Exchange Bank & Trust Mortgage Rates, Fees & Info

Atchison, KS

LEI: 2549006U8SXATH10WI14

Tax ID: 48-0212120

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Exchange Bank & Trust is a smaller bank specializing in Home Purchase and Refi loans. Exchange Bank & Trust has a high proportion of conventional loans. Their top markets by origination volume include: Kansas City, St. Joseph, Atchison, Topeka, and Wichita among others. We have data for 5 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Exchange Bank & Trust has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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    Originations

    114

    Origination Dollar Volume (All Markets)

    $22,950,000

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    KANSAS CITY, MO-KS (FHA|USDA|VA) 48 $13,530,000 $281,875 $0 0.00%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 29 $4,855,000 $167,414 $0 0.00%
    Atchison, KS (FHA|USDA|VA) 32 $3,640,000 $113,750 $0 0.00%
    TOPEKA, KS (FHA|USDA|VA) 4 $830,000 $207,500 $0 0.00%
    WICHITA, KS (FHA|USDA|VA) 1 $95,000 $95,000 $0 0.00%
    Exchange Bank & Trust's top markets include Kansas City, St. Joseph, Atchison, Topeka, and Wichita among others.

    Their top states include:
  • Kansas (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 114 $22,950,000 $201,316 $0 0.00%

    For 2023, Exchange Bank & Trust's most frequently originated type of loan was Conventional, with 114 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 58 $12,810,000 $220,862 $0 0.00%
    Refi 26 $6,310,000 $242,692 $0 0.00%
    Cash Out Refi 18 $3,010,000 $167,222 $0 0.00%
    Home Improvement 8 $540,000 $67,500 $0 0.00%
    Other 4 $280,000 $70,000 $0 0.00%

    For 2023, Exchange Bank & Trust's most frequently cited loan purpose was Home Purchase, with 58 originations. The 2nd most popular reason was Refi, with 26 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 114 $22,950,000 $201,316 $0 0.00%

    For 2023, Exchange Bank & Trust's most frequently cited loan duration was Other, with 114 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 48 $2,690,000 $56,042 $0 0.00%
    $100k-200k 33 $5,175,000 $156,818 $0 0.00%
    $200k-400k 17 $5,075,000 $298,529 $0 0.00%
    $400k-600k 10 $4,830,000 $483,000 $0 0.00%
    $600k-1MM 4 $2,780,000 $695,000 $0 0.00%
    $1MM+ 2 $2,400,000 $1,200,000 $0 0.00%

    2023 saw Exchange Bank & Trust place emphasis on $100,000 or less loans with 48 originations, totaling $2,690,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 21 $3,695,000 $175,952 $0 0.00%
    $150k-250k 16 $5,040,000 $315,000 $0 0.00%
    $75k-100k 16 $1,300,000 $81,250 $0 0.00%
    $50k-75k 12 $1,300,000 $108,333 $0 0.00%
    $250k+ 8 $3,830,000 $478,750 $0 0.00%
    $50k or less 7 $395,000 $56,429 $0 0.00%

    Exchange Bank & Trust lent most frequently to those with incomes in the $100k-150k range, with 21 originations. The second most popular income band? $150k-250k, with 16 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 114 $22,950,000 $201,316 $0 0.00%

    Exchange Bank & Trust lent most frequently to those with DTI ratios of Exempt%, with 114 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 75 $14,635,000 $195,133 $0 0.00%
    Not applicable 34 $7,390,000 $217,353 $0 0.00%
    Not provided 3 $805,000 $268,333 $0 0.00%
    Black 2 $120,000 $60,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    90.91%

    Exchange Bank & Trust has an average approval rate.

    Pick Rate

    Approvals leading to origination
    95.61%

    Exchange Bank & Trust has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 114 $22,950,000 $201,316

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    114 $22,950,000 $201,316