Adams Community Bank
Adams Community Bank received 452 applications in 2025 and made 296 mortgages, in 14 counties across 5 states. The median rate its borrowers got was 6.625% on a median loan of $245,000. Of 377 decisions, 72 were denials — 19.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300J5W91RLNLMTL86 |
|---|---|
| Applications received | 452 |
| Mortgages made | 296 |
| Denied | 72 |
| Approved, not taken up | 9 |
| Withdrawn or incomplete | 75 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.128 points |
| FDIC-insured bank | Yes: Adams Community Bank, 10 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 232 | 6.500% | $285,000 | 11.5% |
| Refinancing | 36 | 6.875% | $110,000 | 36.2% |
| Other purposes | 28 | 6.875% | $50,000 | 40.8% |
Where Adams Community Bank lends most
The 14 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Berkshire County, MA | 269 | 6.625% | 19.0% |
| Bennington County, VT | 7 | Under 10 loans | 12.5% |
| Rensselaer County, NY | 6 | Under 10 loans | 0.0% |
| Hampshire County, MA | 5 | Under 10 loans | 0.0% |
| Hampden County, MA | 2 | Under 10 loans | 33.3% |
| Norfolk County, MA | 2 | Under 10 loans | 33.3% |
| Northwest Hills Planning Region, CT | 1 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Barnstable County, MA | 1 | Under 10 loans | 0.0% |
| Plymouth County, MA | 1 | Under 10 loans | 0.0% |
| Windsor County, VT | 1 | Under 10 loans | 0.0% |
| Franklin County, MA | 0 | Under 10 loans | 100.0% |
| Suffolk County, MA | 0 | Under 10 loans | 100.0% |
| Columbia County, NY | 0 | Under 10 loans | 100.0% |
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When Adams Community Bank’s figures are published for the next year, or restated.
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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.