Adams Bank & Trust Mortgage Lending & HMDA Data, 2010
In 2010, Adams Bank & Trust of Ogallala, NE reported 427 mortgage applications totaling $39.9 million, down 7% from 2009. The average application was for $93,538, and applicants reported an average income of $70,086. 88% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Colorado Springs, CO (16), Denver-Aurora-Broomfield, CO (11) and Fort Collins-Loveland, CO (9) (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 | 427 |
| Total Mortgage Loan Application Amount | $39,941,000 |
| Average Mortgage Loan Application Amount | $93,538 |
| Highest Mortgage Loan Application Amount | $1,371,000 |
| Average Applicant Income | $70,086 |
| Highest Applicant Income | $1,414,000 |
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Act (HMDA) records Adams Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 143 | $ 13,007,000 | $ 90,958 | $ 74,000 |
| Keith, Nebraska | 124 | $ 8,744,000 | $ 70,516 | $ 67,000 |
| Chase, Nebraska | 23 | $ 1,491,000 | $ 64,826 | $ 62,000 |
| Deuel, Nebraska | 23 | $ 1,278,000 | $ 55,565 | $ 45,000 |
| Perkins, Nebraska | 21 | $ 1,825,000 | $ 86,904 | $ 122,000 |
| El Paso, Colorado | 13 | $ 1,487,000 | $ 114,384 | $ 5,000 |
| Garden, Nebraska | 10 | $ 326,000 | $ 32,600 | $ 56,000 |
| Larimer, Colorado | 9 | $ 1,364,000 | $ 151,555 | $ 139,000 |
| Red Willow, Nebraska | 9 | $ 631,000 | $ 70,111 | $ 61,000 |
| Cheyenne, Nebraska | 7 | $ 450,000 | $ 64,285 | $ 49,000 |
| Denver, Colorado | 5 | $ 4,410,000 | $ 882,000 | $ 0 |
| Sedgwick, Colorado | 5 | $ 193,000 | $ 38,600 | $ 38,000 |
| Lancaster, Nebraska | 5 | $ 610,000 | $ 122,000 | $ 85,000 |
| Arapahoe, Colorado | 3 | $ 407,000 | $ 135,666 | $ 102,000 |
| Teller, Colorado | 3 | $ 414,000 | $ 138,000 | $ 157,000 |
| Weld, Colorado | 3 | $ 463,000 | $ 154,333 | $ 216,000 |
| Pinal, Arizona | 2 | $ 263,000 | $ 131,500 | $ 0 |
| Boulder, Colorado | 2 | $ 798,000 | $ 399,000 | $ 102,000 |
| Hooker, Nebraska | 2 | $ 52,000 | $ 26,000 | $ 71,000 |
| Maricopa, Arizona | 1 | $ 145,000 | $ 145,000 | $ 38,000 |
| Adams, Colorado | 1 | $ 210,000 | $ 210,000 | $ 133,000 |
| Douglas, Colorado | 1 | $ 57,000 | $ 57,000 | $ 0 |
| Elbert, Colorado | 1 | $ 275,000 | $ 275,000 | $ 84,000 |
| Phillips, Colorado | 1 | $ 167,000 | $ 167,000 | $ 80,000 |
| Minidoka, Idaho | 1 | $ 43,000 | $ 43,000 | $ 80,000 |
| Madison, Illinois | 1 | $ 115,000 | $ 115,000 | $ 92,000 |
| Thomas, Kansas | 1 | $ 49,000 | $ 49,000 | $ 16,000 |
| Buffalo, Nebraska | 1 | $ 152,000 | $ 152,000 | $ 69,000 |
| Douglas, Nebraska | 1 | $ 344,000 | $ 344,000 | $ 200,000 |
| Frontier, Nebraska | 1 | $ 64,000 | $ 64,000 | $ 57,000 |
| Hall, Nebraska | 1 | $ 9,000 | $ 9,000 | $ 48,000 |
| Kimball, Nebraska | 1 | $ 10,000 | $ 10,000 | $ 24,000 |
| Logan, Nebraska | 1 | $ 23,000 | $ 23,000 | $ 53,000 |
| Pennington, South Dakota | 1 | $ 65,000 | $ 65,000 | $ 48,000 |
Mortgage Loan Application Detail Totals for Adams Bank & Trust in 2010
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 | 197 | $19,769,000 | $100,000 | $1,371,000 | $76,000 | $794,000 |
| Home Purchase | 165 | $18,439,000 | $111,000 | $938,000 | $67,000 | $1,414,000 |
| Home Improvement | 65 | $1,733,000 | $26,000 | $106,000 | $60,000 | $144,000 |
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 | 390 | $33,024,000 | $84,000 | $650,000 | $76,000 | $1,414,000 |
| Not applicable | 28 | $6,117,000 | $218,000 | $1,371,000 | $0 | $0 |
| Hispanic | 7 | $525,000 | $75,000 | $150,000 | $70,000 | $195,000 |
| Asian | 2 | $275,000 | $137,000 | $143,000 | $34,000 | $44,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 411 | $39,066,000 | $95,000 | $1,371,000 | $72,000 | $1,414,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $617,000 | $47,000 | $80,000 | $33,000 | $55,000 |
| FHA-insured (Federal Housing Administration) | 3 | $258,000 | $86,000 | $167,000 | $45,000 | $80,000 |
| 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 | 374 | $36,156,000 | $96,000 | $1,371,000 | $74,000 | $1,414,000 |
| Application Denied By Financial Institution | 44 | $2,547,000 | $57,000 | $249,000 | $42,000 | $127,000 |
| Application Withdrawn By Applicant | 9 | $1,238,000 | $137,000 | $650,000 | $61,000 | $129,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 13 | $694,000 | $53,000 | $115,000 | $43,000 | $76,000 |
| Collateral | 3 | $346,000 | $115,000 | $249,000 | $72,000 | $127,000 |
| Debt-To-Income Ratio | 1 | $35,000 | $35,000 | $35,000 | $18,000 | $18,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $61,000 | $61,000 | $61,000 | $54,000 | $54,000 |
| Other | 1 | $51,000 | $51,000 | $51,000 | $36,000 | $36,000 |
| 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 2010 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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