Exchange Bank
Exchange Bank received 651 applications in 2025 and made 561 mortgages, in 12 counties across 13 states. The median rate its borrowers got was 7.250% on a median loan of $155,000. Of 584 decisions, 21 were denials — 3.6%, most often for debt-to-income ratio. 267 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 2549004ZRHLORHQ9LT73 |
|---|---|
| Applications received | 651 |
| Mortgages made | 561 |
| Denied | 21 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 67 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.019 points |
| FDIC-insured bank | Yes: Exchange Bank, 5 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 382 | 7.250% | $175,000 | 2.5% |
| Refinancing | 147 | 7.500% | $105,000 | 3.9% |
| Cash-out refinancing | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Other purposes | 24 | 7.730% | $70,000 | 7.7% |
Where Exchange Bank lends most
The 12 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Hall County, NE | 114 | 7.500% | 0.9% |
| Geary County, KS | 72 | 6.250% | 0.0% |
| Douglas County, NE | 52 | 7.250% | 3.7% |
| Lancaster County, NE | 47 | 7.500% | 2.1% |
| Riley County, KS | 28 | 6.063% | 3.5% |
| Merrick County, NE | 6 | Under 10 loans | 0.0% |
| Pottawatomie County, KS | 5 | Under 10 loans | 0.0% |
| Pottawattamie County, IA | 3 | Under 10 loans | 0.0% |
| Sarpy County, NE | 3 | Under 10 loans | 0.0% |
| Mills County, IA | 2 | Under 10 loans | 0.0% |
| Cass County, NE | 2 | Under 10 loans | 33.3% |
| Howard County, NE | 2 | Under 10 loans | 0.0% |
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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.