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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.

Safe Rate 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

Safe Rate 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
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 4 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

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

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
3
markets with activity
States Served
6
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

6
6 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest2
KSNE
South2
ARTN
West2
AZCO

Top Metro Areas by Place Specialization Score

1© Jeffrey Beall · CC BY-SA 3.0
Greeley, COMetro
Volume 16Mix 10.06% of portfolio
55/100
Sound
2© Marine 69-71 · CC BY-SA 4.0
Prescott Valley, AZMetro
Volume 13Mix 8.18% of portfolio
55/100
Sound
3© olekinderhook · CC BY 3.0
Fort Collins, COMetro
Volume 15Mix 9.43% of portfolio
53/100
Sound

Top States by Place Specialization Score

Nebraska
Nebraska
1
NebraskaState
Volume 93Mix 58.49% of portfolio
72/100
Strong
Colorado
Colorado
2
ColoradoState
Volume 48Mix 30.19% of portfolio
60/100
Strong
Arizona
Arizona
3
ArizonaState
Volume 13Mix 8.18% of portfolio
45/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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 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.