Modest growth
Its loans rose from 99 to 115, while similar lenders (state non-member banks making between half and twice as many loans) grew 9%. It made 164 loans in 2020 and between 99 and 131 a year since.
Applications / Mortgage Analytics / Lenders / Kansas / Exchange Bank & Trust
Exchange Bank & Trust
Atchison, KS · State non-member bank · FDIC · $631 million assets · 115 loans in 2025
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115
loans originated, 2025
143
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Exchange Bank & Trust, a Kansas bank making small conventional loans, made 115 loans in 2025, 16% more than in 2024.
Smaller loans, some on manufactured homes
Its typical loan was $125,000, against $175,000 at peers, smaller than about four in five similar lenders. Manufactured homes made up 9.6% of its loans, against 3.2% at peers, and home improvement 12.2%. Both may account for its smaller loans.
Near the middle on modest earners
Low- and moderate-income (LMI) borrowers took 24.7% of its loans, against 27.9% at peers, and LMI areas 16.2%, against 18.2%. Both shares were near the middle, and both rose from 14.3% and 4.3% in 2024.
Up in Topeka, down in St. Joseph
It has lent in St. Joseph since at least 1990. It ranked 37 of 186 lenders there with 0.5%, down 0.3 points, a change a few loans can make. In Topeka its share rose 0.1 points to 0.2%. In non-metro Kansas it ranked 57 of 398. It also lends in Kansas City.
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
115 loans in 2025, against a peak of 164 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Exchange Bank & Trust took 143 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
54.8% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 54.8% · Refinance 29.6% · Home improvement 12.2% · Other 3.5%
Conventional 100.0% · of 115 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
2 states, 4 metros, 14 counties
| State | Loans | Share |
|---|---|---|
| Kansas | 95 | 82.6% |
| Missouri | 20 | 17.4% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Kansas City | 38 |
| St. Joseph | 17 |
| Topeka | 8 |
| Wichita | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549006U8SXATH10WI14 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 22459 | 2004–2010 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 144052 | 2011–2023 |
| Respondent ID (the HMDA filer code before 2018) | 1182 | 1990–2015 |
| Respondent ID (the HMDA filer code before 2018) | 34619 | 2016–2017 |
Established 1 January 1856. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Exchange Bank & Trust's data.
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