Adams Community Bank in Massachusetts vs the state
16.1%Denial rate-0.13 pts vs state
19.3%Decision denial rate-0.62 pts vs state
65.3%Origination rate+2.67 pts vs state
6.63%Median rate0.00 pts vs state
0.13Rate spread (pts)+0.04 pts vs state
$115kMedian applicant income
280Loans originated
69Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 695 | 494 | 12.1% | 5.75% | #59 |
| 2024 | 556 | 383 | 9.5% | 6.75% | #72 |
| 2025 | 429 | 280 | 16.1% | 6.63% | #94 |
What Adams Community Bank lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Adams Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Berkshire County | 412 | 269 | 65 | 15.8% |
| Hampshire County | 6 | 5 | 0 | 0.0% |
| Hampden County | 4 | 2 | 1 | 25.0% |
| Norfolk County | 3 | 2 | 1 | 33.3% |
| Suffolk County | 1 | 0 | 1 | 100.0% |
| Franklin County | 1 | 0 | 1 | 100.0% |
| Plymouth County | 1 | 1 | 0 | 0.0% |
| Barnstable County | 1 | 1 | 0 | 0.0% |
Other large lenders in Massachusetts
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 17,476 | 29.0% | 7.40% |
| Rocket Mortgage | C | 8,698 | 15.9% | 6.75% |
| Bank of America | F | 7,784 | 30.1% | 5.99% |
| Guaranteed Rate | B | 7,313 | 4.5% | 6.50% |
| Eastern Bank | B | 6,216 | 31.8% | 6.99% |
| Rockland Trust | C | 5,990 | 28.6% | 6.99% |
| Leader Bank | A | 5,913 | 1.8% | 6.25% |
| United Shore Financial Services | B | 5,898 | 12.8% | 6.50% |
| Crosscountry Mortgage | B | 5,634 | 3.8% | 6.63% |
| TD Bank | D | 3,778 | 26.9% | 7.44% |
Frequently asked questions
Massachusetts: 429 applications in 2025, of which 280 were originated and 69 denied.
16.1% of all applications, or 19.3% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Adams Community Bank originated in Massachusetts in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Adams Community Bank's own HMDA filing for properties located in Massachusetts, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology