Adams Bank & Trust mortgage approval rate & lending review
Adams Bank & Trust decided 331 mortgage applications and funded 287 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Adams Bank & Trust reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Adams Bank & Trust at a glance
Approval is 7.0 points above the 82.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 184 / 196 | 98% | $505K | 181 |
| Home improvement loans | 88% | 23 / 26 | 100% | $65K | 23 |
| Cash-out refinance | 69% | 18 / 26 | 89% | $105K | 16 |
| Refinance | 76% | 25 / 33 | 96% | $305K | 24 |
| Investment property purchase | 87% | 27 / 31 | 100% | $265K | 27 |
Adams Bank & Trust lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Adams Bank & Trust lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Yavapai County, AZ | Mortgage lenders | 100% | 38 | 38 |
The county markets where Adams Bank & Trust made the most loans. Each link opens that market with every lender ranked.
Questions about Adams Bank & Trust
What is Adams Bank & Trust's mortgage approval rate?
Adams Bank & Trust approved 89.1% of the 331 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.0 points above the 82.1% national rate for the same mix of loan types.
How often do borrowers take the loan Adams Bank & Trust offers?
Borrowers accepted 97% of the loans Adams Bank & Trust approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Adams Bank & Trust make?
The typical home purchase mortgage loan Adams Bank & Trust made was $505K; across all loan types its typical loan ran from $65K to $505K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Adams Bank & Trust lend?
Adams Bank & Trust decided applications in 20 of the states Fat Boy Data covers, most of them in Colorado, Arizona and Nebraska.
Can I apply to Adams Bank & Trust directly?
Yes. Adams Bank & Trust is a bank or credit union with 23 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Adams Bank & Trust's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Adams Bank & Trust treats applications, then get a rate quote from the lender.