Adams Bank & Trust Mortgage Lending & HMDA Data, 2013
In 2013, Adams Bank & Trust of Ogallala, NE reported 481 mortgage applications totaling $49.3 million, up 20% from 2012. The average application was for $102,521, and applicants reported an average income of $89,779. 93% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Colorado Springs, CO (23), Fort Collins-Loveland, CO (14) and Denver-Aurora-Broomfield, CO (11) (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 | 481 |
| Total Mortgage Loan Application Amount | $49,313,000 |
| Average Mortgage Loan Application Amount | $102,521 |
| Highest Mortgage Loan Application Amount | $925,000 |
| Average Applicant Income | $89,779 |
| Highest Applicant Income | $1,480,000 |
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Act (HMDA) records Adams Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 160 | $ 15,398,000 | $ 96,237 | $ 109,000 |
| Keith, Nebraska | 114 | $ 9,391,000 | $ 82,377 | $ 77,000 |
| Perkins, Nebraska | 36 | $ 2,807,000 | $ 77,972 | $ 81,000 |
| Chase, Nebraska | 35 | $ 2,541,000 | $ 72,600 | $ 77,000 |
| El Paso, Colorado | 22 | $ 2,870,000 | $ 130,454 | $ 19,000 |
| Larimer, Colorado | 14 | $ 1,927,000 | $ 137,642 | $ 139,000 |
| Garden, Nebraska | 14 | $ 1,126,000 | $ 80,428 | $ 81,000 |
| Red Willow, Nebraska | 8 | $ 774,000 | $ 96,750 | $ 74,000 |
| Deuel, Nebraska | 7 | $ 319,000 | $ 45,571 | $ 40,000 |
| Cheyenne, Nebraska | 5 | $ 1,179,000 | $ 235,800 | $ 40,000 |
| Denver, Colorado | 4 | $ 1,419,000 | $ 354,750 | $ 0 |
| Douglas, Nebraska | 4 | $ 650,000 | $ 162,500 | $ 212,000 |
| Yavapai, Arizona | 3 | $ 425,000 | $ 141,666 | $ 70,000 |
| Indian River, Florida | 3 | $ 306,000 | $ 102,000 | $ 0 |
| Garfield, Nebraska | 3 | $ 113,000 | $ 37,666 | $ 75,000 |
| Pima, Arizona | 2 | $ 419,000 | $ 209,500 | $ 268,000 |
| Adams, Colorado | 2 | $ 166,000 | $ 83,000 | $ 0 |
| Jefferson, Colorado | 2 | $ 612,000 | $ 306,000 | $ 0 |
| Logan, Colorado | 2 | $ 256,000 | $ 128,000 | $ 107,000 |
| Weld, Colorado | 2 | $ 801,000 | $ 400,500 | $ 171,000 |
| Buffalo, Nebraska | 2 | $ 254,000 | $ 127,000 | $ 147,000 |
| Hooker, Nebraska | 2 | $ 95,000 | $ 47,500 | $ 54,000 |
| Lancaster, Nebraska | 2 | $ 359,000 | $ 179,500 | $ 182,000 |
| Shelby, Tennessee | 2 | $ 186,000 | $ 93,000 | $ 0 |
| Maricopa, Arizona | 1 | $ 300,000 | $ 300,000 | $ 32,000 |
| Arapahoe, Colorado | 1 | $ 777,000 | $ 777,000 | $ 0 |
| Boulder, Colorado | 1 | $ 113,000 | $ 113,000 | $ 50,000 |
| Douglas, Colorado | 1 | $ 92,000 | $ 92,000 | $ 187,000 |
| Eagle, Colorado | 1 | $ 350,000 | $ 350,000 | $ 500,000 |
| Elbert, Colorado | 1 | $ 189,000 | $ 189,000 | $ 0 |
| Sedgwick, Colorado | 1 | $ 63,000 | $ 63,000 | $ 86,000 |
| Teller, Colorado | 1 | $ 287,000 | $ 287,000 | $ 655,000 |
| Yuma, Colorado | 1 | $ 40,000 | $ 40,000 | $ 23,000 |
| Bonner, Idaho | 1 | $ 86,000 | $ 86,000 | $ 150,000 |
| Allamakee, Iowa | 1 | $ 125,000 | $ 125,000 | $ 59,000 |
| Black Hawk, Iowa | 1 | $ 94,000 | $ 94,000 | $ 60,000 |
| Cheyenne, Kansas | 1 | $ 95,000 | $ 95,000 | $ 112,000 |
| Johnson, Kansas | 1 | $ 317,000 | $ 317,000 | $ 564,000 |
| Thomas, Kansas | 1 | $ 175,000 | $ 175,000 | $ 169,000 |
| Cherry, Nebraska | 1 | $ 92,000 | $ 92,000 | $ 41,000 |
| Custer, Nebraska | 1 | $ 36,000 | $ 36,000 | $ 25,000 |
| Dawson, Nebraska | 1 | $ 52,000 | $ 52,000 | $ 52,000 |
| Dundy, Nebraska | 1 | $ 50,000 | $ 50,000 | $ 27,000 |
| Furnas, Nebraska | 1 | $ 116,000 | $ 116,000 | $ 35,000 |
| Grant, Nebraska | 1 | $ 16,000 | $ 16,000 | $ 38,000 |
| Hitchcock, Nebraska | 1 | $ 64,000 | $ 64,000 | $ 46,000 |
| Logan, Nebraska | 1 | $ 112,000 | $ 112,000 | $ 58,000 |
| Morrill, Nebraska | 1 | $ 43,000 | $ 43,000 | $ 43,000 |
| Otoe, Nebraska | 1 | $ 140,000 | $ 140,000 | $ 65,000 |
| Sarpy, Nebraska | 1 | $ 260,000 | $ 260,000 | $ 134,000 |
| Scotts Bluff, Nebraska | 1 | $ 44,000 | $ 44,000 | $ 20,000 |
| York, Nebraska | 1 | $ 101,000 | $ 101,000 | $ 86,000 |
| Custer, South Dakota | 1 | $ 212,000 | $ 212,000 | $ 54,000 |
| Dallas, Texas | 1 | $ 263,000 | $ 263,000 | $ 92,000 |
Mortgage Loan Application Detail Totals for Adams Bank & Trust in 2013
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 | 248 | $27,376,000 | $110,000 | $777,000 | $93,000 | $987,000 |
| Refinancing | 188 | $19,920,000 | $105,000 | $925,000 | $85,000 | $1,480,000 |
| Home Improvement | 45 | $2,017,000 | $44,000 | $287,000 | $92,000 | $655,000 |
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 | 418 | $39,869,000 | $95,000 | $573,000 | $100,000 | $1,480,000 |
| Not applicable | 49 | $8,348,000 | $170,000 | $925,000 | $0 | $0 |
| Hispanic | 13 | $1,071,000 | $82,000 | $234,000 | $90,000 | $184,000 |
| Not Provided | 1 | $25,000 | $25,000 | $25,000 | $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 |
| Black or African American | 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) | 445 | $46,229,000 | $103,000 | $925,000 | $93,000 | $1,480,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 35 | $2,874,000 | $82,000 | $189,000 | $40,000 | $69,000 |
| VA-guaranteed (Veterans Administration) | 1 | $210,000 | $210,000 | $210,000 | $102,000 | $102,000 |
| 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 | 447 | $45,916,000 | $102,000 | $925,000 | $91,000 | $1,480,000 |
| Application Denied By Financial Institution | 24 | $2,046,000 | $85,000 | $210,000 | $57,000 | $102,000 |
| Application Withdrawn By Applicant | 10 | $1,351,000 | $135,000 | $350,000 | $103,000 | $500,000 |
| 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 | $284,000 | $56,000 | $93,000 | $46,000 | $81,000 |
| Unverifiable Information | 1 | $116,000 | $116,000 | $116,000 | $35,000 | $35,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Adams Bank & Trust's 2013 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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