Exchange Bank in Kansas vs the state
2.7%Denial rate-12.32 pts vs state
3.2%Decision denial rate-15.08 pts vs state
82.2%Origination rate+18.35 pts vs state
6.63%Median rate0.00 pts vs state
-0.20Rate spread (pts)-0.50 pts vs state
$84kMedian applicant income
212Loans originated
7Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 251 | 214 | 4.4% | 6.89% | #77 |
| 2024 | 261 | 231 | 0.4% | 6.38% | #79 |
| 2025 | 258 | 212 | 2.7% | 6.63% | #85 |
What Exchange Bank lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most Exchange Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Geary County | 90 | 72 | 0 | 0.0% |
| Riley County | 36 | 28 | 1 | 2.8% |
| Pottawatomie County | 6 | 5 | 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: 258 applications in 2025, of which 212 were originated and 7 denied.
2.7% of all applications, or 3.2% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans Exchange Bank originated in Kansas in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Exchange Bank'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