Adams Bank & Trust Mortgage Lending & HMDA Data, 2008
In 2008, Adams Bank & Trust of Ogallala, NE reported 379 mortgage applications totaling $27.6 million, up 73% from 2007. The average application was for $72,936, and applicants reported an average income of $69,733. 92% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Colorado Springs, CO (13), Denver-Aurora, CO (7) and Fort Collins-Loveland, CO (6) (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 | 379 |
| Total Mortgage Loan Application Amount | $27,643,000 |
| Average Mortgage Loan Application Amount | $72,936 |
| Highest Mortgage Loan Application Amount | $825,000 |
| Average Applicant Income | $69,733 |
| Highest Applicant Income | $700,000 |
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Act (HMDA) records Adams Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 112 | $ 5,484,000 | $ 48,964 | $ 59,000 |
| Lincoln, Nebraska | 109 | $ 9,236,000 | $ 84,733 | $ 66,000 |
| Chase, Nebraska | 23 | $ 1,461,000 | $ 63,521 | $ 57,000 |
| Deuel, Nebraska | 17 | $ 758,000 | $ 44,588 | $ 39,000 |
| Perkins, Nebraska | 16 | $ 971,000 | $ 60,687 | $ 85,000 |
| Garden, Nebraska | 15 | $ 596,000 | $ 39,733 | $ 52,000 |
| Red Willow, Nebraska | 9 | $ 348,000 | $ 38,666 | $ 53,000 |
| El Paso, Colorado | 8 | $ 887,000 | $ 110,875 | $ 158,000 |
| Larimer, Colorado | 6 | $ 382,000 | $ 63,666 | $ 166,000 |
| Teller, Colorado | 5 | $ 518,000 | $ 103,600 | $ 83,000 |
| Custer, Nebraska | 5 | $ 185,000 | $ 37,000 | $ 65,000 |
| Dawson, Nebraska | 5 | $ 432,000 | $ 86,400 | $ 111,000 |
| Jefferson, Colorado | 4 | $ 1,238,000 | $ 309,500 | $ 222,000 |
| Weld, Colorado | 4 | $ 321,000 | $ 80,250 | $ 64,000 |
| Cheyenne, Nebraska | 4 | $ 258,000 | $ 64,500 | $ 66,000 |
| Frontier, Nebraska | 4 | $ 435,000 | $ 108,750 | $ 52,000 |
| Lancaster, Nebraska | 3 | $ 379,000 | $ 126,333 | $ 47,000 |
| Yavapai, Arizona | 2 | $ 703,000 | $ 351,500 | $ 203,000 |
| Broomfield, Colorado | 2 | $ 300,000 | $ 150,000 | $ 400,000 |
| Sedgwick, Colorado | 2 | $ 110,000 | $ 55,000 | $ 47,000 |
| Thomas, Kansas | 2 | $ 111,000 | $ 55,500 | $ 92,000 |
| Howard, Nebraska | 2 | $ 38,000 | $ 19,000 | $ 26,000 |
| Adams, Colorado | 1 | $ 246,000 | $ 246,000 | $ 0 |
| Phillips, Colorado | 1 | $ 162,000 | $ 162,000 | $ 74,000 |
| Yuma, Colorado | 1 | $ 35,000 | $ 35,000 | $ 91,000 |
| Fremont, Iowa | 1 | $ 43,000 | $ 43,000 | $ 40,000 |
| Cheyenne, Kansas | 1 | $ 8,000 | $ 8,000 | $ 26,000 |
| Dodge, Nebraska | 1 | $ 51,000 | $ 51,000 | $ 44,000 |
| Furnas, Nebraska | 1 | $ 55,000 | $ 55,000 | $ 56,000 |
| Grant, Nebraska | 1 | $ 120,000 | $ 120,000 | $ 17,000 |
| Hall, Nebraska | 1 | $ 11,000 | $ 11,000 | $ 68,000 |
| Hayes, Nebraska | 1 | $ 27,000 | $ 27,000 | $ 261,000 |
| Hitchcock, Nebraska | 1 | $ 19,000 | $ 19,000 | $ 146,000 |
| Hooker, Nebraska | 1 | $ 50,000 | $ 50,000 | $ 64,000 |
| McPherson, Nebraska | 1 | $ 124,000 | $ 124,000 | $ 94,000 |
| Phelps, Nebraska | 1 | $ 12,000 | $ 12,000 | $ 54,000 |
| Scotts Bluff, Nebraska | 1 | $ 40,000 | $ 40,000 | $ 28,000 |
| Thomas, Nebraska | 1 | $ 24,000 | $ 24,000 | $ 40,000 |
| Pennington, South Dakota | 1 | $ 420,000 | $ 420,000 | $ 86,000 |
| Bexar, Texas | 1 | $ 825,000 | $ 825,000 | $ 0 |
| Goshen, Wyoming | 1 | $ 95,000 | $ 95,000 | $ 17,000 |
| Natrona, Wyoming | 1 | $ 125,000 | $ 125,000 | $ 66,000 |
Mortgage Loan Application Detail Totals for Adams Bank & Trust in 2008
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 |
|---|---|---|---|---|---|---|
| Refinancing | 172 | $12,623,000 | $73,000 | $424,000 | $67,000 | $286,000 |
| Home Purchase | 134 | $11,662,000 | $87,000 | $825,000 | $78,000 | $700,000 |
| Home Improvement | 73 | $3,358,000 | $46,000 | $330,000 | $61,000 | $242,000 |
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 | 359 | $24,777,000 | $69,000 | $600,000 | $69,000 | $700,000 |
| Hispanic | 12 | $893,000 | $74,000 | $308,000 | $52,000 | $131,000 |
| Not applicable | 6 | $1,443,000 | $240,000 | $825,000 | $133,000 | $400,000 |
| Asian | 1 | $180,000 | $180,000 | $180,000 | $116,000 | $116,000 |
| Black or African American | 1 | $350,000 | $350,000 | $350,000 | $215,000 | $215,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 379 | $27,643,000 | $72,000 | $825,000 | $70,000 | $700,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans 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 | 350 | $25,623,000 | $73,000 | $825,000 | $71,000 | $700,000 |
| Application Withdrawn By Applicant | 15 | $1,329,000 | $88,000 | $160,000 | $64,000 | $175,000 |
| Application Denied By Financial Institution | 14 | $691,000 | $49,000 | $250,000 | $48,000 | $240,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 6 | $213,000 | $35,000 | $70,000 | $38,000 | $113,000 |
| Employment History | 1 | $8,000 | $8,000 | $8,000 | $26,000 | $26,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 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 2008 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.
For a list of all lenders in Nebraska, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About