Exchange Bank & Trust Mortgage Lending & HMDA Data, 2025
In 2025, Exchange Bank & Trust of Atchison, KS reported 143 mortgage applications totaling $34.4 million, up 5% from 2024. The average application was for $240,314, and applicants reported an average income of $142,671. 80% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Kansas City, MO-KS (41), St. Joseph, MO-KS (25) and Topeka, KS (8) (applications in parentheses).
| Mortgage Company & Address | Exchange Bank & Trust Po Box 189 Atchison, KS 66002 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 |
| Total Number of Mortgage Applications | 143 |
| Total Mortgage Loan Application Amount | $34,365,000 |
| Average Mortgage Loan Application Amount | $240,314 |
| Highest Mortgage Loan Application Amount | $4,905,000 |
| Average Applicant Income | $142,671 |
| Highest Applicant Income | $999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Exchange Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 68 | $ 11,390,000 | $ 167,500 | $ 147,647 |
| Kansas City, MO-KS | 41 | $ 17,845,000 | $ 435,243 | $ 151,390 |
| St. Joseph, MO-KS | 25 | $ 3,295,000 | $ 131,800 | $ 118,520 |
| Topeka, KS | 8 | $ 1,590,000 | $ 198,750 | $ 104,000 |
| Wichita, KS | 1 | $ 245,000 | $ 245,000 | $ 270,000 |
Mortgage Loan Application Detail Totals for Exchange Bank & Trust in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 85 | $27,235,000 | $320,000 | $4,905,000 | $149,000 | $999,000 |
| Refinancing | 39 | $5,215,000 | $133,000 | $545,000 | $113,000 | $290,000 |
| Home Improvement | 15 | $1,645,000 | $109,000 | $375,000 | $198,000 | $999,000 |
| Other Purpose | 4 | $270,000 | $67,000 | $115,000 | $90,000 | $121,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 108 | $20,040,000 | $185,000 | $775,000 | $144,000 | $999,000 |
| Not applicable | 28 | $13,350,000 | $476,000 | $4,905,000 | $0 | $0 |
| Not Provided | 2 | $510,000 | $255,000 | $405,000 | $221,000 | $243,000 |
| Black or African American | 2 | $110,000 | $55,000 | $65,000 | $84,000 | $111,000 |
| Hispanic | 2 | $180,000 | $90,000 | $105,000 | $64,000 | $89,000 |
| American Indian or Alaskan Native | 1 | $175,000 | $175,000 | $175,000 | $105,000 | $105,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 143 | $34,365,000 | $240,000 | $4,905,000 | $143,000 | $999,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 115 | $29,915,000 | $260,000 | $4,905,000 | $159,000 | $999,000 |
| Application Denied By Financial Institution | 15 | $1,895,000 | $126,000 | $325,000 | $79,000 | $264,000 |
| Application Approved But Not Accepted | 10 | $2,140,000 | $214,000 | $435,000 | $113,000 | $207,000 |
| Application Withdrawn By Applicant | 2 | $290,000 | $145,000 | $205,000 | $78,000 | $80,000 |
| File Closed For Incompleteness | 1 | $125,000 | $125,000 | $125,000 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 143 | $34,365,000 | $240,000 | $4,905,000 | $143,000 | $999,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Exchange Bank & Trust's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Exchange Bank & Trust's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Kansas, download the full spreadsheet
with aggregated HMDA statistics today.
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