# Adams Bank & Trust

> **Canonical URL:** https://saferate.com/lenders/adams-bank-trust


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Adams Bank & Trust is a bank, headquartered in Ogallala, NE, serving borrowers across 6 states, with 159 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 59% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 67% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 54930040GLSEV5H11Q12
- **Headquarters:** Ogallala, NE
- **Geographic Reach:** Multi-Region
- **States Served:** 6
- **State List:** AR, AZ, CO, KS, NE, TN
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 91.7%
- **Brokered/Wholesale:** 8.3%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 41/100
- Rating: ●●●○○ (3/5)

### Pull Through: Acceptable 🙂
- Score: 33/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.255%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,534
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 159
- **Dollar Volume:** $49 million
- **Applications Received:** 240
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $305,943
- **Average Borrower Income:** $125,113
- **Average Property Value:** $545,692

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 41/100 | 144 | +0.243% | $1,556 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 112 loans, Score: 39/100 (Acceptable)
- Refinance: 32 loans, Score: 44/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 40/100 | 127 | $42M | +0.270% | Sound ☺️ |
| Refinance | 42/100 | 32 | $7M | +0.217% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NE | 93 | 0.43% | 72/100 |
| CO | 48 | 0.06% | 60/100 |
| AZ | 13 | 0.01% | 45/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 98 | 60/100 |
| Greeley, CO | CO | 16 | 55/100 |
| Fort Collins | CO | 15 | 53/100 |
| Prescott Valley | AZ | 13 | 55/100 |

## Where This Lender Ranks

Adams Bank & Trust appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#12** in Prescott Valley for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/prescott-valley/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#13** in Greeley, CO for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/greeley-co/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#13** in Fort Collins for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/fort-collins/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#20** in Nebraska for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/banks/fha-loans)

## Frequently Asked Questions

### What loan types does Adams Bank & Trust offer?

Adams Bank & Trust offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### 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 a pricing score of 41/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.255% above market average.

### What type of lender is Adams Bank & Trust?

Adams Bank & Trust is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Ogallala, NE.

### What is Adams Bank & Trust's loan approval success rate?

Adams Bank & Trust has a pull-through score of 33/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/adams-bank-trust

### How to Cite

> "Adams Bank & Trust Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/adams-bank-trust

---

**[View Interactive Profile →](https://saferate.com/lenders/adams-bank-trust)**