Applications / Mortgage Analytics / Lenders / Nebraska / Exchange Bank
Kearney, NE · State non-member bank · FDIC · $1.6 billion assets · 561 loans in 2025
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561
loans originated, 2025
651
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Exchange Bank is a Nebraska purchase lender that ranks 2 of 112 in Grand Island and lends to low- and moderate-income (LMI) borrowers more than nearly all similar banks.
It ranks 2 of 112 lenders in Grand Island, behind Pinnacle Bank, with 8.4% of the dollars against 9.1% a year earlier. In Manhattan, KS it ranks 9 of 209, with 3.4% against 4.9%. Faster growth by competitors, or a few loans in markets this size, could explain such moves.
Purchases were 68.1% of its loans. 13.7% were guaranteed by the Department of Veterans Affairs (VA), more than at nearly all similar lenders (state non-member banks making between half and twice as many loans), where the typical peer had none. It reported no loans insured by the Federal Housing Administration.
42.6% of its loans went to LMI borrowers, against 27.2% for peers, and 29.3% were in LMI tracts, against 15.7%; both are higher than at more than nine in ten peers. 23.5% were in majority-minority tracts, against 7.8%, more than at four in five.
Originations rose 7% to 561, against 9% for the typical peer and 10% for the whole market. Its purchase denial rate, 4.5%, was near the 5.2% of peers.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Exchange Bank took 651 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 68.1% · Refinance 27.6% · Home improvement 3.0% · Other 1.2%
Conventional 86.3% · VA 13.7% · of 561 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Nebraska | 226 | 40.3% |
| Kansas | 105 | 18.7% |
| Iowa | 5 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Grand Island | 122 |
| Manhattan | 105 |
| Omaha | 62 |
| Lincoln | 47 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549004ZRHLORHQ9LT73 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 492650 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 31435 | 2014–2017 |
Established 9 April 1917. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: Exchange Bank's data.
Exchange Bank's data
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Exchange Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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