Adams Bank & Trust Mortgage Lending & HMDA Data, 2023
In 2023, Adams Bank & Trust of Ogallala, NE reported 438 mortgage applications totaling $107.6 million, down 9% from 2022. The average application was for $245,547, and applicants reported an average income of $117,853. 70% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Greeley, CO (42), Prescott Valley-Prescott, AZ (35) and Fort Collins, CO (33) (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 | 438 |
| Total Mortgage Loan Application Amount | $107,550,000 |
| Average Mortgage Loan Application Amount | $245,547 |
| Highest Mortgage Loan Application Amount | $1,875,000 |
| Average Applicant Income | $117,853 |
| Highest Applicant Income | $571,000 |
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Act (HMDA) records Adams Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 249 | $ 33,995,000 | $ 136,526 | $ 95,678 |
| Greeley, CO | 42 | $ 13,260,000 | $ 315,714 | $ 137,000 |
| Prescott Valley-Prescott, AZ | 35 | $ 20,805,000 | $ 594,428 | $ 135,000 |
| Fort Collins, CO | 33 | $ 13,635,000 | $ 413,181 | $ 139,000 |
| Colorado Springs, CO | 20 | $ 5,640,000 | $ 282,000 | $ 170,000 |
| Denver-Aurora-Lakewood, CO | 18 | $ 6,020,000 | $ 334,444 | $ 179,000 |
| Grand Junction, CO | 5 | $ 1,215,000 | $ 243,000 | $ 131,000 |
| Phoenix-Mesa-Scottsdale, AZ | 5 | $ 2,275,000 | $ 455,000 | $ 124,000 |
| Boulder, CO | 4 | $ 1,110,000 | $ 277,500 | $ 252,000 |
| Lincoln, NE | 4 | $ 810,000 | $ 202,500 | $ 174,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 230,000 | $ 115,000 | $ 136,000 |
| Punta Gorda, FL | 2 | $ 650,000 | $ 325,000 | $ 198,000 |
| Salt Lake City, UT | 2 | $ 930,000 | $ 465,000 | $ 140,000 |
| Abilene, TX | 1 | $ 85,000 | $ 85,000 | $ 56,000 |
| Cheyenne, WY | 1 | $ 365,000 | $ 365,000 | $ 150,000 |
| Chicago-Naperville, IL | 1 | $ 285,000 | $ 285,000 | $ 111,000 |
| Clarksville, TN-KY | 1 | $ 125,000 | $ 125,000 | $ 30,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 605,000 | $ 605,000 | $ 32,000 |
| Glens Falls, NY | 1 | $ 155,000 | $ 155,000 | $ 126,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 535,000 | $ 535,000 | $ 88,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 235,000 | $ 235,000 | $ 257,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 725,000 | $ 725,000 | $ 272,000 |
| Las Cruces, NM | 1 | $ 465,000 | $ 465,000 | $ 42,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 335,000 | $ 335,000 | $ 77,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 355,000 | $ 355,000 | $ 34,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 185,000 | $ 185,000 | $ 138,000 |
| Rapid City, SD | 1 | $ 665,000 | $ 665,000 | $ 117,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 985,000 | $ 985,000 | $ 364,000 |
| Tuscaloosa, AL | 1 | $ 735,000 | $ 735,000 | $ 190,000 |
| Wichita, KS | 1 | $ 135,000 | $ 135,000 | $ 420,000 |
Mortgage Loan Application Detail Totals for Adams Bank & Trust in 2023
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 | 285 | $86,925,000 | $305,000 | $1,875,000 | $114,000 | $571,000 |
| Home Improvement | 50 | $2,830,000 | $56,000 | $305,000 | $98,000 | $303,000 |
| Cash-out Refinancing | 39 | $8,785,000 | $225,000 | $1,145,000 | $147,000 | $434,000 |
| Refinancing | 37 | $6,895,000 | $186,000 | $735,000 | $145,000 | $361,000 |
| Other Purpose | 27 | $2,115,000 | $78,000 | $315,000 | $116,000 | $421,000 |
| 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 | 344 | $81,190,000 | $236,000 | $1,875,000 | $114,000 | $511,000 |
| Not Provided | 43 | $16,945,000 | $394,000 | $1,595,000 | $142,000 | $434,000 |
| Hispanic | 24 | $4,840,000 | $201,000 | $655,000 | $108,000 | $571,000 |
| Not applicable | 20 | $3,190,000 | $159,000 | $1,265,000 | $0 | $0 |
| Black or African American | 3 | $565,000 | $188,000 | $275,000 | $202,000 | $257,000 |
| Asian | 2 | $440,000 | $220,000 | $385,000 | $105,000 | $138,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $25,000 | $25,000 | $25,000 | $60,000 | $60,000 |
| 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) | 409 | $102,635,000 | $250,000 | $1,875,000 | $121,000 | $571,000 |
| FHA-insured (Federal Housing Administration) | 15 | $2,575,000 | $171,000 | $335,000 | $74,000 | $133,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,215,000 | $135,000 | $225,000 | $59,000 | $81,000 |
| VA-guaranteed (Veterans Administration) | 5 | $1,125,000 | $225,000 | $455,000 | $94,000 | $260,000 |
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 | 308 | $72,710,000 | $236,000 | $1,595,000 | $119,000 | $571,000 |
| Application Withdrawn By Applicant | 81 | $27,315,000 | $337,000 | $1,875,000 | $131,000 | $511,000 |
| Application Denied By Financial Institution | 40 | $6,600,000 | $165,000 | $1,145,000 | $91,000 | $434,000 |
| File Closed For Incompleteness | 7 | $455,000 | $65,000 | $155,000 | $56,000 | $78,000 |
| Application Approved But Not Accepted | 2 | $470,000 | $235,000 | $255,000 | $229,000 | $324,000 |
| 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 | 398 | $100,950,000 | $253,000 | $1,875,000 | $121,000 | $571,000 |
| Debt-To-Income Ratio | 20 | $3,620,000 | $181,000 | $1,145,000 | $83,000 | $434,000 |
| Credit History | 11 | $1,675,000 | $152,000 | $545,000 | $67,000 | $157,000 |
| Other | 4 | $950,000 | $237,000 | $605,000 | $222,000 | $420,000 |
| Collateral | 2 | $40,000 | $20,000 | $25,000 | $71,000 | $87,000 |
| Unverifiable Information | 1 | $125,000 | $125,000 | $125,000 | $108,000 | $108,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $95,000 | $95,000 | $95,000 | $46,000 | $46,000 |
| Mortgage Insurance Denied | 1 | $95,000 | $95,000 | $95,000 | $46,000 | $46,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Adams Bank & Trust's 2023 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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with aggregated HMDA statistics today.
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