Adams Bank & Trust
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Adams Bank & Trust 2023 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Adams Bank & Trust Po Box 720 Ogallala, NE 69153 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 438 |
| Total Mortgage Loan Application Amount | $107,550,000 |
| Average Mortgage Loan Application Amount | $170,000 |
| Highest Mortgage Loan Application Amount | $1,875,000 |
| Average Applicant Income | $124,000 |
| Highest Applicant Income | $571,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 with Adams Bank & Trust. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Adams Bank & Trust's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2023 breaks down Adams Bank & Trust's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Adams Bank & Trust serves its applicants.
Each category highlights the total number of mortgage applications processed by Adams Bank & Trust, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Adams Bank & Trust's mortgage activity for 2023.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Keith County Nebraska | 69 | $ 10,295,000 | $ 149,000 | $ 96,000 |
| Lincoln County Nebraska | 69 | $ 7,645,000 | $ 110,000 | $ 97,000 |
| Weld County Colorado | 42 | $ 13,260,000 | $ 315,000 | $ 137,000 |
| Yavapai County Arizona | 35 | $ 20,805,000 | $ 594,000 | $ 135,000 |
| Larimer County Colorado | 33 | $ 13,635,000 | $ 413,000 | $ 139,000 |
| Perkins County Nebraska | 33 | $ 4,275,000 | $ 129,000 | $ 81,000 |
| El Paso County Colorado | 20 | $ 5,640,000 | $ 282,000 | $ 170,000 |
| Thomas County Kansas | 10 | $ 1,040,000 | $ 104,000 | $ 86,000 |
| Chase County Nebraska | 10 | $ 1,220,000 | $ 122,000 | $ 103,000 |
| Deuel County Nebraska | 9 | $ 855,000 | $ 95,000 | $ 44,000 |
| Maricopa County Arizona | 5 | $ 2,275,000 | $ 455,000 | $ 124,000 |
| Mesa County Colorado | 5 | $ 1,215,000 | $ 243,000 | $ 131,000 |
| Cheyenne County Nebraska | 5 | $ 855,000 | $ 171,000 | $ 166,000 |
| Arapahoe County Colorado | 4 | $ 660,000 | $ 165,000 | $ 86,000 |
| Boulder County Colorado | 4 | $ 1,110,000 | $ 277,000 | $ 252,000 |
| Denver County Colorado | 4 | $ 940,000 | $ 235,000 | $ 299,000 |
| Morgan County Colorado | 4 | $ 480,000 | $ 120,000 | $ 17,000 |
| Lancaster County Nebraska | 4 | $ 810,000 | $ 202,000 | $ 174,000 |
| Adams County Colorado | 3 | $ 945,000 | $ 315,000 | $ 236,000 |
| Jefferson County Colorado | 3 | $ 835,000 | $ 278,000 | $ 169,000 |
| Mahaska County Iowa | 3 | $ 575,000 | $ 191,000 | $ 109,000 |
| Douglas County Colorado | 2 | $ 1,950,000 | $ 975,000 | $ 100,000 |
| Elbert County Colorado | 2 | $ 690,000 | $ 345,000 | $ 198,000 |
| Summit County Colorado | 2 | $ 1,860,000 | $ 930,000 | $ 314,000 |
| Charlotte County Florida | 2 | $ 650,000 | $ 325,000 | $ 198,000 |
| Rawlins County Kansas | 2 | $ 180,000 | $ 90,000 | $ 80,000 |
| Sherman County Kansas | 2 | $ 80,000 | $ 40,000 | $ 142,000 |
| Brown County Nebraska | 2 | $ 300,000 | $ 150,000 | $ 38,000 |
| Dodge County Nebraska | 2 | $ 160,000 | $ 80,000 | $ 66,000 |
| Douglas County Nebraska | 2 | $ 230,000 | $ 115,000 | $ 136,000 |
| Garden County Nebraska | 2 | $ 380,000 | $ 190,000 | $ 70,000 |
| Salt Lake County Utah | 2 | $ 930,000 | $ 465,000 | $ 140,000 |
| Albany County Wyoming | 2 | $ 450,000 | $ 225,000 | $ 228,000 |
| Tuscaloosa County Alabama | 1 | $ 735,000 | $ 735,000 | $ 190,000 |
| Washington County Arkansas | 1 | $ 605,000 | $ 605,000 | $ 32,000 |
| Los Angeles County California | 1 | $ 355,000 | $ 355,000 | $ 34,000 |
| Custer County Colorado | 1 | $ 165,000 | $ 165,000 | $ 84,000 |
| Grand County Colorado | 1 | $ 175,000 | $ 175,000 | $ 421,000 |
| Las Animas County Colorado | 1 | $ 125,000 | $ 125,000 | $ 78,000 |
| Logan County Colorado | 1 | $ 175,000 | $ 175,000 | $ 45,000 |
| Yuma County Colorado | 1 | $ 125,000 | $ 125,000 | $ 0 |
| DuPage County Illinois | 1 | $ 285,000 | $ 285,000 | $ 111,000 |
| Hamilton County Indiana | 1 | $ 725,000 | $ 725,000 | $ 272,000 |
| Webster County Iowa | 1 | $ 165,000 | $ 165,000 | $ 31,000 |
| Cheyenne County Kansas | 1 | $ 95,000 | $ 95,000 | $ 53,000 |
| Gove County Kansas | 1 | $ 45,000 | $ 45,000 | $ 34,000 |
| Mitchell County Kansas | 1 | $ 225,000 | $ 225,000 | $ 94,000 |
| Sedgwick County Kansas | 1 | $ 135,000 | $ 135,000 | $ 420,000 |
| Trigg County Kentucky | 1 | $ 125,000 | $ 125,000 | $ 30,000 |
| Emmet County Michigan | 1 | $ 285,000 | $ 285,000 | $ 140,000 |
| Adams County Nebraska | 1 | $ 205,000 | $ 205,000 | $ 102,000 |
| Buffalo County Nebraska | 1 | $ 335,000 | $ 335,000 | $ 38,000 |
| Clay County Nebraska | 1 | $ 55,000 | $ 55,000 | $ 22,000 |
| Custer County Nebraska | 1 | $ 55,000 | $ 55,000 | $ 61,000 |
| Dawson County Nebraska | 1 | $ 75,000 | $ 75,000 | $ 55,000 |
| Dundy County Nebraska | 1 | $ 75,000 | $ 75,000 | $ 40,000 |
| Hamilton County Nebraska | 1 | $ 235,000 | $ 235,000 | $ 103,000 |
| Holt County Nebraska | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Logan County Nebraska | 1 | $ 115,000 | $ 115,000 | $ 48,000 |
| Red Willow County Nebraska | 1 | $ 45,000 | $ 45,000 | $ 46,000 |
| Scotts Bluff County Nebraska | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Clark County Nevada | 1 | $ 335,000 | $ 335,000 | $ 77,000 |
| Dona Ana County New Mexico | 1 | $ 465,000 | $ 465,000 | $ 42,000 |
| Warren County New York | 1 | $ 155,000 | $ 155,000 | $ 126,000 |
| Ashe County North Carolina | 1 | $ 245,000 | $ 245,000 | $ 83,000 |
| Dare County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 240,000 |
| Beaufort County South Carolina | 1 | $ 535,000 | $ 535,000 | $ 88,000 |
| Horry County South Carolina | 1 | $ 185,000 | $ 185,000 | $ 138,000 |
| Pennington County South Dakota | 1 | $ 665,000 | $ 665,000 | $ 117,000 |
| Galveston County Texas | 1 | $ 235,000 | $ 235,000 | $ 257,000 |
| Taylor County Texas | 1 | $ 85,000 | $ 85,000 | $ 56,000 |
| King County Washington | 1 | $ 985,000 | $ 985,000 | $ 364,000 |
| Laramie County Wyoming | 1 | $ 365,000 | $ 365,000 | $ 150,000 |
Mortgage Loan Application Detail Totals for Adams Bank & Trust in 2023
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 | 285 | $86,925,000 | $305,000 | $1,875,000 | $114,000 | $571,000 |
| Home Improvement | 50 | $2,830,000 | $56,000 | $305,000 | $98,000 | $303,000 |
| Cash-out Refinancing | 39 | $8,785,000 | $225,000 | $1,145,000 | $147,000 | $434,000 |
| Refinancing | 37 | $6,895,000 | $186,000 | $735,000 | $145,000 | $361,000 |
| Other Purpose | 27 | $2,115,000 | $78,000 | $315,000 | $116,000 | $421,000 |
| 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 | 344 | $81,190,000 | $236,000 | $1,875,000 | $114,000 | $511,000 |
| Not Provided | 43 | $16,945,000 | $394,000 | $1,595,000 | $142,000 | $434,000 |
| Hispanic | 24 | $4,840,000 | $201,000 | $655,000 | $108,000 | $571,000 |
| Not applicable | 20 | $3,190,000 | $159,000 | $1,265,000 | $0 | $0 |
| Black or African American | 3 | $565,000 | $188,000 | $275,000 | $202,000 | $257,000 |
| Asian | 2 | $440,000 | $220,000 | $385,000 | $105,000 | $138,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $25,000 | $25,000 | $25,000 | $60,000 | $60,000 |
| American Indian or Alaskan Native | 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) | 409 | $102,635,000 | $250,000 | $1,875,000 | $121,000 | $571,000 |
| FHA-insured (Federal Housing Administration) | 15 | $2,575,000 | $171,000 | $335,000 | $74,000 | $133,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,215,000 | $135,000 | $225,000 | $59,000 | $81,000 |
| VA-guaranteed (Veterans Administration) | 5 | $1,125,000 | $225,000 | $455,000 | $94,000 | $260,000 |
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 | 308 | $72,710,000 | $236,000 | $1,595,000 | $119,000 | $571,000 |
| Application Withdrawn By Applicant | 81 | $27,315,000 | $337,000 | $1,875,000 | $131,000 | $511,000 |
| Application Denied By Financial Institution | 40 | $6,600,000 | $165,000 | $1,145,000 | $91,000 | $434,000 |
| File Closed For Incompleteness | 7 | $455,000 | $65,000 | $155,000 | $56,000 | $78,000 |
| Application Approved But Not Accepted | 2 | $470,000 | $235,000 | $255,000 | $229,000 | $324,000 |
| 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 | 398 | $100,950,000 | $253,000 | $1,875,000 | $121,000 | $571,000 |
| Debt-To-Income Ratio | 20 | $3,620,000 | $181,000 | $1,145,000 | $83,000 | $434,000 |
| Credit History | 11 | $1,675,000 | $152,000 | $545,000 | $67,000 | $157,000 |
| Other | 4 | $950,000 | $237,000 | $605,000 | $222,000 | $420,000 |
| Collateral | 2 | $40,000 | $20,000 | $25,000 | $71,000 | $87,000 |
| Unverifiable Information | 1 | $125,000 | $125,000 | $125,000 | $108,000 | $108,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $95,000 | $95,000 | $95,000 | $46,000 | $46,000 |
| Mortgage Insurance Denied | 1 | $95,000 | $95,000 | $95,000 | $46,000 | $46,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Adams Bank & Trust's 2023 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.