Adams Bank & Trust Mortgage Lending & HMDA Data, 2016
In 2016, Adams Bank & Trust of Ogallala, NE reported 568 mortgage applications totaling $97.9 million, up 9% from 2015. The average application was for $172,443, and applicants reported an average income of $95,232. 86% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Fort Collins, CO (82), Colorado Springs, CO (22) and Greeley, CO (21) (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 | 568 |
| Total Mortgage Loan Application Amount | $97,948,000 |
| Average Mortgage Loan Application Amount | $172,443 |
| Highest Mortgage Loan Application Amount | $2,700,000 |
| Average Applicant Income | $95,232 |
| Highest Applicant Income | $2,576,000 |
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Act (HMDA) records Adams Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | $ 18,697,000 | $ 116,856 | $ 69,000 |
| Keith, Nebraska | 100 | $ 8,927,000 | $ 89,270 | $ 76,000 |
| Larimer, Colorado | 82 | $ 23,074,000 | $ 281,390 | $ 154,000 |
| Weld, Colorado | 21 | $ 5,330,000 | $ 253,809 | $ 110,000 |
| Perkins, Nebraska | 20 | $ 1,936,000 | $ 96,800 | $ 126,000 |
| El Paso, Colorado | 19 | $ 5,802,000 | $ 305,368 | $ 27,000 |
| Chase, Nebraska | 18 | $ 2,949,000 | $ 163,833 | $ 152,000 |
| Thomas, Kansas | 14 | $ 2,315,000 | $ 165,357 | $ 175,000 |
| Yavapai, Arizona | 12 | $ 4,442,000 | $ 370,166 | $ 70,000 |
| Garden, Nebraska | 11 | $ 622,000 | $ 56,545 | $ 47,000 |
| Logan, Kansas | 10 | $ 615,000 | $ 61,500 | $ 54,000 |
| Dawson, Nebraska | 8 | $ 316,000 | $ 39,500 | $ 16,000 |
| Boulder, Colorado | 6 | $ 2,297,000 | $ 382,833 | $ 111,000 |
| Red Willow, Nebraska | 6 | $ 442,000 | $ 73,666 | $ 51,000 |
| Deuel, Nebraska | 5 | $ 453,000 | $ 90,600 | $ 71,000 |
| Lancaster, Nebraska | 5 | $ 841,000 | $ 168,200 | $ 48,000 |
| Maricopa, Arizona | 4 | $ 351,000 | $ 87,750 | $ 91,000 |
| Adams, Colorado | 4 | $ 1,170,000 | $ 292,500 | $ 118,000 |
| Douglas, Colorado | 4 | $ 2,049,000 | $ 512,250 | $ 313,000 |
| Logan, Colorado | 4 | $ 663,000 | $ 165,750 | $ 90,000 |
| Pueblo, Colorado | 4 | $ 898,000 | $ 224,500 | $ 25,000 |
| Custer, Nebraska | 4 | $ 461,000 | $ 115,250 | $ 426,000 |
| Arapahoe, Colorado | 3 | $ 803,000 | $ 267,666 | $ 82,000 |
| Denver, Colorado | 3 | $ 4,321,000 | $ 1,440,333 | $ 32,000 |
| Teller, Colorado | 3 | $ 466,000 | $ 155,333 | $ 33,000 |
| Fremont, Colorado | 2 | $ 1,085,000 | $ 542,500 | $ 0 |
| Jefferson, Colorado | 2 | $ 462,000 | $ 231,000 | $ 77,000 |
| Sedgwick, Colorado | 2 | $ 155,000 | $ 77,500 | $ 95,000 |
| Summit, Colorado | 2 | $ 920,000 | $ 460,000 | $ 267,000 |
| Arthur, Nebraska | 2 | $ 203,000 | $ 101,500 | $ 141,000 |
| Buffalo, Nebraska | 2 | $ 206,000 | $ 103,000 | $ 74,000 |
| Cheyenne, Nebraska | 2 | $ 196,000 | $ 98,000 | $ 55,000 |
| Douglas, Nebraska | 2 | $ 609,000 | $ 304,500 | $ 325,000 |
| Hitchcock, Nebraska | 2 | $ 164,000 | $ 82,000 | $ 40,000 |
| Scotts Bluff, Nebraska | 2 | $ 121,000 | $ 60,500 | $ 0 |
| McLennan, Texas | 2 | $ 90,000 | $ 45,000 | $ 41,000 |
| Grand, Colorado | 1 | $ 91,000 | $ 91,000 | $ 176,000 |
| Las Animas, Colorado | 1 | $ 290,000 | $ 290,000 | $ 394,000 |
| Lincoln, Colorado | 1 | $ 336,000 | $ 336,000 | $ 0 |
| Montrose, Colorado | 1 | $ 180,000 | $ 180,000 | $ 38,000 |
| Park, Colorado | 1 | $ 368,000 | $ 368,000 | $ 71,000 |
| Routt, Colorado | 1 | $ 724,000 | $ 724,000 | $ 364,000 |
| Dundy, Nebraska | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Frontier, Nebraska | 1 | $ 151,000 | $ 151,000 | $ 96,000 |
| Furnas, Nebraska | 1 | $ 332,000 | $ 332,000 | $ 130,000 |
| Grant, Nebraska | 1 | $ 324,000 | $ 324,000 | $ 526,000 |
| Hall, Nebraska | 1 | $ 42,000 | $ 42,000 | $ 18,000 |
| Hooker, Nebraska | 1 | $ 65,000 | $ 65,000 | $ 68,000 |
| Platte, Nebraska | 1 | $ 89,000 | $ 89,000 | $ 59,000 |
| Sarpy, Nebraska | 1 | $ 277,000 | $ 277,000 | $ 59,000 |
| Davidson, Tennessee | 1 | $ 64,000 | $ 64,000 | $ 55,000 |
| Bosque, Texas | 1 | $ 35,000 | $ 35,000 | $ 50,000 |
Mortgage Loan Application Detail Totals for Adams Bank & Trust in 2016
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 | 351 | $60,569,000 | $172,000 | $1,024,000 | $90,000 | $1,506,000 |
| Refinancing | 179 | $35,595,000 | $198,000 | $2,700,000 | $110,000 | $2,576,000 |
| Home Improvement | 38 | $1,784,000 | $46,000 | $180,000 | $74,000 | $194,000 |
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 | 484 | $79,841,000 | $164,000 | $1,268,000 | $108,000 | $2,576,000 |
| Not applicable | 57 | $13,586,000 | $238,000 | $2,700,000 | $0 | $0 |
| Hispanic | 13 | $2,271,000 | $174,000 | $563,000 | $53,000 | $98,000 |
| Not Provided | 10 | $1,614,000 | $161,000 | $303,000 | $91,000 | $298,000 |
| Black or African American | 2 | $302,000 | $151,000 | $211,000 | $85,000 | $106,000 |
| American Indian or Alaskan Native | 1 | $29,000 | $29,000 | $29,000 | $83,000 | $83,000 |
| Asian | 1 | $305,000 | $305,000 | $305,000 | $24,000 | $24,000 |
| Native Hawaiin or Other Pacific Islander | 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) | 483 | $85,323,000 | $176,000 | $2,700,000 | $102,000 | $2,576,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 30 | $3,216,000 | $107,000 | $266,000 | $47,000 | $81,000 |
| FHA-insured (Federal Housing Administration) | 28 | $3,428,000 | $122,000 | $284,000 | $51,000 | $111,000 |
| VA-guaranteed (Veterans Administration) | 27 | $5,981,000 | $221,000 | $563,000 | $83,000 | $191,000 |
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 | 487 | $84,826,000 | $174,000 | $2,700,000 | $97,000 | $2,576,000 |
| Application Denied By Financial Institution | 45 | $5,705,000 | $126,000 | $475,000 | $90,000 | $1,325,000 |
| Application Withdrawn By Applicant | 33 | $7,208,000 | $218,000 | $605,000 | $82,000 | $324,000 |
| Application Approved But Not Accepted | 3 | $209,000 | $69,000 | $124,000 | $46,000 | $56,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Adams Bank & Trust's 2016 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.
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