Exchange Bank & Trust in Kansas vs the state
8.8%Denial rate-6.26 pts vs state
8.9%Decision denial rate-9.43 pts vs state
83.3%Origination rate+19.51 pts vs state
—Median rate
—Rate spread (pts)
$100kMedian applicant income
95Loans originated
10Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 74 | 61 | 13.5% | — | #172 |
| 2024 | 100 | 73 | 14.0% | — | #154 |
| 2025 | 114 | 95 | 8.8% | — | #156 |
What Exchange Bank & Trust lends in Kansas
By loan purpose
By loan type
Where in Kansas
Counties with the most Exchange Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Atchison County | 59 | 47 | 5 | 8.5% |
| Leavenworth County | 29 | 27 | 1 | 3.4% |
| Doniphan County | 9 | 7 | 1 | 11.1% |
| Jefferson County | 8 | 8 | 0 | 0.0% |
| Johnson County | 3 | 3 | 0 | 0.0% |
| Brown County | 3 | 2 | 1 | 33.3% |
| Nemaha County | 2 | 0 | 2 | 100.0% |
| Sedgwick County | 1 | 1 | 0 | 0.0% |
Other large lenders in Kansas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 5,303 | 18.0% | 6.63% |
| Communityamerica Credit Union | B | 3,575 | 12.4% | 6.38% |
| United Shore Financial Services | B | 2,545 | 11.4% | 6.38% |
| Mortgage Research Center | C | 2,389 | 15.1% | 6.25% |
| Fairway Independent Mortgage | B | 2,360 | 2.0% | 6.63% |
| Pennymac Loan Services | C | 2,103 | 10.8% | 6.49% |
| Credit Union of America | C | 1,940 | 22.9% | 7.75% |
| Capitol Federal Savings Bank | B | 1,873 | 12.6% | 6.75% |
| Guild Mortgage | A | 1,549 | 3.6% | 6.63% |
| U.S. Bank | D | 1,534 | 31.4% | 7.28% |
Frequently asked questions
Kansas: 114 applications in 2025, of which 95 were originated and 10 denied.
8.8% of all applications, or 8.9% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Exchange Bank & Trust's own HMDA filing for properties located in Kansas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology