Adams Bank & Trust Mortgage Lending & HMDA Data, 2018
In 2018, Adams Bank & Trust of Ogallala, NE reported 534 mortgage applications totaling $96.9 million, up 4% from 2017. The average application was for $181,367, and applicants reported an average income of $103,831. 81% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Fort Collins, CO (52), Colorado Springs, CO (33) and Prescott, AZ (26) (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 | 534 |
| Total Mortgage Loan Application Amount | $96,850,000 |
| Average Mortgage Loan Application Amount | $181,367 |
| Highest Mortgage Loan Application Amount | $4,575,000 |
| Average Applicant Income | $103,831 |
| Highest Applicant Income | $1,041,000 |
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Act (HMDA) records Adams Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 362 | $ 40,080,000 | $ 110,718 | $ 88,651 |
| Fort Collins, CO | 52 | $ 15,420,000 | $ 296,538 | $ 136,000 |
| Colorado Springs, CO | 33 | $ 14,845,000 | $ 449,848 | $ 144,000 |
| Prescott, AZ | 26 | $ 9,560,000 | $ 367,692 | $ 102,000 |
| Greeley, CO | 22 | $ 6,930,000 | $ 315,000 | $ 132,000 |
| Denver-Aurora-Lakewood, CO | 9 | $ 2,005,000 | $ 222,777 | $ 177,000 |
| Boulder, CO | 8 | $ 3,470,000 | $ 433,750 | $ 244,000 |
| Phoenix-Mesa-Scottsdale, AZ | 7 | $ 1,255,000 | $ 179,285 | $ 103,000 |
| Omaha-Council Bluffs, NE-IA | 4 | $ 790,000 | $ 197,500 | $ 119,000 |
| Daphne-Fairhope-Foley, AL | 2 | $ 590,000 | $ 295,000 | $ 181,000 |
| Grand Island, NE | 2 | $ 290,000 | $ 145,000 | $ 65,000 |
| Grand Junction, CO | 2 | $ 440,000 | $ 220,000 | $ 80,000 |
| Idaho Falls, ID | 1 | $ 275,000 | $ 275,000 | $ 164,000 |
| Lincoln, NE | 1 | $ 195,000 | $ 195,000 | $ 121,000 |
| Pueblo, CO | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Tucson, AZ | 1 | $ 205,000 | $ 205,000 | $ 47,000 |
Mortgage Loan Application Detail Totals for Adams Bank & Trust in 2018
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 | 342 | $62,520,000 | $182,000 | $4,575,000 | $104,000 | $1,041,000 |
| Refinancing | 117 | $21,485,000 | $183,000 | $815,000 | $108,000 | $639,000 |
| Cash-out Refinancing | 48 | $11,800,000 | $245,000 | $1,705,000 | $105,000 | $479,000 |
| Home Improvement | 16 | $370,000 | $23,000 | $125,000 | $73,000 | $224,000 |
| Other Purpose | 11 | $675,000 | $61,000 | $205,000 | $94,000 | $131,000 |
| 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 | 419 | $73,965,000 | $176,000 | $1,705,000 | $104,000 | $1,041,000 |
| Not Provided | 53 | $9,035,000 | $170,000 | $705,000 | $107,000 | $623,000 |
| Not applicable | 43 | $11,095,000 | $258,000 | $4,575,000 | $0 | $0 |
| Hispanic | 12 | $1,420,000 | $118,000 | $275,000 | $79,000 | $164,000 |
| Asian | 4 | $950,000 | $237,000 | $375,000 | $150,000 | $398,000 |
| American Indian or Alaskan Native | 2 | $180,000 | $90,000 | $145,000 | $60,000 | $83,000 |
| Black or African American | 1 | $205,000 | $205,000 | $205,000 | $64,000 | $64,000 |
| 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) | 460 | $85,740,000 | $186,000 | $4,575,000 | $111,000 | $1,041,000 |
| FHA-insured (Federal Housing Administration) | 39 | $5,745,000 | $147,000 | $365,000 | $68,000 | $189,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $1,795,000 | $94,000 | $235,000 | $45,000 | $67,000 |
| VA-guaranteed (Veterans Administration) | 16 | $3,570,000 | $223,000 | $635,000 | $85,000 | $164,000 |
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 | 435 | $75,095,000 | $172,000 | $4,575,000 | $104,000 | $1,041,000 |
| Application Denied By Financial Institution | 49 | $7,955,000 | $162,000 | $765,000 | $71,000 | $219,000 |
| Application Withdrawn By Applicant | 35 | $10,085,000 | $288,000 | $1,705,000 | $96,000 | $479,000 |
| Application Approved But Not Accepted | 9 | $2,605,000 | $289,000 | $495,000 | $203,000 | $440,000 |
| File Closed For Incompleteness | 6 | $1,110,000 | $185,000 | $455,000 | $253,000 | $1,037,000 |
| 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 | 485 | $88,895,000 | $183,000 | $4,575,000 | $107,000 | $1,041,000 |
| Debt-To-Income Ratio | 18 | $3,920,000 | $217,000 | $765,000 | $75,000 | $194,000 |
| Credit History | 15 | $1,035,000 | $69,000 | $165,000 | $43,000 | $121,000 |
| Collateral | 8 | $1,300,000 | $162,000 | $365,000 | $82,000 | $139,000 |
| Other | 4 | $860,000 | $215,000 | $295,000 | $117,000 | $193,000 |
| Unverifiable Information | 2 | $440,000 | $220,000 | $285,000 | $62,000 | $75,000 |
| Employment History | 1 | $235,000 | $235,000 | $235,000 | $26,000 | $26,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $165,000 | $165,000 | $165,000 | $219,000 | $219,000 |
| Mortgage Insurance Denied | 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 2018 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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