Adams Bank & Trust Mortgage Lending & HMDA Data, 2018
In 2018, Adams Bank & Trust of Ogallala, NE reported 534 mortgage applications totaling $96.9 million, up 4% from 2017. The average application was for $181,367, and applicants reported an average income of $103,831. 81% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Fort Collins, CO (52), Colorado Springs, CO (33) and Prescott, AZ (26) (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 | 534 |
| Total Mortgage Loan Application Amount | $96,850,000 |
| Average Mortgage Loan Application Amount | $181,367 |
| Highest Mortgage Loan Application Amount | $4,575,000 |
| Average Applicant Income | $103,831 |
| Highest Applicant Income | $1,041,000 |
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Act (HMDA) records Adams Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 117 | $ 14,265,000 | $ 121,923 | $ 75,000 |
| Keith, Nebraska | 100 | $ 10,980,000 | $ 109,800 | $ 123,000 |
| Larimer, Colorado | 52 | $ 15,420,000 | $ 296,538 | $ 136,000 |
| El Paso, Colorado | 33 | $ 14,845,000 | $ 449,848 | $ 144,000 |
| Yavapai, Arizona | 26 | $ 9,560,000 | $ 367,692 | $ 102,000 |
| Weld, Colorado | 22 | $ 6,930,000 | $ 315,000 | $ 132,000 |
| Chase, Nebraska | 22 | $ 1,880,000 | $ 85,454 | $ 57,000 |
| Thomas, Kansas | 20 | $ 2,140,000 | $ 107,000 | $ 69,000 |
| Perkins, Nebraska | 20 | $ 2,100,000 | $ 105,000 | $ 75,000 |
| Dawson, Nebraska | 16 | $ 1,230,000 | $ 76,875 | $ 111,000 |
| Red Willow, Nebraska | 14 | $ 1,230,000 | $ 87,857 | $ 51,000 |
| Logan, Colorado | 12 | $ 1,500,000 | $ 125,000 | $ 81,000 |
| Deuel, Nebraska | 9 | $ 655,000 | $ 72,777 | $ 69,000 |
| Boulder, Colorado | 8 | $ 3,470,000 | $ 433,750 | $ 244,000 |
| Maricopa, Arizona | 7 | $ 1,255,000 | $ 179,285 | $ 103,000 |
| Cheyenne, Nebraska | 5 | $ 795,000 | $ 159,000 | $ 101,000 |
| Douglas, Nebraska | 4 | $ 790,000 | $ 197,500 | $ 119,000 |
| Jefferson, Colorado | 3 | $ 895,000 | $ 298,333 | $ 142,000 |
| Logan, Kansas | 3 | $ 225,000 | $ 75,000 | $ 72,000 |
| Garden, Nebraska | 3 | $ 205,000 | $ 68,333 | $ 55,000 |
| Baldwin, Alabama | 2 | $ 590,000 | $ 295,000 | $ 181,000 |
| Arapahoe, Colorado | 2 | $ 390,000 | $ 195,000 | $ 381,000 |
| Elbert, Colorado | 2 | $ 230,000 | $ 115,000 | $ 137,000 |
| Mesa, Colorado | 2 | $ 440,000 | $ 220,000 | $ 80,000 |
| Summit, Colorado | 2 | $ 550,000 | $ 275,000 | $ 302,000 |
| Dundy, Nebraska | 2 | $ 270,000 | $ 135,000 | $ 71,000 |
| Hooker, Nebraska | 2 | $ 160,000 | $ 80,000 | $ 62,000 |
| Otoe, Nebraska | 2 | $ 250,000 | $ 125,000 | $ 65,000 |
| Pima, Arizona | 1 | $ 205,000 | $ 205,000 | $ 47,000 |
| Denver, Colorado | 1 | $ 185,000 | $ 185,000 | $ 74,000 |
| Douglas, Colorado | 1 | $ 305,000 | $ 305,000 | $ 60,000 |
| Fremont, Colorado | 1 | $ 235,000 | $ 235,000 | $ 116,000 |
| Pueblo, Colorado | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Sedgwick, Colorado | 1 | $ 115,000 | $ 115,000 | $ 60,000 |
| Bonneville, Idaho | 1 | $ 275,000 | $ 275,000 | $ 164,000 |
| Finney, Kansas | 1 | $ 75,000 | $ 75,000 | $ 164,000 |
| Ford, Kansas | 1 | $ 185,000 | $ 185,000 | $ 189,000 |
| Rawlins, Kansas | 1 | $ 45,000 | $ 45,000 | $ 63,000 |
| Buffalo, Nebraska | 1 | $ 355,000 | $ 355,000 | $ 154,000 |
| Dawes, Nebraska | 1 | $ 305,000 | $ 305,000 | $ 56,000 |
| Frontier, Nebraska | 1 | $ 25,000 | $ 25,000 | $ 38,000 |
| Gosper, Nebraska | 1 | $ 45,000 | $ 45,000 | $ 95,000 |
| Grant, Nebraska | 1 | $ 25,000 | $ 25,000 | $ 46,000 |
| Hall, Nebraska | 1 | $ 195,000 | $ 195,000 | $ 66,000 |
| Hamilton, Nebraska | 1 | $ 95,000 | $ 95,000 | $ 64,000 |
| Hitchcock, Nebraska | 1 | $ 5,000 | $ 5,000 | $ 182,000 |
| Lancaster, Nebraska | 1 | $ 195,000 | $ 195,000 | $ 121,000 |
| Logan, Nebraska | 1 | $ 65,000 | $ 65,000 | $ 78,000 |
| Scotts Bluff, Nebraska | 1 | $ 165,000 | $ 165,000 | $ 108,000 |
Mortgage Loan Application Detail Totals for Adams Bank & Trust in 2018
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 | 342 | $62,520,000 | $182,000 | $4,575,000 | $104,000 | $1,041,000 |
| Refinancing | 117 | $21,485,000 | $183,000 | $815,000 | $108,000 | $639,000 |
| Cash-out Refinancing | 48 | $11,800,000 | $245,000 | $1,705,000 | $105,000 | $479,000 |
| Home Improvement | 16 | $370,000 | $23,000 | $125,000 | $73,000 | $224,000 |
| Other Purpose | 11 | $675,000 | $61,000 | $205,000 | $94,000 | $131,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 419 | $73,965,000 | $176,000 | $1,705,000 | $104,000 | $1,041,000 |
| Not Provided | 53 | $9,035,000 | $170,000 | $705,000 | $107,000 | $623,000 |
| Not applicable | 43 | $11,095,000 | $258,000 | $4,575,000 | $0 | $0 |
| Hispanic | 12 | $1,420,000 | $118,000 | $275,000 | $79,000 | $164,000 |
| Asian | 4 | $950,000 | $237,000 | $375,000 | $150,000 | $398,000 |
| American Indian or Alaskan Native | 2 | $180,000 | $90,000 | $145,000 | $60,000 | $83,000 |
| Black or African American | 1 | $205,000 | $205,000 | $205,000 | $64,000 | $64,000 |
| Native Hawaiian 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) | 460 | $85,740,000 | $186,000 | $4,575,000 | $111,000 | $1,041,000 |
| FHA-insured (Federal Housing Administration) | 39 | $5,745,000 | $147,000 | $365,000 | $68,000 | $189,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $1,795,000 | $94,000 | $235,000 | $45,000 | $67,000 |
| VA-guaranteed (Veterans Administration) | 16 | $3,570,000 | $223,000 | $635,000 | $85,000 | $164,000 |
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 | 435 | $75,095,000 | $172,000 | $4,575,000 | $104,000 | $1,041,000 |
| Application Denied By Financial Institution | 49 | $7,955,000 | $162,000 | $765,000 | $71,000 | $219,000 |
| Application Withdrawn By Applicant | 35 | $10,085,000 | $288,000 | $1,705,000 | $96,000 | $479,000 |
| Application Approved But Not Accepted | 9 | $2,605,000 | $289,000 | $495,000 | $203,000 | $440,000 |
| File Closed For Incompleteness | 6 | $1,110,000 | $185,000 | $455,000 | $253,000 | $1,037,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 485 | $88,895,000 | $183,000 | $4,575,000 | $107,000 | $1,041,000 |
| Debt-To-Income Ratio | 18 | $3,920,000 | $217,000 | $765,000 | $75,000 | $194,000 |
| Credit History | 15 | $1,035,000 | $69,000 | $165,000 | $43,000 | $121,000 |
| Collateral | 8 | $1,300,000 | $162,000 | $365,000 | $82,000 | $139,000 |
| Other | 4 | $860,000 | $215,000 | $295,000 | $117,000 | $193,000 |
| Unverifiable Information | 2 | $440,000 | $220,000 | $285,000 | $62,000 | $75,000 |
| Employment History | 1 | $235,000 | $235,000 | $235,000 | $26,000 | $26,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $165,000 | $165,000 | $165,000 | $219,000 | $219,000 |
| Mortgage Insurance Denied | 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 2018 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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