Adams Bank & Trust
Adams Bank & Trust received 437 applications in 2025 and made 312 mortgages, in 70 counties across 19 states. The median rate its borrowers got was 7.270% on a median loan of $185,000. Of 358 decisions, 38 were denials — 10.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 54930040GLSEV5H11Q12 |
|---|---|
| Applications received | 437 |
| Mortgages made | 312 |
| Denied | 38 |
| Approved, not taken up | 8 |
| Withdrawn or incomplete | 79 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.7465 points |
| FDIC-insured bank | Yes: Adams Bank & Trust, 23 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 222 | 7.250% | $245,000 | 7.7% |
| Refinancing | 27 | 6.920% | $155,000 | 21.1% |
| Cash-out refinancing | 25 | 7.330% | $145,000 | 19.4% |
| Other purposes | 38 | 7.560% | $55,000 | 11.6% |
Where Adams Bank & Trust lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lincoln County, NE | 87 | 6.875% | 9.4% |
| Keith County, NE | 55 | 7.125% | 6.6% |
| Weld County, CO | 23 | 7.660% | 11.5% |
| Larimer County, CO | 22 | 7.750% | 8.0% |
| Yavapai County, AZ | 14 | 7.750% | 0.0% |
| Perkins County, NE | 10 | 7.590% | 0.0% |
| Dawson County, NE | 8 | Under 10 loans | 11.1% |
| Boulder County, CO | 7 | Under 10 loans | 12.5% |
| Deuel County, NE | 7 | Under 10 loans | 22.2% |
| El Paso County, CO | 6 | Under 10 loans | 11.1% |
| Chase County, NE | 6 | Under 10 loans | 25.0% |
| Douglas County, CO | 5 | Under 10 loans | 0.0% |
| Garden County, NE | 5 | Under 10 loans | 37.5% |
| Denver County, CO | 4 | Under 10 loans | 0.0% |
| Red Willow County, NE | 3 | Under 10 loans | 0.0% |
| Adams County, CO | 2 | Under 10 loans | 33.3% |
| Jefferson County, CO | 2 | Under 10 loans | 0.0% |
| Logan County, CO | 2 | Under 10 loans | 0.0% |
| Sherman County, KS | 2 | Under 10 loans | 0.0% |
| Thomas County, KS | 2 | Under 10 loans | 25.0% |
| Arthur County, NE | 2 | Under 10 loans | 33.3% |
| Buffalo County, NE | 2 | Under 10 loans | 33.3% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Sacramento County, CA | 1 | Under 10 loans | 0.0% |
| Elbert County, CO | 1 | Under 10 loans | 0.0% |
| Lake County, CO | 1 | Under 10 loans | 0.0% |
| Mesa County, CO | 1 | Under 10 loans | 0.0% |
| Park County, CO | 1 | Under 10 loans | 0.0% |
| Pueblo County, CO | 1 | Under 10 loans | 0.0% |
| Sedgwick County, CO | 1 | Under 10 loans | 50.0% |
| Yuma County, CO | 1 | Under 10 loans | 0.0% |
| Henry County, IL | 1 | Under 10 loans | 0.0% |
| Kendall County, IL | 1 | Under 10 loans | 0.0% |
| Warrick County, IN | 1 | Under 10 loans | 0.0% |
| Scott County, IA | 1 | Under 10 loans | 0.0% |
| Douglas County, KS | 1 | Under 10 loans | 0.0% |
| Logan County, KS | 1 | Under 10 loans | 0.0% |
| Wallace County, KS | 1 | Under 10 loans | 50.0% |
| Kalamazoo County, MI | 1 | Under 10 loans | 0.0% |
| Broadwater County, MT | 1 | Under 10 loans | 0.0% |
| Box Butte County, NE | 1 | Under 10 loans | 0.0% |
| Cherry County, NE | 1 | Under 10 loans | 0.0% |
| Cheyenne County, NE | 1 | Under 10 loans | 50.0% |
| Custer County, NE | 1 | Under 10 loans | 0.0% |
| Frontier County, NE | 1 | Under 10 loans | 0.0% |
| Furnas County, NE | 1 | Under 10 loans | 0.0% |
| Garfield County, NE | 1 | Under 10 loans | 0.0% |
| Kimball County, NE | 1 | Under 10 loans | 0.0% |
| Lancaster County, NE | 1 | Under 10 loans | 50.0% |
| Logan County, NE | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.