Adams Community Bank mortgage approval rate & lending review
Adams Community Bank decided 1,319 mortgage applications and funded 1,101 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Adams Community Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Adams Community Bank at a glance
Approval is 4.0 points above the 83.2% 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 | 92% | 715 / 773 | 96% | $255K | 685 |
| Home improvement loans | 81% | 104 / 128 | 100% | $45K | 104 |
| Refinance | 76% | 133 / 175 | 95% | $115K | 126 |
| Investment property purchase | 85% | 180 / 211 | 94% | $295K | 169 |
Adams Community Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 87% | $255K | 1,297 | 1,083 |
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 Community Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Berkshire County, MA | Mortgage lenders | 92% | 736 | 650 |
| Berkshire County, MA | Investment property purchase | 86% | 199 | 160 |
| Berkshire County, MA | Refinance | 76% | 171 | 123 |
| Berkshire County, MA | Home improvement loans | 83% | 122 | 101 |
The county markets where Adams Community Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Adams Community Bank
What is Adams Community Bank's mortgage approval rate?
Adams Community Bank approved 87.3% of the 1,319 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 4.0 points above the 83.2% national rate for the same mix of loan types.
How often do borrowers take the loan Adams Community Bank offers?
Borrowers accepted 96% of the loans Adams Community Bank 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 Community Bank make?
The typical home purchase mortgage loan Adams Community Bank made was $255K; across all loan types its typical loan ran from $45K to $295K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Adams Community Bank lend?
Adams Community Bank decided applications in 7 of the states Fat Boy Data covers, most of them in Massachusetts, New York and Florida.
Can I apply to Adams Community Bank directly?
Yes. Adams Community Bank is a bank or credit union with 10 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Adams Community Bank'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 Community Bank treats applications, then get a rate quote from the lender.