Adams Bank & Trust Mortgage Lending & HMDA Data, 2016
In 2016, Adams Bank & Trust of Ogallala, NE reported 568 mortgage applications totaling $97.9 million, up 9% from 2015. The average application was for $172,443, and applicants reported an average income of $95,232. 86% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Fort Collins, CO (82), Colorado Springs, CO (22) and Greeley, CO (21) (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 | 568 |
| Total Mortgage Loan Application Amount | $97,948,000 |
| Average Mortgage Loan Application Amount | $172,443 |
| Highest Mortgage Loan Application Amount | $2,700,000 |
| Average Applicant Income | $95,232 |
| Highest Applicant Income | $2,576,000 |
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Act (HMDA) records Adams Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Adams Bank & Trust in 2016
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 | 351 | $60,569,000 | $172,000 | $1,024,000 | $90,000 | $1,506,000 |
| Refinancing | 179 | $35,595,000 | $198,000 | $2,700,000 | $110,000 | $2,576,000 |
| Home Improvement | 38 | $1,784,000 | $46,000 | $180,000 | $74,000 | $194,000 |
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 | 484 | $79,841,000 | $164,000 | $1,268,000 | $108,000 | $2,576,000 |
| Not applicable | 57 | $13,586,000 | $238,000 | $2,700,000 | $0 | $0 |
| Hispanic | 13 | $2,271,000 | $174,000 | $563,000 | $53,000 | $98,000 |
| Not Provided | 10 | $1,614,000 | $161,000 | $303,000 | $91,000 | $298,000 |
| Black or African American | 2 | $302,000 | $151,000 | $211,000 | $85,000 | $106,000 |
| American Indian or Alaskan Native | 1 | $29,000 | $29,000 | $29,000 | $83,000 | $83,000 |
| Asian | 1 | $305,000 | $305,000 | $305,000 | $24,000 | $24,000 |
| Native Hawaiin 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) | 483 | $85,323,000 | $176,000 | $2,700,000 | $102,000 | $2,576,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 30 | $3,216,000 | $107,000 | $266,000 | $47,000 | $81,000 |
| FHA-insured (Federal Housing Administration) | 28 | $3,428,000 | $122,000 | $284,000 | $51,000 | $111,000 |
| VA-guaranteed (Veterans Administration) | 27 | $5,981,000 | $221,000 | $563,000 | $83,000 | $191,000 |
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 | 487 | $84,826,000 | $174,000 | $2,700,000 | $97,000 | $2,576,000 |
| Application Denied By Financial Institution | 45 | $5,705,000 | $126,000 | $475,000 | $90,000 | $1,325,000 |
| Application Withdrawn By Applicant | 33 | $7,208,000 | $218,000 | $605,000 | $82,000 | $324,000 |
| Application Approved But Not Accepted | 3 | $209,000 | $69,000 | $124,000 | $46,000 | $56,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 2016 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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