Adams Community Bank 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%
21st19.1% deniedPricingmedian rate spread over APOR, weight 30%
69th0.13 ptsProcesswithdrawn + incomplete share, weight 15%
29th16.6%Closing coststotal loan costs ÷ loan amount, weight 10%
67th1.46% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 734 | 518 | 12.0% | 13.9% | 5.75% | $136M |
| 2024 | 584 | 403 | 9.6% | 11.7% | 6.75% | $105M |
| 2025 | 452 | 296 | 15.9% | 19.1% | 6.63% | $84M |
What Adams Community Bank 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, 5 manufactured homes, 18 investment properties.
Why Adams Community Bank denies applications
Primary reason reported for each of the 72 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Adams Community Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 37 | 13 | 55.9% |
| $50k – $100k | 141 | 85 | 21.9% |
| $100k – $150k | 106 | 75 | 15.4% |
| $150k – $250k | 110 | 79 | 9.2% |
| Over $250k | 52 | 41 | 8.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 92 | 60 | 20.8% |
| 35–44 | 120 | 83 | 15.8% |
| 45–54 | 61 | 37 | 27.8% |
| 55–64 | 87 | 58 | 15.5% |
| 65–74 | 58 | 35 | 21.7% |
Where Adams Community Bank lends
5 states and 14 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Massachusetts | 429 | 280 | 16.1% | 6.63% | #94 |
| New York | 11 | 6 | 18.2% | 6.63% | #458 |
| Vermont | 10 | 8 | 10.0% | 6.69% | #105 |
Frequently asked questions
Adams Community Bank denied 19.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 21st percentile of small mortgage lenders.
The most common reason Adams Community Bank gave in 2025 was "debt-to-income ratio", cited on 55.6% 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 Community Bank originated in 2025 was 6.63%, and its median rate spread over the average prime offer rate was 0.13 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 74% of its applications were for home purchases, 14% for refinancing (including cash-out), and 12% for home improvement or other purposes. By loan type: 99% conventional, 0% 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.