First Exchange Bank
First Exchange Bank received 222 applications in 2025 and made 102 mortgages, in 24 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $165,000. Of 178 decisions, 63 were denials — 35.4%.
| Legal Entity Identifier | 549300ZOW5Z4AZ36M223 |
|---|---|
| Applications received | 222 |
| Mortgages made | 102 |
| Denied | 63 |
| Approved, not taken up | 13 |
| Withdrawn or incomplete | 44 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: First Exchange Bank, 7 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 72 | Not published | $185,000 | 37.9% |
| Refinancing | 22 | Not published | $125,000 | 33.3% |
| Other purposes | 8 | Under 10 loans | Under 10 loans | 10.0% |
Where First 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 |
|---|---|---|---|
| Marion County, WV | 32 | Not published | 36.9% |
| Monongalia County, WV | 23 | Not published | 27.3% |
| Harrison County, WV | 15 | Not published | 40.0% |
| Wetzel County, WV | 8 | Under 10 loans | 10.0% |
| Taylor County, WV | 6 | Under 10 loans | 33.3% |
| Preston County, WV | 3 | Under 10 loans | 40.0% |
| Upshur County, WV | 3 | Under 10 loans | 50.0% |
| Fayette County, PA | 2 | Under 10 loans | 0.0% |
| Doddridge County, WV | 2 | Under 10 loans | 0.0% |
| Lewis County, WV | 2 | Under 10 loans | 50.0% |
| Allegheny County, PA | 1 | Under 10 loans | 0.0% |
| Greene County, PA | 1 | Under 10 loans | 66.7% |
| Barbour County, WV | 1 | Under 10 loans | 0.0% |
| Braxton County, WV | 1 | Under 10 loans | 50.0% |
| Marshall County, WV | 1 | Under 10 loans | 66.7% |
| Pocahontas County, WV | 1 | Under 10 loans | 0.0% |
| Belmont County, OH | 0 | Under 10 loans | Not published |
| Clay County, WV | 0 | Under 10 loans | 100.0% |
| Gilmer County, WV | 0 | Under 10 loans | Not published |
| Hancock County, WV | 0 | Under 10 loans | Not published |
| Mineral County, WV | 0 | Under 10 loans | Not published |
| Nicholas County, WV | 0 | Under 10 loans | 100.0% |
| Tyler County, WV | 0 | Under 10 loans | 100.0% |
| Webster County, WV | 0 | Under 10 loans | 0.0% |
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When First 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.