Exchange Bank & Trust Mortgage Rates, Fees & Info

Atchison, KS

LEI: 2549006U8SXATH10WI14

Tax ID: 48-0212120

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

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 loans. Exchange Bank & Trust has a high proportion of conventional loans. Their top markets by origination volume include: Kansas City, Atchison, St. Joseph, Topeka, and Columbus among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Exchange Bank & Trust has an average approval rate when compared to the average across all lenders. They have a below 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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    Originations

    99

    Origination Dollar Volume (All Markets)

    $29,755,000

    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) 33 $19,645,000 $595,303 $0 0.00%
    Atchison, KS (FHA|USDA|VA) 35 $4,945,000 $141,286 $0 0.00%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 22 $3,490,000 $158,636 $0 0.00%
    TOPEKA, KS (FHA|USDA|VA) 6 $1,200,000 $200,000 $0 0.00%
    Columbus, NE (FHA|USDA|VA) 1 $415,000 $415,000 $0 0.00%
    MANHATTAN, KS (FHA|USDA|VA) 1 $45,000 $45,000 $0 0.00%
    Outside of Metro Areas 1 $15,000 $15,000 $0 0.00%
    Exchange Bank & Trust's top markets include Kansas City, Atchison, St. Joseph, Topeka, and Columbus among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 99 $29,755,000 $300,556 $0 0.00%

    For 2024, Exchange Bank & Trust's most frequently originated type of loan was Conventional, with 99 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 57 $26,225,000 $460,088 $0 0.00%
    Cash Out Refi 18 $1,900,000 $105,556 $0 0.00%
    Home Improvement 14 $860,000 $61,429 $0 0.00%
    Other 5 $345,000 $69,000 $0 0.00%
    Refi 5 $425,000 $85,000 $0 0.00%

    For 2024, Exchange Bank & Trust's most frequently cited loan purpose was Home Purchase, with 57 originations. The 2nd most popular reason was Cash Out Refi, with 18 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 99 $29,755,000 $300,556 $0 0.00%

    For 2024, Exchange Bank & Trust's most frequently cited loan duration was Other, with 99 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 41 $2,055,000 $50,122 $0 0.00%
    $200k-400k 22 $5,910,000 $268,636 $0 0.00%
    $100k-200k 20 $2,740,000 $137,000 $0 0.00%
    $1MM+ 7 $14,155,000 $2,022,143 $0 0.00%
    $400k-600k 6 $2,700,000 $450,000 $0 0.00%
    $600k-1MM 3 $2,195,000 $731,667 $0 0.00%

    2024 saw Exchange Bank & Trust place emphasis on $100,000 or less loans with 41 originations, totaling $2,055,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 23 $3,345,000 $145,435 $0 0.00%
    $150k-250k 22 $5,010,000 $227,727 $0 0.00%
    $75k-100k 12 $1,080,000 $90,000 $0 0.00%
    $250k+ 9 $3,915,000 $435,000 $0 0.00%
    $50k or less 6 $260,000 $43,333 $0 0.00%
    $50k-75k 5 $675,000 $135,000 $0 0.00%

    Exchange Bank & Trust lent most frequently to those with incomes in the $100k-150k range, with 23 originations. The second most popular income band? $150k-250k, with 22 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 99 $29,755,000 $300,556 $0 0.00%

    Exchange Bank & Trust lent most frequently to those with DTI ratios of Exempt%, with 99 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 22 $15,470,000 $703,182 $0 0.00%
    White 71 $13,805,000 $194,437 $0 0.00%
    American Indian 1 $205,000 $205,000 $0 0.00%
    Black 1 $125,000 $125,000 $0 0.00%
    Not provided 3 $115,000 $38,333 $0 0.00%
    Asian 1 $35,000 $35,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    87.50%

    Exchange Bank & Trust has an average approval rate.

    Pick Rate

    Approvals leading to origination
    79.80%

    Exchange Bank & Trust has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 99 $29,755,000 $300,556

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    99 $29,755,000 $300,556