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Adams Community Bank

Bank•Adams, MAHQ•Direct•Reviews near you on Google

Adams Community Bank has 288 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
Conventional
Place
Exceptional
5/5
Regional · 1 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees
  • Strong pull through performance

Explore another lender or local market

Report Card

Adams Community Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
+0.5 bps above market avg
5/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
278 loans · 0.00% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
258 loans · 0.02% below market
Strong
Top 40% of lenders
4/5
Refinance
30 loans · 0.19% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Regional · 2 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume278
Mix96.5%
Spread
+0.000%Above
Fees
$236Credit

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume258
Mix89.6%
Spread
-0.017%Below
Fees
$288Credit
Refinance
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Strong
Volume30
Mix10.4%
Spread
+0.192%Above
Fees
$244Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
288
Applications
415
Volume
$91 million
Pricing & Closing
Avg Rate Spread
+0.005%
vs. market APOR
Avg Net Fees
$-232
Origination − Credits
Pullthrough Rate
69.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$316,806
Avg Borrower Income
$172,347
Avg Property Value
$437,708

Geographic Coverage

Geographic Performance

Metro Areas
1
markets with activity
States Served
5
of 50 states + DC
Avg Place Specialization
Exceptional
5/5

States with Loan Originations

5Full-year 2024 · HMDA
5 states with loan originations
Loans originated
< 200200+None
Northeast5
MANHNYRIVT

Top Metro Areas by Place Specialization Score

1© AlexiusHoratius · CC BY-SA 3.0
Pittsfield, MAMetro
Volume 265Mix 92.01% of portfolio
98/100
Exceptional

Top States by Place Specialization Score

Massachusetts
Massachusetts
1
MassachusettsState
Volume 276Mix 95.83% of portfolio
79/100
Strong

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
Champion(80%+ = 40-50 points)
Superstar
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.