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

Bank•Ogallala, NEHQ•Direct•Reviews near you on Google

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, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.

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 Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

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.