Adams Bank & Trust Mortgage Lending & HMDA Data, 2005
In 2005, Adams Bank & Trust of Ogallala, NE reported 355 mortgage applications totaling $17.7 million, up 11% from 2004. The average application was for $49,746, and applicants reported an average income of $45,856. 77% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Colorado Springs, CO (5), Fort Collins-Loveland, CO (5) and Greeley, CO (2) (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 | 355 |
| Total Mortgage Loan Application Amount | $17,660,000 |
| Average Mortgage Loan Application Amount | $49,746 |
| Highest Mortgage Loan Application Amount | $502,000 |
| Average Applicant Income | $45,856 |
| Highest Applicant Income | $519,000 |
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Act (HMDA) records Adams Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Colorado Springs, CO | 5 | $ 714,000 | $ 142,800 | $ 50,000 |
| Fort Collins-Loveland, CO | 5 | $ 232,000 | $ 46,400 | $ 86,000 |
| Greeley, CO | 2 | $ 13,000 | $ 6,500 | $ 60,000 |
| Pueblo, CO | 1 | $ 35,000 | $ 35,000 | $ 68,000 |
| Tulsa, OK | 1 | $ 218,000 | $ 218,000 | $ 80,000 |
Mortgage Loan Application Detail Totals for Adams Bank & Trust in 2005
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 |
|---|---|---|---|---|---|---|
| Refinancing | 131 | $8,432,000 | $79,000 | $360,000 | $49,000 | $519,000 |
| Home Purchase | 126 | $7,462,000 | $88,000 | $502,000 | $53,000 | $250,000 |
| Home Improvement | 98 | $1,766,000 | $12,666 | $101,000 | $51,000 | $150,000 |
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 | 338 | $16,840,000 | $80,600 | $502,000 | $57,400 | $519,000 |
| Hispanic | 13 | $215,000 | $12,500 | $37,000 | $42,500 | $96,000 |
| Not applicable | 3 | $561,000 | $197,500 | $327,000 | $5,000 | $21,000 |
| American Indian or Alaskan Native | 1 | $44,000 | $44,000 | $44,000 | $59,000 | $59,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 335 | $16,853,000 | $81,000 | $502,000 | $56,200 | $519,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $807,000 | $58,000 | $79,000 | $36,000 | $48,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 272 | $13,155,000 | $76,200 | $502,000 | $59,000 | $519,000 |
| Application Denied By Financial Institution | 54 | $2,612,000 | $54,333 | $162,000 | $33,666 | $85,000 |
| Application Withdrawn By Applicant | 27 | $1,630,000 | $60,000 | $152,000 | $38,000 | $104,000 |
| Application Approved But Not Accepted | 2 | $263,000 | $131,000 | $232,000 | $33,000 | $47,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 24 | $920,000 | $18,000 | $95,000 | $36,000 | $54,000 |
| Debt-To-Income Ratio | 5 | $259,000 | $62,000 | $79,000 | $38,000 | $85,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $280,000 | $140,000 | $162,000 | $45,500 | $72,000 |
| Other | 1 | $115,000 | $115,000 | $115,000 | $35,000 | $35,000 |
| Employment History | 1 | $51,000 | $51,000 | $51,000 | $18,000 | $18,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 2005 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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