Adams Bank & Trust Mortgage Lending & HMDA Data, 2022
In 2022, Adams Bank & Trust of Ogallala, NE reported 480 mortgage applications totaling $116.1 million, down 49% from 2021. The average application was for $241,791, and applicants reported an average income of $108,339. 77% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Fort Collins, CO (30), Prescott Valley-Prescott, AZ (29) and Greeley, CO (20) (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 | 480 |
| Total Mortgage Loan Application Amount | $116,060,000 |
| Average Mortgage Loan Application Amount | $241,791 |
| Highest Mortgage Loan Application Amount | $4,705,000 |
| Average Applicant Income | $108,339 |
| Highest Applicant Income | $1,307,000 |
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Act (HMDA) records Adams Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 118 | $ 13,660,000 | $ 115,762 | $ 73,000 |
| Keith, Nebraska | 94 | $ 15,570,000 | $ 165,638 | $ 106,000 |
| Larimer, Colorado | 30 | $ 12,690,000 | $ 423,000 | $ 158,000 |
| Yavapai, Arizona | 29 | $ 16,885,000 | $ 582,241 | $ 108,000 |
| Thomas, Kansas | 22 | $ 3,260,000 | $ 148,181 | $ 88,000 |
| Weld, Colorado | 20 | $ 5,970,000 | $ 298,500 | $ 155,000 |
| Chase, Nebraska | 16 | $ 2,460,000 | $ 153,750 | $ 111,000 |
| Perkins, Nebraska | 14 | $ 1,270,000 | $ 90,714 | $ 56,000 |
| El Paso, Colorado | 10 | $ 3,650,000 | $ 365,000 | $ 293,000 |
| Garden, Nebraska | 10 | $ 1,110,000 | $ 111,000 | $ 99,000 |
| Maricopa, Arizona | 7 | $ 3,375,000 | $ 482,142 | $ 188,000 |
| Deuel, Nebraska | 7 | $ 775,000 | $ 110,714 | $ 42,000 |
| Denver, Colorado | 6 | $ 3,610,000 | $ 601,666 | $ 144,000 |
| Dawson, Nebraska | 6 | $ 990,000 | $ 165,000 | $ 101,000 |
| Boulder, Colorado | 4 | $ 2,270,000 | $ 567,500 | $ 89,000 |
| Fremont, Colorado | 4 | $ 3,010,000 | $ 752,500 | $ 78,000 |
| Summit, Colorado | 4 | $ 2,060,000 | $ 515,000 | $ 216,000 |
| Douglas, Colorado | 3 | $ 1,905,000 | $ 635,000 | $ 182,000 |
| Cheyenne, Nebraska | 3 | $ 185,000 | $ 61,666 | $ 78,000 |
| Hayes, Nebraska | 3 | $ 275,000 | $ 91,666 | $ 50,000 |
| Lancaster, Nebraska | 3 | $ 575,000 | $ 191,666 | $ 130,000 |
| Red Willow, Nebraska | 3 | $ 515,000 | $ 171,666 | $ 108,000 |
| Laramie, Wyoming | 3 | $ 5,365,000 | $ 1,788,333 | $ 125,000 |
| Los Angeles, California | 2 | $ 850,000 | $ 425,000 | $ 34,000 |
| Elbert, Colorado | 2 | $ 430,000 | $ 215,000 | $ 140,000 |
| Grand, Colorado | 2 | $ 870,000 | $ 435,000 | $ 287,000 |
| Jefferson, Colorado | 2 | $ 760,000 | $ 380,000 | $ 64,000 |
| Logan, Colorado | 2 | $ 270,000 | $ 135,000 | $ 208,000 |
| Montrose, Colorado | 2 | $ 720,000 | $ 360,000 | $ 79,000 |
| Pueblo, Colorado | 2 | $ 290,000 | $ 145,000 | $ 0 |
| Logan, Kansas | 2 | $ 450,000 | $ 225,000 | $ 53,000 |
| Sherman, Kansas | 2 | $ 380,000 | $ 190,000 | $ 62,000 |
| Custer, Nebraska | 2 | $ 140,000 | $ 70,000 | $ 72,000 |
| Douglas, Nebraska | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Platte, Nebraska | 2 | $ 710,000 | $ 355,000 | $ 92,000 |
| Matanuska-Susitna, Alaska | 1 | $ 135,000 | $ 135,000 | $ 169,000 |
| Riverside, California | 1 | $ 545,000 | $ 545,000 | $ 54,000 |
| Adams, Colorado | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Arapahoe, Colorado | 1 | $ 325,000 | $ 325,000 | $ 0 |
| La Plata, Colorado | 1 | $ 575,000 | $ 575,000 | $ 201,000 |
| Morgan, Colorado | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Park, Colorado | 1 | $ 515,000 | $ 515,000 | $ 177,000 |
| Yuma, Colorado | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Hillsborough, Florida | 1 | $ 115,000 | $ 115,000 | $ 112,000 |
| Pottawattamie, Iowa | 1 | $ 115,000 | $ 115,000 | $ 67,000 |
| Decatur, Kansas | 1 | $ 375,000 | $ 375,000 | $ 171,000 |
| Finney, Kansas | 1 | $ 155,000 | $ 155,000 | $ 37,000 |
| Miami, Kansas | 1 | $ 455,000 | $ 455,000 | $ 240,000 |
| Pratt, Kansas | 1 | $ 95,000 | $ 95,000 | $ 46,000 |
| Rawlins, Kansas | 1 | $ 55,000 | $ 55,000 | $ 77,000 |
| Sheridan, Kansas | 1 | $ 95,000 | $ 95,000 | $ 64,000 |
| Leelanau, Michigan | 1 | $ 505,000 | $ 505,000 | $ 663,000 |
| Hinds, Mississippi | 1 | $ 175,000 | $ 175,000 | $ 55,000 |
| Christian, Missouri | 1 | $ 215,000 | $ 215,000 | $ 76,000 |
| Platte, Missouri | 1 | $ 345,000 | $ 345,000 | $ 97,000 |
| Adams, Nebraska | 1 | $ 165,000 | $ 165,000 | $ 147,000 |
| Arthur, Nebraska | 1 | $ 45,000 | $ 45,000 | $ 87,000 |
| Box Butte, Nebraska | 1 | $ 55,000 | $ 55,000 | $ 85,000 |
| Buffalo, Nebraska | 1 | $ 15,000 | $ 15,000 | $ 26,000 |
| Gosper, Nebraska | 1 | $ 125,000 | $ 125,000 | $ 170,000 |
| Hitchcock, Nebraska | 1 | $ 65,000 | $ 65,000 | $ 58,000 |
| Howard, Nebraska | 1 | $ 305,000 | $ 305,000 | $ 77,000 |
| Kimball, Nebraska | 1 | $ 75,000 | $ 75,000 | $ 38,000 |
| Logan, Nebraska | 1 | $ 45,000 | $ 45,000 | $ 63,000 |
| Polk, Nebraska | 1 | $ 135,000 | $ 135,000 | $ 63,000 |
| Sarpy, Nebraska | 1 | $ 535,000 | $ 535,000 | $ 376,000 |
| Bernalillo, New Mexico | 1 | $ 545,000 | $ 545,000 | $ 607,000 |
| San Juan, New Mexico | 1 | $ 205,000 | $ 205,000 | $ 130,000 |
| Sevier, Utah | 1 | $ 75,000 | $ 75,000 | $ 55,000 |
| Washington, Utah | 1 | $ 305,000 | $ 305,000 | $ 74,000 |
| Albany, Wyoming | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Sheridan, Wyoming | 1 | $ 275,000 | $ 275,000 | $ 0 |
Mortgage Loan Application Detail Totals for Adams Bank & Trust in 2022
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 | 303 | $84,335,000 | $278,000 | $4,705,000 | $102,000 | $1,003,000 |
| Cash-out Refinancing | 65 | $12,755,000 | $196,000 | $745,000 | $114,000 | $1,307,000 |
| Refinancing | 61 | $12,955,000 | $212,000 | $1,255,000 | $111,000 | $503,000 |
| Home Improvement | 26 | $2,030,000 | $78,000 | $745,000 | $116,000 | $362,000 |
| Other Purpose | 25 | $3,985,000 | $159,000 | $645,000 | $156,000 | $823,000 |
| 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 | 373 | $80,605,000 | $216,000 | $1,525,000 | $104,000 | $1,307,000 |
| Not applicable | 35 | $16,435,000 | $469,000 | $4,705,000 | $0 | $0 |
| Not Provided | 33 | $11,995,000 | $363,000 | $1,725,000 | $153,000 | $658,000 |
| Hispanic | 30 | $5,240,000 | $174,000 | $555,000 | $95,000 | $533,000 |
| Asian | 7 | $1,635,000 | $233,000 | $445,000 | $199,000 | $445,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $55,000 | $55,000 | $55,000 | $40,000 | $40,000 |
| American Indian or Alaskan Native | 1 | $95,000 | $95,000 | $95,000 | $26,000 | $26,000 |
| 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) | 435 | $109,325,000 | $251,000 | $4,705,000 | $114,000 | $1,307,000 |
| FHA-insured (Federal Housing Administration) | 23 | $3,385,000 | $147,000 | $435,000 | $60,000 | $125,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $2,025,000 | $119,000 | $245,000 | $58,000 | $102,000 |
| VA-guaranteed (Veterans Administration) | 5 | $1,325,000 | $265,000 | $375,000 | $101,000 | $130,000 |
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 | 369 | $92,595,000 | $250,000 | $4,705,000 | $110,000 | $1,003,000 |
| Application Denied By Financial Institution | 51 | $10,005,000 | $196,000 | $705,000 | $59,000 | $234,000 |
| Application Withdrawn By Applicant | 50 | $9,690,000 | $193,000 | $655,000 | $132,000 | $1,307,000 |
| Application Approved But Not Accepted | 7 | $3,025,000 | $432,000 | $1,525,000 | $248,000 | $658,000 |
| File Closed For Incompleteness | 3 | $745,000 | $248,000 | $515,000 | $85,000 | $138,000 |
| 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 | 429 | $106,055,000 | $247,000 | $4,705,000 | $115,000 | $1,307,000 |
| Debt-To-Income Ratio | 20 | $4,770,000 | $238,000 | $705,000 | $51,000 | $234,000 |
| Credit History | 17 | $3,065,000 | $180,000 | $525,000 | $62,000 | $160,000 |
| Other | 4 | $780,000 | $195,000 | $375,000 | $95,000 | $112,000 |
| Collateral | 3 | $785,000 | $261,000 | $675,000 | $70,000 | $91,000 |
| Employment History | 3 | $235,000 | $78,000 | $115,000 | $37,000 | $45,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $365,000 | $121,000 | $185,000 | $59,000 | $71,000 |
| Unverifiable Information | 1 | $5,000 | $5,000 | $5,000 | $24,000 | $24,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Adams Bank & Trust's 2022 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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