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Unclaimed

Adams Bank & Trust

Bank•Ogallala, NE•Direct

Adams Bank Trust has 159 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Sound
vs. all lenders
Pull Through
Acceptable
closing strength
Products
Sound
Conventional
Place
Sound
Multi-Region · 3 mkts

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Safe Rate's Summary

Things to Think About

  • Pull through efficiency is below industry average

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Report Card

Adams Bank & Trust performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
Industry Standard
+25.5 bps above market avg
Pull Through
Closing strength
Acceptable
Near industry average
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Industry Standard
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Industry Standard
Top 60% of lenders
Refinance
Sound
Industry Standard
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Sound
Industry Standard
Top 60% of lenders
Multi-Regional4 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Sound
Sound
Sound
Sound
14490.6%
+0.243%Above
$1,556Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Sound
Sound
Acceptable
12779.9%
+0.270%Above
$1,584Fees
Refinance
Acceptable
Sound
Acceptable
Sound
3220.1%
+0.217%Above
$1,407Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
159
Applications
240
Volume
$48 million
Pricing & Closing
Avg Rate Spread
+0.255%
vs. market APOR
Avg Net Fees
$1,534
Origination − Credits
Pullthrough Rate
66.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$305,943
Avg Borrower Income
$125,113
Avg Property Value
$545,692

Geographic Coverage

Geographic Performance

Metro Areas
3
States Served
6
We count Washington DC as a state
Avg Place Specialization
Sound

States with Loan Originations

ARAZCOKSNETN

Top Metro Areas by Place Specialization Score

1
Greeley, CO, COMSA
Volume: 16Mix: 10.06%of portfolio
Place
Sound
2
Prescott Valley, AZMSA
Volume: 13Mix: 8.18%of portfolio
Place
Sound
3
Fort Collins, COMSA
Volume: 15Mix: 9.43%of portfolio
Place
Sound

Top States by Place Specialization Score

1
NEState
Volume: 93Mix: 58.49%of portfolio
Place
Strong
2
COState
Volume: 48Mix: 30.19%of portfolio
Place
Strong
3
AZState
Volume: 13Mix: 8.18%of portfolio
Place
Sound

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.