The Exchange Bank of Alabama
The Exchange Bank of Alabama received 62 applications in 2025 and made 51 mortgages, in 12 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $155,000. Of 62 decisions, 10 were denials — 16.1%.
| Legal Entity Identifier | 549300OPZE52Y4J4QP25 |
|---|---|
| Applications received | 62 |
| Mortgages made | 51 |
| Denied | 10 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 0 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: The Exchange Bank of Alabama, 5 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 33 | Not published | $225,000 | 12.8% |
| Refinancing | 12 | Not published | $160,000 | 7.7% |
| Other purposes | 6 | Under 10 loans | Under 10 loans | 40.0% |
Where The Exchange Bank of Alabama 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 |
|---|---|---|---|
| Etowah County, AL | 38 | Not published | 18.8% |
| Baldwin County, AL | 2 | Under 10 loans | 0.0% |
| Tuscaloosa County, AL | 2 | Under 10 loans | 0.0% |
| Bay County, FL | 2 | Under 10 loans | 0.0% |
| Calhoun County, AL | 1 | Under 10 loans | 0.0% |
| Jefferson County, AL | 1 | Under 10 loans | 0.0% |
| Lee County, AL | 1 | Under 10 loans | 0.0% |
| Marshall County, AL | 1 | Under 10 loans | 0.0% |
| St. Clair County, AL | 1 | Under 10 loans | 0.0% |
| Talladega County, AL | 1 | Under 10 loans | 0.0% |
| Le Flore County, OK | 1 | Under 10 loans | 0.0% |
| Madison County, AL | 0 | Under 10 loans | 100.0% |
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When The Exchange Bank of Alabama’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.