Adams Bank & Trust in Nebraska vs the state
10.1%Denial rate-2.45 pts vs state
11.7%Decision denial rate-3.48 pts vs state
75.6%Origination rate+8.30 pts vs state
7.00%Median rate+0.38 pts vs state
0.43Rate spread (pts)+0.21 pts vs state
$85kMedian applicant income
195Loans originated
26Denied
Trend in Nebraska
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 218 | 162 | 9.2% | 6.97% | #64 |
| 2024 | 216 | 154 | 17.1% | 7.50% | #65 |
| 2025 | 258 | 195 | 10.1% | 7.00% | #68 |
What Adams Bank & Trust lends in Nebraska
By loan purpose
By loan type
Why it denied Nebraska applicants
Where in Nebraska
Counties with the most Adams Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lincoln County | 112 | 87 | 9 | 8.0% |
| Keith County | 69 | 55 | 4 | 5.8% |
| Deuel County | 12 | 7 | 2 | 16.7% |
| Perkins County | 11 | 10 | 0 | 0.0% |
| Garden County | 10 | 5 | 3 | 30.0% |
| Chase County | 9 | 6 | 2 | 22.2% |
| Dawson County | 9 | 8 | 1 | 11.1% |
| Red Willow County | 4 | 3 | 0 | 0.0% |
| Buffalo County | 3 | 2 | 1 | 33.3% |
| Arthur County | 3 | 2 | 1 | 33.3% |
Other large lenders in Nebraska
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 3,384 | 17.6% | 6.75% |
| Pinnacle Bank | B | 3,371 | 4.3% | 6.95% |
| First National Bank of Omaha | C | 2,902 | 19.6% | 7.00% |
| Charter West Bank | C | 2,258 | 6.6% | 6.50% |
| U.S. Bank | D | 2,163 | 32.9% | 6.99% |
| Veridian Credit Union | B | 2,051 | 9.8% | 6.49% |
| West Gate Bank | A | 2,040 | 5.0% | 6.50% |
| Centris | B | 2,002 | 16.3% | 6.25% |
| Union Bank and Trust | B | 1,835 | 10.0% | 6.50% |
| Mortgage Research Center | C | 1,651 | 12.5% | 6.25% |
Frequently asked questions
Nebraska: 258 applications in 2025, of which 195 were originated and 26 denied.
10.1% of all applications, or 11.7% of the applications it actually decided on. The Nebraska statewide average across all lenders was 12.5%.
The median rate on loans Adams Bank & Trust originated in Nebraska in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are Adams Bank & Trust's own HMDA filing for properties located in Nebraska, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology