Adams Bank & Trust Mortgage Lending & HMDA Data, 2012
In 2012, Adams Bank & Trust of Ogallala, NE reported 401 mortgage applications totaling $39.0 million, up 1% from 2011. The average application was for $97,147, and applicants reported an average income of $81,219. 93% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Colorado Springs, CO (14), Fort Collins-Loveland, CO (10) and Denver-Aurora-Broomfield, 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 | 401 |
| Total Mortgage Loan Application Amount | $38,956,000 |
| Average Mortgage Loan Application Amount | $97,147 |
| Highest Mortgage Loan Application Amount | $1,800,000 |
| Average Applicant Income | $81,219 |
| Highest Applicant Income | $1,372,000 |
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Act (HMDA) records Adams Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 128 | $ 13,224,000 | $ 103,312 | $ 86,000 |
| Keith, Nebraska | 115 | $ 7,752,000 | $ 67,408 | $ 68,000 |
| Chase, Nebraska | 26 | $ 2,456,000 | $ 94,461 | $ 74,000 |
| Deuel, Nebraska | 20 | $ 1,009,000 | $ 50,450 | $ 62,000 |
| Perkins, Nebraska | 17 | $ 1,207,000 | $ 71,000 | $ 76,000 |
| Garden, Nebraska | 13 | $ 767,000 | $ 59,000 | $ 61,000 |
| El Paso, Colorado | 11 | $ 950,000 | $ 86,363 | $ 1,000 |
| Larimer, Colorado | 10 | $ 706,000 | $ 70,600 | $ 316,000 |
| Yavapai, Arizona | 5 | $ 1,492,000 | $ 298,400 | $ 120,000 |
| Weld, Colorado | 5 | $ 569,000 | $ 113,800 | $ 87,000 |
| Buffalo, Nebraska | 5 | $ 731,000 | $ 146,200 | $ 71,000 |
| Boulder, Colorado | 3 | $ 2,874,000 | $ 958,000 | $ 0 |
| Teller, Colorado | 3 | $ 198,000 | $ 66,000 | $ 148,000 |
| Red Willow, Nebraska | 3 | $ 98,000 | $ 32,666 | $ 45,000 |
| Adams, Colorado | 2 | $ 241,000 | $ 120,500 | $ 26,000 |
| Denver, Colorado | 2 | $ 409,000 | $ 204,500 | $ 0 |
| Cheyenne, Nebraska | 2 | $ 74,000 | $ 37,000 | $ 49,000 |
| Custer, Nebraska | 2 | $ 221,000 | $ 110,500 | $ 273,000 |
| Dawson, Nebraska | 2 | $ 62,000 | $ 31,000 | $ 78,000 |
| Douglas, Nebraska | 2 | $ 263,000 | $ 131,500 | $ 171,000 |
| Frontier, Nebraska | 2 | $ 87,000 | $ 43,500 | $ 26,000 |
| Lancaster, Nebraska | 2 | $ 380,000 | $ 190,000 | $ 136,000 |
| Logan, Nebraska | 2 | $ 82,000 | $ 41,000 | $ 36,000 |
| Pinal, Arizona | 1 | $ 286,000 | $ 286,000 | $ 433,000 |
| Broomfield, Colorado | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Jefferson, Colorado | 1 | $ 215,000 | $ 215,000 | $ 107,000 |
| Lake, Colorado | 1 | $ 260,000 | $ 260,000 | $ 0 |
| Sedgwick, Colorado | 1 | $ 92,000 | $ 92,000 | $ 62,000 |
| Cass, Nebraska | 1 | $ 165,000 | $ 165,000 | $ 76,000 |
| Clay, Nebraska | 1 | $ 121,000 | $ 121,000 | $ 49,000 |
| Dundy, Nebraska | 1 | $ 11,000 | $ 11,000 | $ 84,000 |
| Hall, Nebraska | 1 | $ 46,000 | $ 46,000 | $ 31,000 |
| Harlan, Nebraska | 1 | $ 66,000 | $ 66,000 | $ 139,000 |
| Hitchcock, Nebraska | 1 | $ 28,000 | $ 28,000 | $ 74,000 |
| Kimball, Nebraska | 1 | $ 78,000 | $ 78,000 | $ 189,000 |
| McPherson, Nebraska | 1 | $ 35,000 | $ 35,000 | $ 57,000 |
| Phelps, Nebraska | 1 | $ 25,000 | $ 25,000 | $ 50,000 |
| Clark, Nevada | 1 | $ 370,000 | $ 370,000 | $ 203,000 |
| Lorain, Ohio | 1 | $ 156,000 | $ 156,000 | $ 84,000 |
| Bexar, Texas | 1 | $ 800,000 | $ 800,000 | $ 0 |
| Hill, Texas | 1 | $ 180,000 | $ 180,000 | $ 32,000 |
Mortgage Loan Application Detail Totals for Adams Bank & Trust in 2012
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 | 177 | $19,714,000 | $111,000 | $1,800,000 | $89,000 | $1,372,000 |
| Home Purchase | 170 | $17,483,000 | $102,000 | $550,000 | $77,000 | $480,000 |
| Home Improvement | 54 | $1,759,000 | $32,000 | $170,000 | $69,000 | $260,000 |
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 | 370 | $33,350,000 | $90,000 | $774,000 | $86,000 | $1,372,000 |
| Not applicable | 22 | $5,013,000 | $227,000 | $1,800,000 | $0 | $0 |
| Hispanic | 9 | $593,000 | $65,000 | $130,000 | $78,000 | $120,000 |
| 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 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 386 | $37,580,000 | $97,000 | $1,800,000 | $82,000 | $1,372,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,198,000 | $85,000 | $200,000 | $44,000 | $105,000 |
| VA-guaranteed (Veterans Administration) | 1 | $178,000 | $178,000 | $178,000 | $55,000 | $55,000 |
| 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 | 372 | $36,948,000 | $99,000 | $1,800,000 | $82,000 | $1,372,000 |
| Application Denied By Financial Institution | 24 | $1,570,000 | $65,000 | $261,000 | $53,000 | $146,000 |
| Application Withdrawn By Applicant | 5 | $438,000 | $87,000 | $165,000 | $148,000 | $480,000 |
| 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 | 5 | $302,000 | $60,000 | $85,000 | $46,000 | $84,000 |
| Collateral | 3 | $398,000 | $132,000 | $261,000 | $82,000 | $122,000 |
| Debt-To-Income Ratio | 2 | $157,000 | $78,000 | $107,000 | $28,000 | $39,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $77,000 | $77,000 | $77,000 | $71,000 | $71,000 |
| Other | 1 | $50,000 | $50,000 | $50,000 | $72,000 | $72,000 |
| 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 2012 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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