Exchange Bank & Trust Mortgage Lending & HMDA Data, 2024
In 2024, Exchange Bank & Trust of Atchison, KS reported 136 mortgage applications totaling $33.8 million, up 3% from 2023. The average application was for $248,750, and applicants reported an average income of $153,227. 73% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Kansas City, MO-KS (39), St. Joseph, MO-KS (31) and Topeka, KS (10) (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 | 136 |
| Total Mortgage Loan Application Amount | $33,830,000 |
| Average Mortgage Loan Application Amount | $248,750 |
| Highest Mortgage Loan Application Amount | $3,485,000 |
| Average Applicant Income | $153,227 |
| Highest Applicant Income | $2,938,000 |
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(HMDA) records Exchange Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 54 | $ 6,980,000 | $ 129,259 | $ 98,574 |
| Kansas City, MO-KS | 39 | $ 20,325,000 | $ 521,153 | $ 332,769 |
| St. Joseph, MO-KS | 31 | $ 4,985,000 | $ 160,806 | $ 144,419 |
| Topeka, KS | 10 | $ 1,390,000 | $ 139,000 | $ 142,000 |
| Manhattan, KS | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 105,000 | $ 105,000 | $ 192,000 |
Mortgage Loan Application Detail Totals for Exchange Bank & Trust in 2024
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 | 87 | $29,515,000 | $339,000 | $3,485,000 | $169,000 | $2,938,000 |
| Cash-out Refinancing | 20 | $2,290,000 | $114,000 | $375,000 | $120,000 | $222,000 |
| Home Improvement | 14 | $860,000 | $61,000 | $255,000 | $136,000 | $320,000 |
| Other Purpose | 8 | $600,000 | $75,000 | $175,000 | $131,000 | $287,000 |
| Refinancing | 7 | $565,000 | $80,000 | $125,000 | $112,000 | $198,000 |
| 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 | 101 | $17,235,000 | $170,000 | $855,000 | $161,000 | $2,938,000 |
| Not applicable | 22 | $15,470,000 | $703,000 | $3,485,000 | $0 | $0 |
| Not Provided | 4 | $180,000 | $45,000 | $65,000 | $97,000 | $135,000 |
| Black or African American | 3 | $215,000 | $71,000 | $125,000 | $58,000 | $108,000 |
| Hispanic | 3 | $445,000 | $148,000 | $175,000 | $130,000 | $287,000 |
| American Indian or Alaskan Native | 2 | $250,000 | $125,000 | $205,000 | $100,000 | $174,000 |
| Asian | 1 | $35,000 | $35,000 | $35,000 | $28,000 | $28,000 |
| 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) | 136 | $33,830,000 | $248,000 | $3,485,000 | $153,000 | $2,938,000 |
| 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 | 99 | $29,755,000 | $300,000 | $3,485,000 | $194,000 | $2,938,000 |
| Application Denied By Financial Institution | 17 | $1,435,000 | $84,000 | $305,000 | $52,000 | $115,000 |
| Application Withdrawn By Applicant | 10 | $1,090,000 | $109,000 | $175,000 | $76,000 | $192,000 |
| Application Approved But Not Accepted | 10 | $1,550,000 | $155,000 | $685,000 | $93,000 | $180,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $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 | 136 | $33,830,000 | $248,000 | $3,485,000 | $153,000 | $2,938,000 |
| 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 2024 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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