Adams Bank & Trust Mortgage Lending & HMDA Data, 2011
In 2011, Adams Bank & Trust of Ogallala, NE reported 399 mortgage applications totaling $37.9 million, down 7% from 2010. The average application was for $94,969, and applicants reported an average income of $69,413. 88% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Colorado Springs, CO (21), Denver-Aurora-Broomfield, CO (10) 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 | 399 |
| Total Mortgage Loan Application Amount | $37,893,000 |
| Average Mortgage Loan Application Amount | $94,969 |
| Highest Mortgage Loan Application Amount | $1,800,000 |
| Average Applicant Income | $69,413 |
| Highest Applicant Income | $389,000 |
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Act (HMDA) records Adams Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 124 | $ 8,791,000 | $ 70,895 | $ 75,000 |
| Lincoln, Nebraska | 109 | $ 10,428,000 | $ 95,669 | $ 75,000 |
| Perkins, Nebraska | 23 | $ 1,290,000 | $ 56,086 | $ 75,000 |
| El Paso, Colorado | 20 | $ 2,583,000 | $ 129,150 | $ 38,000 |
| Chase, Nebraska | 17 | $ 1,359,000 | $ 79,941 | $ 47,000 |
| Deuel, Nebraska | 13 | $ 664,000 | $ 51,076 | $ 64,000 |
| Garden, Nebraska | 11 | $ 992,000 | $ 90,181 | $ 50,000 |
| Cheyenne, Nebraska | 8 | $ 373,000 | $ 46,625 | $ 59,000 |
| Yavapai, Arizona | 6 | $ 1,570,000 | $ 261,666 | $ 86,000 |
| Larimer, Colorado | 6 | $ 1,009,000 | $ 168,166 | $ 113,000 |
| Sedgwick, Colorado | 5 | $ 232,000 | $ 46,400 | $ 27,000 |
| Red Willow, Nebraska | 5 | $ 207,000 | $ 41,400 | $ 45,000 |
| Denver, Colorado | 4 | $ 1,036,000 | $ 259,000 | $ 10,000 |
| Arapahoe, Colorado | 3 | $ 330,000 | $ 110,000 | $ 64,000 |
| Boulder, Colorado | 3 | $ 2,248,000 | $ 749,333 | $ 94,000 |
| Weld, Colorado | 3 | $ 406,000 | $ 135,333 | $ 75,000 |
| Custer, Nebraska | 3 | $ 196,000 | $ 65,333 | $ 56,000 |
| Garfield, Nebraska | 3 | $ 181,000 | $ 60,333 | $ 51,000 |
| Lancaster, Nebraska | 3 | $ 760,000 | $ 253,333 | $ 132,000 |
| Adams, Colorado | 2 | $ 197,000 | $ 98,500 | $ 84,000 |
| Thomas, Kansas | 2 | $ 181,000 | $ 90,500 | $ 65,000 |
| Arthur, Nebraska | 2 | $ 77,000 | $ 38,500 | $ 67,000 |
| Frontier, Nebraska | 2 | $ 152,000 | $ 76,000 | $ 53,000 |
| Hitchcock, Nebraska | 2 | $ 121,000 | $ 60,500 | $ 154,000 |
| Maricopa, Arizona | 1 | $ 126,000 | $ 126,000 | $ 114,000 |
| Pinal, Arizona | 1 | $ 59,000 | $ 59,000 | $ 0 |
| Santa Barbara, California | 1 | $ 27,000 | $ 27,000 | $ 0 |
| Douglas, Colorado | 1 | $ 274,000 | $ 274,000 | $ 0 |
| Montrose, Colorado | 1 | $ 624,000 | $ 624,000 | $ 0 |
| Teller, Colorado | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Lyon, Minnesota | 1 | $ 210,000 | $ 210,000 | $ 64,000 |
| Buffalo, Nebraska | 1 | $ 40,000 | $ 40,000 | $ 135,000 |
| Dawson, Nebraska | 1 | $ 36,000 | $ 36,000 | $ 29,000 |
| Douglas, Nebraska | 1 | $ 127,000 | $ 127,000 | $ 99,000 |
| Gosper, Nebraska | 1 | $ 88,000 | $ 88,000 | $ 155,000 |
| Grant, Nebraska | 1 | $ 83,000 | $ 83,000 | $ 30,000 |
| Jefferson, Nebraska | 1 | $ 27,000 | $ 27,000 | $ 63,000 |
| Kimball, Nebraska | 1 | $ 65,000 | $ 65,000 | $ 39,000 |
| Logan, Nebraska | 1 | $ 124,000 | $ 124,000 | $ 67,000 |
| Polk, Nebraska | 1 | $ 18,000 | $ 18,000 | $ 25,000 |
| Seward, Nebraska | 1 | $ 6,000 | $ 6,000 | $ 80,000 |
| Clark, Nevada | 1 | $ 270,000 | $ 270,000 | $ 94,000 |
| Natrona, Wyoming | 1 | $ 167,000 | $ 167,000 | $ 81,000 |
Mortgage Loan Application Detail Totals for Adams Bank & Trust in 2011
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 | 171 | $15,598,000 | $91,000 | $645,000 | $64,000 | $368,000 |
| Refinancing | 168 | $19,354,000 | $115,000 | $1,800,000 | $74,000 | $389,000 |
| Home Improvement | 60 | $2,941,000 | $49,000 | $400,000 | $72,000 | $258,000 |
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 | 353 | $30,872,000 | $87,000 | $672,000 | $76,000 | $389,000 |
| Not applicable | 37 | $6,502,000 | $175,000 | $1,800,000 | $0 | $15,000 |
| Hispanic | 8 | $260,000 | $32,000 | $72,000 | $72,000 | $167,000 |
| Black or African American | 1 | $259,000 | $259,000 | $259,000 | $68,000 | $68,000 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 371 | $35,713,000 | $96,000 | $1,800,000 | $71,000 | $389,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 27 | $2,148,000 | $79,000 | $135,000 | $48,000 | $78,000 |
| FHA-insured (Federal Housing Administration) | 1 | $32,000 | $32,000 | $32,000 | $20,000 | $20,000 |
| 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 | 352 | $33,803,000 | $96,000 | $1,800,000 | $72,000 | $389,000 |
| Application Denied By Financial Institution | 36 | $2,815,000 | $78,000 | $355,000 | $47,000 | $131,000 |
| Application Withdrawn By Applicant | 11 | $1,275,000 | $115,000 | $300,000 | $59,000 | $171,000 |
| 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 | 8 | $532,000 | $66,000 | $124,000 | $39,000 | $82,000 |
| Employment History | 1 | $40,000 | $40,000 | $40,000 | $63,000 | $63,000 |
| 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 2011 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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