# Adams Community Bank

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

> **📋 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 Community Bank is a bank, headquartered in Adams, MA, serving borrowers across 5 states, with 288 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 12% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 27% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300J5W91RLNLMTL86
- **Headquarters:** Adams, MA
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** MA, NH, NY, RI, VT
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 88/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 73/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.005%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $-232
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 288
- **Dollar Volume:** $91 million
- **Applications Received:** 415
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $316,806
- **Average Borrower Income:** $172,347

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (78%)
- ⭐ **Purchase Gold Superstar** (78%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 70/100 | 278 | +0.000% | $-236 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 248 loans, Score: 70/100 (Strong)
- Refinance: 30 loans, Score: 58/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 69/100 | 258 | $84M | -0.017% | Strong 😀 |
| Refinance | 58/100 | 30 | $7M | +0.192% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MA | 276 | 0.46% | 79/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Pittsfield, MA | MA | 265 | 98/100 |
| Non |  | 11 | 23/100 |

## Frequently Asked Questions

### What loan types does Adams Community Bank offer?

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

### Where does Adams Community Bank offer mortgages?

Adams Community Bank offers mortgages in 5 states: MA, NH, NY, RI, VT.

### How competitive are Adams Community Bank's mortgage rates?

Adams Community Bank has a pricing score of 88/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.005% above market average.

### What type of lender is Adams Community Bank?

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

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

Adams Community Bank has a pull-through score of 73/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/adams-community-bank

### How to Cite

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

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