Exchange Bank & Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
46th10.7% deniedProcesswithdrawn + incomplete share, weight 15%
89th2.1%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 123 | 105 | 9.8% | 10.2% | — | $19M |
| 2024 | 136 | 99 | 12.5% | 13.5% | — | $30M |
| 2025 | 143 | 115 | 10.5% | 10.7% | — | $30M |
What Exchange Bank & Trust lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 15 manufactured homes, 41 investment properties.
Who gets approved at Exchange Bank & Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 38 | 24 | 22.2% |
| $100k – $150k | 28 | 22 | 7.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 25 | 17 | 20.8% |
| 45–54 | 29 | 23 | 14.3% |
Where Exchange Bank & Trust lends
3 states and 15 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Exchange Bank & Trust denied 10.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 46th percentile of small mortgage lenders.
In 2025, 59% of its applications were for home purchases, 27% for refinancing (including cash-out), and 13% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.