Adams Bank & Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
46th10.6% deniedPricingmedian rate spread over APOR, weight 30%
18th0.75 ptsProcesswithdrawn + incomplete share, weight 15%
25th18.1%Closing coststotal loan costs ÷ loan amount, weight 10%
52nd1.85% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 438 | 308 | 9.1% | 11.4% | 7.13% | $73M |
| 2024 | 358 | 246 | 15.6% | 18.4% | 7.73% | $67M |
| 2025 | 437 | 312 | 8.7% | 10.6% | 7.27% | $81M |
What Adams Bank & Trust lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 26 manufactured homes, 51 investment properties.
Why Adams Bank & Trust denies applications
Primary reason reported for each of the 38 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Adams Bank & Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 66 | 43 | 20.4% |
| $50k – $100k | 160 | 115 | 11.9% |
| $100k – $150k | 83 | 62 | 8.7% |
| $150k – $250k | 75 | 55 | 1.7% |
| Over $250k | 32 | 19 | 8.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 41 | 33 | 2.9% |
| 25–34 | 60 | 41 | 17.7% |
| 35–44 | 83 | 55 | 17.7% |
| 45–54 | 70 | 55 | 6.4% |
| 55–64 | 64 | 38 | 15.2% |
| 65–74 | 61 | 48 | 5.9% |
| Over 74 | 43 | 29 | 6.3% |
Where Adams Bank & Trust lends
19 states and 70 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Adams Bank & Trust denied 10.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 46th percentile of small mortgage lenders.
The most common reason Adams Bank & Trust gave in 2025 was "debt-to-income ratio", cited on 39.5% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Adams Bank & Trust originated in 2025 was 7.27%, and its median rate spread over the average prime offer rate was 0.75 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 70% of its applications were for home purchases, 19% for refinancing (including cash-out), and 11% for home improvement or other purposes. By loan type: 93% conventional, 5% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.