Purchase Originations
189
Median Total Costs
$3,520
−47.3% vs national ($6,680)
↑ $203 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$0
Median Lender Credits
$750
Denial Rate
8.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 186 | 6.500% | $3,519 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Massachusetts | 179 | 6.500% | $3,490 | #57 |
| Vermont | 6 | 6.688% | $4,672 | — |
| New York | 3 | 6.750% | $3,744 | — |
| Connecticut | 1 | 6.875% | $3,882 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,637 | 6.250% | — | 1 | −$1,883 | |
| 2 | $2,317 | 6.375% | — | 2 | −$1,203 | |
| 3 | $3,481 | 6.500% | — | 172 | −$39 | |
| 4 | $3,744 | 6.750% | — | 3 | +$224 | |
| 5 | $3,842 | 6.625% | — | 2 | +$322 | |
| 6 | $3,863 | 6.562% | — | 2 | +$343 | |
| 7 | $3,882 | 6.875% | — | 1 | +$362 | |
| 8 | $4,672 | 6.688% | — | 6 | +$1,152 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Adams Community Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $285,000 | $335,000 | −$50,000 (−14.9%) |
| Median total closing costs | $3,520 | $7,127 | −$3,607 (−50.6%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.