Name of the lender

Exchange Bank & Trust in KansasMortgage rates, total loan costs and denial rate for homes in Kansas, 2025

HMDA year2025

Head office: Atchison, KS
Reporting agency: Federal Deposit Insurance Corporation (FDIC)
Legal Entity Identifier (LEI)

Exchange Bank & Trust reported 114 applications for homes in Kansas in the HMDA data of 2025.

It originated 95 loans in the state in 2025, for $24.7 million in total.

The lender filed the interest rate as “Exempt” for all of its 95 loans originated in the state in 2025. This page shows no median interest rate.

This page shows no median total loan costs for Kansas, because fewer than 20 loans report the amount.

It denied 8.8% of the applications that it decided in the state in 2025, and the state denial rate was 18.3%.

Filed figures of Exchange Bank & Trust in Kansas, 2025
Figure	In KS	Lender, all states	KS, all lenders
Applications	114	143	94,814
Loans originated	95	115	60,511
Median interest rate	n/a	n/a	6.500%
Median total loan costs	n/a	n/a	$3,885
Denial rate	8.8%	10.7%	18.3%

HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

PricingMedians of 2025 loans in KS

Median interest rate in KSExempt

The lender filed the interest rate as “Exempt” for all of its 95 loans originated in 2025.

A lender with a partial exemption can file “Exempt” in place of the interest rate, the total loan costs and some other fields. The glossary has the rule.

If a financial institution is eligible for a partial exemption for a specific transaction, then the financial institution is not required to collect, record, or report certain data points for the transaction.
Source: CFPB, A Beginner’s Guide to Accessing and Using Home Mortgage Disclosure Act Data (June 2022), copied on 2 Oct 2026.

Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians. A median needs 20 loans.

Action taken and loan types

Records in Kansas by the action taken
Action taken	Records	Share
1Loan originated	95	83.3%
2Application approved but not accepted	8	7.0%
3Application denied	10	8.8%
4Application withdrawn by applicant	1	0.9%
5File closed for incompleteness	0	0.0%
6Purchased loan	0	0.0%
7Preapproval request denied	0	0.0%
8Preapproval request approved but not accepted	0	0.0%

Applications in Kansas by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	114	95	8.8%

Counties in Kansas

Counties of Exchange Bank & Trust in Kansas with 25 applications or more, 2025In order of the names.
County	Applications	Loans originated	Amount	Denial rate
Atchison County	59	47	$7.3 million	8.5%
Leavenworth County	29	27	$12.8 million	3.4%

Figures by year

Exchange Bank & Trust in Kansas by HMDA year"n/a" shows a year with fewer than 25 applications in the state.
Year	Applications	Loans originated	Amount	Median interest rate	Median total loan costs	Denial rate
2025	114	95	$24.7 million	n/a	n/a	8.8%
2024	100	73	$15.3 million	n/a	n/a	14.7%
2023	74	61	$11.1 million	n/a	n/a	13.9%
2022	90	73	$18.6 million	n/a	n/a	17.8%

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender in this state, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.
BankFind Suite (Federal Deposit Insurance Corporation)The FDIC search for an insured bank: its status, its offices and its regulator.

Cite this page

Page: Lender Register, "Exchange Bank & Trust in Kansas: mortgage rates, 2025", https://lenderregister.com/lender/2549006u8sxath10wi14-exchange-bank-trust/ks/
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. They are the records of this LEI for homes in Kansas. This site withholds a figure with fewer than 25 applications. Method of the figures. Terms. Report an error.

Questions

What share of the loans of Exchange Bank & Trust were in Kansas in 2025?: 95 of its loans originated, out of 115 in all states. That is 82.6%.
In which counties of Kansas did Exchange Bank & Trust originate the most loans in 2025?: The three with the most loans were Atchison County (47) and Leavenworth County (27).
Which loan types did Exchange Bank & Trust originate in Kansas in 2025?: All its loans in the state were of one type: 95 conventional.
How did the applications of Exchange Bank & Trust in Kansas change from 2022 to 2025?: It reported 90 applications in 2022 and 114 in 2025.