Adams Bank & Trust Mortgage Lending & HMDA Data, 2021
In 2021, Adams Bank & Trust of Ogallala, NE reported 946 mortgage applications totaling $217.1 million, down 8% from 2020. The average application was for $229,471, and applicants reported an average income of $116,784. 75% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Colorado Springs, CO (72), Fort Collins, CO (69) and Denver-Aurora-Lakewood, CO (41) (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 | 946 |
| Total Mortgage Loan Application Amount | $217,080,000 |
| Average Mortgage Loan Application Amount | $229,471 |
| Highest Mortgage Loan Application Amount | $2,905,000 |
| Average Applicant Income | $116,784 |
| Highest Applicant Income | $1,213,000 |
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Act (HMDA) records Adams Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 627 | $ 98,965,000 | $ 157,838 | $ 98,818 |
| Colorado Springs, CO | 72 | $ 28,720,000 | $ 398,888 | $ 170,000 |
| Fort Collins, CO | 69 | $ 25,425,000 | $ 368,478 | $ 157,000 |
| Denver-Aurora-Lakewood, CO | 41 | $ 15,105,000 | $ 368,414 | $ 177,000 |
| Greeley, CO | 35 | $ 11,885,000 | $ 339,571 | $ 134,000 |
| Boulder, CO | 30 | $ 9,700,000 | $ 323,333 | $ 153,000 |
| Prescott Valley-Prescott, AZ | 25 | $ 13,095,000 | $ 523,800 | $ 128,000 |
| Omaha-Council Bluffs, NE-IA | 11 | $ 3,195,000 | $ 290,454 | $ 116,000 |
| Phoenix-Mesa-Scottsdale, AZ | 9 | $ 4,565,000 | $ 507,222 | $ 87,000 |
| Lincoln, NE | 7 | $ 965,000 | $ 137,857 | $ 83,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 500,000 | $ 250,000 | $ 60,000 |
| Manhattan, KS | 2 | $ 210,000 | $ 105,000 | $ 21,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 890,000 | $ 445,000 | $ 108,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 365,000 | $ 365,000 | $ 72,000 |
| Boise City, ID | 1 | $ 175,000 | $ 175,000 | $ 72,000 |
| Cheyenne, WY | 1 | $ 75,000 | $ 75,000 | $ 30,000 |
| Chico, CA | 1 | $ 205,000 | $ 205,000 | $ 55,000 |
| Cincinnati, OH-KY-IN | 1 | $ 195,000 | $ 195,000 | $ 61,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 185,000 | $ 185,000 | $ 52,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 285,000 | $ 285,000 | $ 63,000 |
| Flagstaff, AZ | 1 | $ 605,000 | $ 605,000 | $ 172,000 |
| Kansas City, MO-KS | 1 | $ 315,000 | $ 315,000 | $ 95,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 295,000 | $ 295,000 | $ 68,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 755,000 | $ 755,000 | $ 100,000 |
| Provo-Orem, UT | 1 | $ 205,000 | $ 205,000 | $ 549,000 |
| Rapid City, SD | 1 | $ 155,000 | $ 155,000 | $ 0 |
| San Diego-Carlsbad, CA | 1 | $ 45,000 | $ 45,000 | $ 0 |
Mortgage Loan Application Detail Totals for Adams Bank & Trust in 2021
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 | 480 | $104,800,000 | $218,000 | $1,525,000 | $110,000 | $1,213,000 |
| Refinancing | 229 | $64,675,000 | $282,000 | $2,905,000 | $142,000 | $1,034,000 |
| Cash-out Refinancing | 203 | $43,625,000 | $214,000 | $825,000 | $110,000 | $562,000 |
| Home Improvement | 30 | $3,430,000 | $114,000 | $535,000 | $83,000 | $201,000 |
| Other Purpose | 4 | $550,000 | $137,000 | $305,000 | $85,000 | $158,000 |
| 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 | 717 | $161,915,000 | $225,000 | $1,235,000 | $122,000 | $1,213,000 |
| Not Provided | 102 | $20,830,000 | $204,000 | $1,525,000 | $94,000 | $483,000 |
| Hispanic | 57 | $10,535,000 | $184,000 | $795,000 | $89,000 | $515,000 |
| Not applicable | 56 | $20,340,000 | $363,000 | $2,905,000 | $0 | $0 |
| Asian | 8 | $1,840,000 | $230,000 | $405,000 | $120,000 | $242,000 |
| Black or African American | 2 | $620,000 | $310,000 | $425,000 | $92,000 | $109,000 |
| American Indian or Alaskan Native | 2 | $150,000 | $75,000 | $95,000 | $46,000 | $65,000 |
| 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) | 837 | $198,135,000 | $236,000 | $2,905,000 | $124,000 | $1,213,000 |
| FHA-insured (Federal Housing Administration) | 46 | $7,570,000 | $164,000 | $395,000 | $66,000 | $222,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 41 | $5,175,000 | $126,000 | $315,000 | $54,000 | $91,000 |
| VA-guaranteed (Veterans Administration) | 22 | $6,200,000 | $281,000 | $505,000 | $96,000 | $240,000 |
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 | 708 | $159,510,000 | $225,000 | $2,405,000 | $123,000 | $1,213,000 |
| Application Denied By Financial Institution | 112 | $23,450,000 | $209,000 | $2,905,000 | $71,000 | $421,000 |
| Application Withdrawn By Applicant | 99 | $25,455,000 | $257,000 | $1,205,000 | $120,000 | $952,000 |
| Application Approved But Not Accepted | 15 | $6,165,000 | $411,000 | $1,005,000 | $156,000 | $312,000 |
| File Closed For Incompleteness | 12 | $2,500,000 | $208,000 | $475,000 | $106,000 | $244,000 |
| 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 | 834 | $193,630,000 | $232,000 | $2,405,000 | $123,000 | $1,213,000 |
| Debt-To-Income Ratio | 45 | $10,335,000 | $229,000 | $1,525,000 | $68,000 | $239,000 |
| Credit History | 44 | $6,140,000 | $139,000 | $505,000 | $58,000 | $222,000 |
| Other | 9 | $1,785,000 | $198,000 | $345,000 | $134,000 | $421,000 |
| Collateral | 6 | $1,270,000 | $211,000 | $365,000 | $139,000 | $260,000 |
| Unverifiable Information | 3 | $605,000 | $201,000 | $305,000 | $70,000 | $73,000 |
| Employment History | 3 | $325,000 | $108,000 | $125,000 | $12,000 | $27,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $2,990,000 | $1,495,000 | $2,905,000 | $32,000 | $32,000 |
| 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 2021 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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