | $ 23,000 | $ 41,000 |
| Hall, Nebraska | 1 | $ 116,000 | $ 116,000 | $ 34,000 |
| Hooker, Nebraska | 1 | $ 3,000 | $ 3,000 | $ 36,000 |
| Keya Paha, Nebraska | 1 | $ 22,000 | $ 22,000 | $ 21,000 |
| Kimball, Nebraska | 1 | $ 16,000 | $ 16,000 | $ 209,000 |
| Scotts Bluff, Nebraska | 1 | $ 23,000 | $ 23,000 | $ 21,000 |
| Thomas, Nebraska | 1 | $ 18,000 | $ 18,000 | $ 24,000 |
Mortgage Loan Application Detail Totals for Adams Bank & Trust in 2006
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 | 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 |
| Home Improvement | 69 | $1,762,000 | $25,000 | $126,000 | $55,000 | $209,000 |
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 | 268 | $12,727,000 | $47,000 | $297,000 | $56,000 | $296,000 |
| Hispanic | 14 | $537,000 | $38,000 | $94,000 | $48,000 | $120,000 |
| American Indian or Alaskan Native | 1 | $19,000 | $19,000 | $19,000 | $20,000 | $20,000 |
| 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 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 270 | $12,603,000 | $46,000 | $297,000 | $57,000 | $296,000 |
| 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 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 233 | $9,791,000 | $42,000 | $264,000 | $57,000 | $296,000 |
| 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 |
| Application Approved But Not Accepted | 1 | $297,000 | $297,000 | $297,000 | $58,000 | $58,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 9 | $443,000 | $49,000 | $79,000 | $45,000 | $90,000 |
| Collateral | 3 | $104,000 | $34,000 | $50,000 | $44,000 | $60,000 |
| Debt-To-Income Ratio | 2 | $200,000 | $100,000 | $150,000 | $30,000 | $42,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $160,000 | $160,000 | $160,000 | $5,000 | $5,000 |
| Other | 1 | $193,000 | $193,000 | $193,000 | $84,000 | $84,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Adams Bank & Trust's 2006 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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