Exchange Bank
Exchange Bank received 130 applications in 2025 and made 95 mortgages, in 24 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $155,000. Of 112 decisions, 14 were denials — 12.5%.
| Legal Entity Identifier | 5493000I54FJ7EG6WZ24 |
|---|---|
| Applications received | 130 |
| Mortgages made | 95 |
| Denied | 14 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 18 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Exchange Bank, 5 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 37 | Not published | $235,000 | 18.4% |
| Refinancing | 48 | Not published | $115,000 | 5.9% |
| Cash-out refinancing | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Other purposes | 8 | Under 10 loans | Under 10 loans | 11.1% |
Where Exchange Bank lends most
The 24 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Baldwin County, GA | 43 | Not published | 14.0% |
| Jones County, GA | 11 | Not published | 8.3% |
| Putnam County, GA | 8 | Under 10 loans | 20.0% |
| Greene County, GA | 5 | Under 10 loans | 0.0% |
| Hancock County, GA | 4 | Under 10 loans | 20.0% |
| Houston County, GA | 4 | Under 10 loans | 0.0% |
| Washington County, GA | 4 | Under 10 loans | 0.0% |
| Wilkinson County, GA | 3 | Under 10 loans | 0.0% |
| Bibb County, GA | 2 | Under 10 loans | 0.0% |
| Chattahoochee County, GA | 1 | Under 10 loans | 0.0% |
| Clarke County, GA | 1 | Under 10 loans | 0.0% |
| DeKalb County, GA | 1 | Under 10 loans | 0.0% |
| Fayette County, GA | 1 | Under 10 loans | 0.0% |
| Fulton County, GA | 1 | Under 10 loans | 50.0% |
| Glynn County, GA | 1 | Under 10 loans | 0.0% |
| Monroe County, GA | 1 | Under 10 loans | 0.0% |
| Pulaski County, GA | 1 | Under 10 loans | 0.0% |
| Spalding County, GA | 1 | Under 10 loans | 0.0% |
| Walton County, GA | 1 | Under 10 loans | 0.0% |
| Beaufort County, SC | 1 | Under 10 loans | 0.0% |
| Cherokee County, GA | 0 | Under 10 loans | Not published |
| Lamar County, GA | 0 | Under 10 loans | Not published |
| Laurens County, GA | 0 | Under 10 loans | 100.0% |
| Toombs County, GA | 0 | Under 10 loans | 100.0% |
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When Exchange Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.