Adams Bank & Trust Mortgage Lending & HMDA Data, 2020
In 2020, Adams Bank & Trust of Ogallala, NE reported 1,032 mortgage applications totaling $210.2 million, up 65% from 2019. The average application was for $203,653, and applicants reported an average income of $112,450. 75% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Colorado Springs, CO (93), Fort Collins, CO (81) and Denver-Aurora-Lakewood, CO (68) (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 | 1,032 |
| Total Mortgage Loan Application Amount | $210,170,000 |
| Average Mortgage Loan Application Amount | $203,653 |
| Highest Mortgage Loan Application Amount | $2,005,000 |
| Average Applicant Income | $112,450 |
| Highest Applicant Income | $984,000 |
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Act (HMDA) records Adams Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2020
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 | 449 | $80,135,000 | $178,000 | $1,105,000 | $95,000 | $639,000 |
| Refinancing | 375 | $88,715,000 | $236,000 | $2,005,000 | $132,000 | $797,000 |
| Cash-out Refinancing | 176 | $38,190,000 | $216,000 | $515,000 | $117,000 | $984,000 |
| Home Improvement | 17 | $1,075,000 | $63,000 | $225,000 | $76,000 | $255,000 |
| Other Purpose | 15 | $2,055,000 | $137,000 | $655,000 | $134,000 | $410,000 |
| 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 | 824 | $166,490,000 | $202,000 | $835,000 | $113,000 | $984,000 |
| Not Provided | 112 | $20,240,000 | $180,000 | $875,000 | $107,000 | $355,000 |
| Not applicable | 41 | $11,765,000 | $286,000 | $2,005,000 | $0 | $0 |
| Hispanic | 32 | $7,080,000 | $221,000 | $695,000 | $119,000 | $515,000 |
| Asian | 8 | $1,260,000 | $157,000 | $275,000 | $73,000 | $110,000 |
| Black or African American | 6 | $1,170,000 | $195,000 | $405,000 | $78,000 | $121,000 |
| American Indian or Alaskan Native | 4 | $960,000 | $240,000 | $515,000 | $121,000 | $219,000 |
| 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) | 931 | $194,295,000 | $208,000 | $2,005,000 | $119,000 | $984,000 |
| FHA-insured (Federal Housing Administration) | 51 | $6,225,000 | $122,000 | $395,000 | $53,000 | $161,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 25 | $2,845,000 | $113,000 | $225,000 | $48,000 | $132,000 |
| VA-guaranteed (Veterans Administration) | 25 | $6,805,000 | $272,000 | $485,000 | $89,000 | $183,000 |
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 | 772 | $154,400,000 | $200,000 | $2,005,000 | $114,000 | $878,000 |
| Application Denied By Financial Institution | 123 | $20,355,000 | $165,000 | $835,000 | $74,000 | $317,000 |
| Application Withdrawn By Applicant | 117 | $30,915,000 | $264,000 | $1,105,000 | $127,000 | $984,000 |
| File Closed For Incompleteness | 11 | $2,725,000 | $247,000 | $515,000 | $328,000 | $797,000 |
| Application Approved But Not Accepted | 9 | $1,775,000 | $197,000 | $515,000 | $111,000 | $272,000 |
| 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 | 909 | $189,815,000 | $208,000 | $2,005,000 | $118,000 | $984,000 |
| Credit History | 55 | $6,625,000 | $120,000 | $835,000 | $72,000 | $269,000 |
| Debt-To-Income Ratio | 34 | $8,310,000 | $244,000 | $515,000 | $74,000 | $219,000 |
| Collateral | 12 | $1,680,000 | $140,000 | $405,000 | $106,000 | $317,000 |
| Other | 7 | $1,405,000 | $200,000 | $475,000 | $78,000 | $194,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $565,000 | $80,000 | $145,000 | $63,000 | $122,000 |
| Unverifiable Information | 4 | $960,000 | $240,000 | $355,000 | $26,000 | $41,000 |
| Credit Application Incomplete | 2 | $340,000 | $170,000 | $265,000 | $64,000 | $93,000 |
| Employment History | 2 | $470,000 | $235,000 | $405,000 | $57,000 | $80,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Adams Bank & Trust's 2020 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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