Adams Bank & Trust Mortgage Lending & HMDA Data, 2024
In 2024, Adams Bank & Trust of Ogallala, NE reported 358 mortgage applications totaling $95.8 million, down 18% from 2023. The average application was for $267,541, and applicants reported an average income of $138,449. 69% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Fort Collins, CO (38), Greeley, CO (33) and Prescott Valley-Prescott, AZ (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 | 358 |
| Total Mortgage Loan Application Amount | $95,780,000 |
| Average Mortgage Loan Application Amount | $267,541 |
| Highest Mortgage Loan Application Amount | $9,105,000 |
| Average Applicant Income | $138,449 |
| Highest Applicant Income | $5,382,000 |
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Act (HMDA) records Adams Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 79 | $ 8,635,000 | $ 109,303 | $ 93,000 |
| Keith, Nebraska | 77 | $ 13,425,000 | $ 174,350 | $ 122,000 |
| Larimer, Colorado | 38 | $ 14,930,000 | $ 392,894 | $ 336,000 |
| Weld, Colorado | 33 | $ 11,235,000 | $ 340,454 | $ 136,000 |
| Yavapai, Arizona | 21 | $ 11,105,000 | $ 528,809 | $ 98,000 |
| Chase, Nebraska | 12 | $ 1,320,000 | $ 110,000 | $ 63,000 |
| Perkins, Nebraska | 12 | $ 1,540,000 | $ 128,333 | $ 78,000 |
| El Paso, Colorado | 6 | $ 2,460,000 | $ 410,000 | $ 124,000 |
| Deuel, Nebraska | 6 | $ 640,000 | $ 106,666 | $ 125,000 |
| Cheyenne, Nebraska | 5 | $ 415,000 | $ 83,000 | $ 92,000 |
| Boulder, Colorado | 4 | $ 1,670,000 | $ 417,500 | $ 104,000 |
| Douglas, Colorado | 4 | $ 3,000,000 | $ 750,000 | $ 200,000 |
| Thomas, Kansas | 4 | $ 740,000 | $ 185,000 | $ 99,000 |
| Red Willow, Nebraska | 4 | $ 760,000 | $ 190,000 | $ 95,000 |
| Arapahoe, Colorado | 3 | $ 1,265,000 | $ 421,666 | $ 167,000 |
| Jefferson, Colorado | 3 | $ 1,805,000 | $ 601,666 | $ 151,000 |
| Maricopa, Arizona | 2 | $ 540,000 | $ 270,000 | $ 58,000 |
| Denver, Colorado | 2 | $ 9,330,000 | $ 4,665,000 | $ 121,000 |
| Grand, Colorado | 2 | $ 750,000 | $ 375,000 | $ 133,000 |
| Custer, Nebraska | 2 | $ 170,000 | $ 85,000 | $ 107,000 |
| Frontier, Nebraska | 2 | $ 100,000 | $ 50,000 | $ 84,000 |
| Furnas, Nebraska | 2 | $ 340,000 | $ 170,000 | $ 69,000 |
| Lancaster, Nebraska | 2 | $ 610,000 | $ 305,000 | $ 224,000 |
| Pima, Arizona | 1 | $ 355,000 | $ 355,000 | $ 148,000 |
| Washington, Arkansas | 1 | $ 375,000 | $ 375,000 | $ 129,000 |
| Orange, California | 1 | $ 1,005,000 | $ 1,005,000 | $ 90,000 |
| Adams, Colorado | 1 | $ 505,000 | $ 505,000 | $ 305,000 |
| Archuleta, Colorado | 1 | $ 215,000 | $ 215,000 | $ 24,000 |
| Broomfield, Colorado | 1 | $ 465,000 | $ 465,000 | $ 558,000 |
| Chaffee, Colorado | 1 | $ 505,000 | $ 505,000 | $ 242,000 |
| La Plata, Colorado | 1 | $ 555,000 | $ 555,000 | $ 214,000 |
| Lincoln, Colorado | 1 | $ 265,000 | $ 265,000 | $ 59,000 |
| Logan, Colorado | 1 | $ 455,000 | $ 455,000 | $ 23,000 |
| Mesa, Colorado | 1 | $ 625,000 | $ 625,000 | $ 199,000 |
| Sedgwick, Colorado | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Yuma, Colorado | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Gulf, Florida | 1 | $ 325,000 | $ 325,000 | $ 36,000 |
| Rawlins, Kansas | 1 | $ 85,000 | $ 85,000 | $ 144,000 |
| Sherman, Kansas | 1 | $ 115,000 | $ 115,000 | $ 32,000 |
| Wallace, Kansas | 1 | $ 55,000 | $ 55,000 | $ 39,000 |
| Washington, Kansas | 1 | $ 135,000 | $ 135,000 | $ 288,000 |
| Worcester, Massachusetts | 1 | $ 275,000 | $ 275,000 | $ 57,000 |
| Adams, Nebraska | 1 | $ 125,000 | $ 125,000 | $ 42,000 |
| Arthur, Nebraska | 1 | $ 125,000 | $ 125,000 | $ 85,000 |
| Box Butte, Nebraska | 1 | $ 65,000 | $ 65,000 | $ 289,000 |
| Brown, Nebraska | 1 | $ 95,000 | $ 95,000 | $ 52,000 |
| Buffalo, Nebraska | 1 | $ 355,000 | $ 355,000 | $ 131,000 |
| Garden, Nebraska | 1 | $ 135,000 | $ 135,000 | $ 145,000 |
| Hamilton, Nebraska | 1 | $ 135,000 | $ 135,000 | $ 65,000 |
| Kearney, Nebraska | 1 | $ 85,000 | $ 85,000 | $ 31,000 |
| McPherson, Nebraska | 1 | $ 315,000 | $ 315,000 | $ 121,000 |
| Sarpy, Nebraska | 1 | $ 305,000 | $ 305,000 | $ 180,000 |
| Scotts Bluff, Nebraska | 1 | $ 205,000 | $ 205,000 | $ 603,000 |
| Sherman, Nebraska | 1 | $ 135,000 | $ 135,000 | $ 106,000 |
| York, Nebraska | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Fentress, Tennessee | 1 | $ 355,000 | $ 355,000 | $ 52,000 |
Mortgage Loan Application Detail Totals for Adams Bank & Trust in 2024
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 | 225 | $77,275,000 | $343,000 | $9,105,000 | $153,000 | $5,382,000 |
| Refinancing | 52 | $11,720,000 | $225,000 | $1,005,000 | $131,000 | $738,000 |
| Home Improvement | 30 | $1,610,000 | $53,000 | $285,000 | $96,000 | $198,000 |
| Cash-out Refinancing | 29 | $3,575,000 | $123,000 | $345,000 | $112,000 | $288,000 |
| Other Purpose | 22 | $1,600,000 | $72,000 | $165,000 | $100,000 | $179,000 |
| 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 | 300 | $72,840,000 | $242,000 | $1,345,000 | $142,000 | $5,382,000 |
| Hispanic | 28 | $6,300,000 | $225,000 | $795,000 | $96,000 | $305,000 |
| Not Provided | 17 | $5,685,000 | $334,000 | $1,005,000 | $148,000 | $738,000 |
| Not applicable | 9 | $10,145,000 | $1,127,000 | $9,105,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $705,000 | $235,000 | $525,000 | $98,000 | $187,000 |
| Asian | 1 | $105,000 | $105,000 | $105,000 | $89,000 | $89,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 331 | $90,695,000 | $274,000 | $9,105,000 | $143,000 | $5,382,000 |
| FHA-insured (Federal Housing Administration) | 21 | $3,975,000 | $189,000 | $565,000 | $80,000 | $305,000 |
| VA-guaranteed (Veterans Administration) | 4 | $950,000 | $237,000 | $555,000 | $96,000 | $214,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $160,000 | $80,000 | $105,000 | $38,000 | $39,000 |
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 | 246 | $67,330,000 | $273,000 | $9,105,000 | $126,000 | $1,769,000 |
| Application Denied By Financial Institution | 56 | $9,350,000 | $166,000 | $765,000 | $206,000 | $5,382,000 |
| Application Withdrawn By Applicant | 52 | $18,690,000 | $359,000 | $1,345,000 | $125,000 | $738,000 |
| File Closed For Incompleteness | 2 | $160,000 | $80,000 | $105,000 | $50,000 | $61,000 |
| Application Approved But Not Accepted | 2 | $250,000 | $125,000 | $145,000 | $68,000 | $70,000 |
| 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 | 302 | $86,430,000 | $286,000 | $9,105,000 | $125,000 | $1,769,000 |
| Debt-To-Income Ratio | 22 | $3,930,000 | $178,000 | $765,000 | $99,000 | $558,000 |
| Credit History | 12 | $1,150,000 | $95,000 | $345,000 | $85,000 | $170,000 |
| Collateral | 8 | $1,460,000 | $182,000 | $495,000 | $118,000 | $268,000 |
| Other | 5 | $1,005,000 | $201,000 | $565,000 | $161,000 | $305,000 |
| Unverifiable Information | 4 | $1,300,000 | $325,000 | $595,000 | $1,551,000 | $5,382,000 |
| Employment History | 2 | $130,000 | $65,000 | $125,000 | $35,000 | $35,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $280,000 | $140,000 | $155,000 | $100,000 | $150,000 |
| Credit Application Incomplete | 1 | $95,000 | $95,000 | $95,000 | $48,000 | $48,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Adams Bank & Trust's 2024 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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