What loan types does Adams Bank & Trust offer?

Adams Bank & Trust offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Adams Bank & Trust offer mortgages?

Adams Bank & Trust offers mortgages in 6 states: AR, AZ, CO, KS, NE, TN.

How competitive are Adams Bank & Trust's mortgage rates?

Adams Bank & Trust has an overall pricing score of 41.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Adams Bank & Trust?

Adams Bank & Trust is a Bank headquartered in Ogallala, NE.

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Adams Bank & Trust

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Adams Bank & Trust has 159 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Sound

3/5

Conventional

Place

Sound

3/5

Multi-Region · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Adams Bank & Trust performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+25.5 bps above market avg

3/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

144 loans · 0.24% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

127 loans · 0.27% above market

Sound

Top 60% of lenders

3/5

Refinance

32 loans · 0.22% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 4 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Sound	Sound	144	90.6%	+0.243%Above	$1,556Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume144

Mix90.6%

Spread

+0.243%Above

Fees

$1,556Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Acceptable	127	79.9%	+0.270%Above	$1,584Fees
Refinance	Acceptable	Sound	Acceptable	Sound	32	20.1%	+0.217%Above	$1,407Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Acceptable

Volume127

Mix79.9%

Spread

+0.270%Above

Fees

$1,584Fees

Refinance

Overall

Acceptable

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume32

Mix20.1%

Spread

+0.217%Above

Fees

$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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

6Full-year 2024 · HMDA

Loans originated

< 1010–5050+None

Midwest2

KSNE

South2

ARTN

West2

AZCO

Top Metro Areas by Place Specialization Score

Greeley, COMetro

Volume 16Mix 10.06% of portfolio

55/100

Sound

Prescott Valley, AZMetro

Volume 13Mix 8.18% of portfolio

55/100

Sound

Fort Collins, COMetro

Volume 15Mix 9.43% of portfolio

53/100

Sound

Top States by Place Specialization Score

NebraskaState

Volume 93Mix 58.49% of portfolio

72/100

Strong

ColoradoState

Volume 48Mix 30.19% of portfolio

60/100

Strong

ArizonaState

Volume 13Mix 8.18% of portfolio

45/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

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.