Adams Bank & Trust Mortgage Lending & HMDA Data, 2008
In 2008, Adams Bank & Trust of Ogallala, NE reported 379 mortgage applications totaling $27.6 million, up 73% from 2007. The average application was for $72,936, and applicants reported an average income of $69,733. 92% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Colorado Springs, CO (13), Denver-Aurora, CO (7) and Fort Collins-Loveland, CO (6) (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 | 379 |
| Total Mortgage Loan Application Amount | $27,643,000 |
| Average Mortgage Loan Application Amount | $72,936 |
| Highest Mortgage Loan Application Amount | $825,000 |
| Average Applicant Income | $69,733 |
| Highest Applicant Income | $700,000 |
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Act (HMDA) records Adams Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 13 | $ 1,405,000 | $ 108,076 | $ 129,000 |
| Denver-Aurora, CO | 7 | $ 1,784,000 | $ 254,857 | $ 241,000 |
| Fort Collins-Loveland, CO | 6 | $ 382,000 | $ 63,666 | $ 166,000 |
| Greeley, CO | 4 | $ 321,000 | $ 80,250 | $ 64,000 |
| Lincoln, NE | 3 | $ 379,000 | $ 126,333 | $ 47,000 |
| Prescott, AZ | 2 | $ 703,000 | $ 351,500 | $ 203,000 |
| Casper, WY | 1 | $ 125,000 | $ 125,000 | $ 66,000 |
| Rapid City, SD | 1 | $ 420,000 | $ 420,000 | $ 86,000 |
| San Antonio, TX | 1 | $ 825,000 | $ 825,000 | $ 0 |
Mortgage Loan Application Detail Totals for Adams Bank & Trust in 2008
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 | 172 | $12,623,000 | $73,000 | $424,000 | $67,000 | $286,000 |
| Home Purchase | 134 | $11,662,000 | $87,000 | $825,000 | $78,000 | $700,000 |
| Home Improvement | 73 | $3,358,000 | $46,000 | $330,000 | $61,000 | $242,000 |
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 | 359 | $24,777,000 | $69,000 | $600,000 | $69,000 | $700,000 |
| Hispanic | 12 | $893,000 | $74,000 | $308,000 | $52,000 | $131,000 |
| Not applicable | 6 | $1,443,000 | $240,000 | $825,000 | $133,000 | $400,000 |
| Asian | 1 | $180,000 | $180,000 | $180,000 | $116,000 | $116,000 |
| Black or African American | 1 | $350,000 | $350,000 | $350,000 | $215,000 | $215,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 379 | $27,643,000 | $72,000 | $825,000 | $70,000 | $700,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans 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 | 350 | $25,623,000 | $73,000 | $825,000 | $71,000 | $700,000 |
| Application Withdrawn By Applicant | 15 | $1,329,000 | $88,000 | $160,000 | $64,000 | $175,000 |
| Application Denied By Financial Institution | 14 | $691,000 | $49,000 | $250,000 | $48,000 | $240,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 6 | $213,000 | $35,000 | $70,000 | $38,000 | $113,000 |
| Employment History | 1 | $8,000 | $8,000 | $8,000 | $26,000 | $26,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 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 2008 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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