Exchange Bank of Missouri 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%
57th8.1% deniedProcesswithdrawn + incomplete share, weight 15%
64th8.7%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 167 | 141 | 11.4% | 11.9% | — | $26M |
| 2024 | 129 | 105 | 12.4% | 13.2% | — | $22M |
| 2025 | 231 | 193 | 7.4% | 8.1% | — | $43M |
What Exchange Bank of Missouri 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, 12 manufactured homes, 56 investment properties.
Who gets approved at Exchange Bank of Missouri
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 41 | 26 | 23.5% |
| $50k – $100k | 70 | 56 | 9.7% |
| $100k – $150k | 46 | 42 | 0.0% |
| $150k – $250k | 23 | 22 | 4.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 44 | 36 | 5.1% |
| 35–44 | 54 | 46 | 13.2% |
| 45–54 | 35 | 29 | 9.4% |
| 55–64 | 25 | 20 | 4.8% |
Where Exchange Bank of Missouri lends
3 states and 23 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Missouri | 227 | 192 | 7.5% | — | #168 |
Frequently asked questions
Exchange Bank of Missouri denied 8.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 57th percentile of small mortgage lenders.
In 2025, 36% of its applications were for home purchases, 61% for refinancing (including cash-out), and 3% for home improvement or other purposes. By loan type: 99% 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.