Adams Bank & Trust Mortgage Lending & HMDA Data, 2009
In 2009, Adams Bank & Trust of Ogallala, NE reported 457 mortgage applications totaling $38.8 million, up 21% from 2008. The average application was for $84,956, and applicants reported an average income of $65,691. 89% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Fort Collins-Loveland, CO (15), Greeley, CO (10) and Colorado Springs, 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 | 457 |
| Total Mortgage Loan Application Amount | $38,825,000 |
| Average Mortgage Loan Application Amount | $84,956 |
| Highest Mortgage Loan Application Amount | $1,220,000 |
| Average Applicant Income | $65,691 |
| Highest Applicant Income | $602,000 |
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Act (HMDA) records Adams Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Fort Collins-Loveland, CO | 15 | $ 3,168,000 | $ 211,200 | $ 115,000 |
| Greeley, CO | 10 | $ 1,100,000 | $ 110,000 | $ 100,000 |
| Colorado Springs, CO | 6 | $ 322,000 | $ 53,666 | $ 45,000 |
| Denver-Aurora-Broomfield, CO | 4 | $ 1,541,000 | $ 385,250 | $ 47,000 |
| Phoenix-Mesa-Scottsdale, AZ | 4 | $ 644,000 | $ 161,000 | $ 139,000 |
| Prescott, AZ | 4 | $ 778,000 | $ 194,500 | $ 57,000 |
| Boulder, CO | 3 | $ 714,000 | $ 238,000 | $ 113,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 345,000 | $ 172,500 | $ 180,000 |
| Las Vegas-Paradise, NV | 1 | $ 286,000 | $ 286,000 | $ 93,000 |
| San Antonio, TX | 1 | $ 807,000 | $ 807,000 | $ 0 |
Mortgage Loan Application Detail Totals for Adams Bank & Trust in 2009
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 | 213 | $20,984,000 | $98,000 | $807,000 | $63,000 | $258,000 |
| Home Purchase | 166 | $13,586,000 | $81,000 | $379,000 | $69,000 | $602,000 |
| Home Improvement | 78 | $4,255,000 | $54,000 | $1,220,000 | $66,000 | $319,000 |
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 | 421 | $32,387,000 | $76,000 | $633,000 | $70,000 | $602,000 |
| Not applicable | 27 | $6,162,000 | $228,000 | $1,220,000 | $0 | $0 |
| Hispanic | 9 | $276,000 | $30,000 | $50,000 | $52,000 | $96,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 447 | $38,175,000 | $85,000 | $1,220,000 | $66,000 | $602,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $587,000 | $65,000 | $116,000 | $45,000 | $65,000 |
| VA-guaranteed (Veterans Administration) | 1 | $63,000 | $63,000 | $63,000 | $36,000 | $36,000 |
| 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 | 408 | $35,114,000 | $86,000 | $1,220,000 | $67,000 | $602,000 |
| Application Denied By Financial Institution | 36 | $2,395,000 | $66,000 | $205,000 | $57,000 | $378,000 |
| Application Withdrawn By Applicant | 13 | $1,316,000 | $101,000 | $313,000 | $55,000 | $119,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 7 | $320,000 | $45,000 | $90,000 | $53,000 | $73,000 |
| Debt-To-Income Ratio | 4 | $200,000 | $50,000 | $70,000 | $56,000 | $95,000 |
| Collateral | 1 | $184,000 | $184,000 | $184,000 | $97,000 | $97,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Adams Bank & Trust's 2009 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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