National Exchange Bank and Trust
National Exchange Bank and Trust received 1,175 applications in 2025 and made 897 mortgages, in 72 counties across 16 states. The median rate its borrowers got was 6.750% on a median loan of $135,000. Of 1,098 decisions, 128 were denials — 11.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493006P0JVBBAHVXV08 |
|---|---|
| Applications received | 1,175 |
| Mortgages made | 897 |
| Denied | 128 |
| Approved, not taken up | 73 |
| Withdrawn or incomplete | 77 |
| Loans bought from other lenders | 7 |
| Median rate spread over the prime offer rate | 0.44 points |
| FDIC-insured bank | Yes: National Exchange Bank and Trust, 34 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 381 | 6.250% | $205,000 | 9.0% |
| Refinancing | 130 | 6.250% | $135,000 | 13.6% |
| Cash-out refinancing | 156 | 7.500% | $105,000 | 23.2% |
| Other purposes | 230 | 7.500% | $55,000 | 4.4% |
Where National Exchange Bank and Trust lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Fond du Lac County, WI | 358 | 6.950% | 7.9% |
| Dodge County, WI | 97 | 7.500% | 16.5% |
| Sheboygan County, WI | 80 | 6.688% | 7.8% |
| Washington County, WI | 54 | 7.000% | 7.9% |
| Marquette County, WI | 33 | 7.500% | 22.2% |
| Waukesha County, WI | 31 | 5.750% | 0.0% |
| Winnebago County, WI | 26 | 6.625% | 12.5% |
| Calumet County, WI | 25 | 7.000% | 15.6% |
| Green Lake County, WI | 25 | 7.000% | 3.6% |
| Columbia County, WI | 22 | 6.563% | 23.3% |
| Manitowoc County, WI | 15 | 6.750% | 5.9% |
| Milwaukee County, WI | 15 | 6.950% | 34.6% |
| Waushara County, WI | 14 | 6.875% | 22.7% |
| Adams County, WI | 10 | 7.000% | 7.1% |
| Outagamie County, WI | 8 | Under 10 loans | 18.2% |
| Brown County, WI | 5 | Under 10 loans | 28.6% |
| Dane County, WI | 5 | Under 10 loans | 16.7% |
| Marinette County, WI | 5 | Under 10 loans | 16.7% |
| Ozaukee County, WI | 5 | Under 10 loans | 25.0% |
| Rock County, WI | 4 | Under 10 loans | 20.0% |
| Walworth County, WI | 4 | Under 10 loans | 20.0% |
| Portage County, WI | 3 | Under 10 loans | 0.0% |
| Racine County, WI | 3 | Under 10 loans | 0.0% |
| Vilas County, WI | 3 | Under 10 loans | 0.0% |
| Waupaca County, WI | 3 | Under 10 loans | 25.0% |
| Olmsted County, MN | 2 | Under 10 loans | 0.0% |
| Forest County, WI | 2 | Under 10 loans | 0.0% |
| Jefferson County, WI | 2 | Under 10 loans | 25.0% |
| Juneau County, WI | 2 | Under 10 loans | 0.0% |
| Kenosha County, WI | 2 | Under 10 loans | 25.0% |
| Langlade County, WI | 2 | Under 10 loans | 0.0% |
| Lincoln County, WI | 2 | Under 10 loans | 0.0% |
| Marathon County, WI | 2 | Under 10 loans | 0.0% |
| Oconto County, WI | 2 | Under 10 loans | 33.3% |
| Oneida County, WI | 2 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Monterey County, CA | 1 | Under 10 loans | 0.0% |
| Hernando County, FL | 1 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Monroe County, FL | 1 | Under 10 loans | 0.0% |
| Kendall County, IL | 1 | Under 10 loans | 0.0% |
| Washington County, IA | 1 | Under 10 loans | 0.0% |
| Marquette County, MI | 1 | Under 10 loans | 0.0% |
| Jefferson County, MO | 1 | Under 10 loans | 0.0% |
| Clark County, NV | 1 | Under 10 loans | 0.0% |
| Greenville County, SC | 1 | Under 10 loans | 0.0% |
| Davidson County, TN | 1 | Under 10 loans | 0.0% |
| Ector County, TX | 1 | Under 10 loans | 0.0% |
| Barron County, WI | 1 | Under 10 loans | 0.0% |
| Clark County, WI | 1 | Under 10 loans | 0.0% |
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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.