Applications / Mortgage Analytics / Lenders / California / Exchange Bank
Santa Rosa, CA · State non-member bank · FDIC · $3.3 billion assets · 35 loans in 2025
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35
loans originated, 2025
67
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Exchange Bank, a Santa Rosa bank with $3.3 billion in assets, has cut its home lending sharply: it made 35 loans in 2025, against 182 in 2022.
The bank made between 182 and 194 home loans a year from 2019 to 2022. Then it made 83 in 2023 and 30 in 2024. A small rise to 35 in 2025, up 17%, left it below the 45 loans of the typical similar lender (state non-member banks making between half and twice as many loans). Its filings do not say why lending fell so far; the bank may have chosen to make fewer home loans, or demand from its customers may have dropped.
Santa Rosa-Petaluma is its home market, where it has reported since 1990. It ranks 54 of 330 lenders there, and its share rose from 0.2% to 0.4%. United Wholesale Mortgage and Redwood Credit Union lead the market. It also lends in eight other California metros, from San Francisco-Oakland-Fremont to Redding.
Large loans have long been part of its business. In 2020, when it made 188 loans, 21.5% were jumbo (larger than the conforming limit). In 2025 the share was 20.0%, against 1.9% at the typical similar lender, though on only 35 loans.
All its loans are conventional, with no government-backed lending and no manufactured homes. Purchases made up 57.1% of its loans and refinances 40.0%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 67 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 57.1% · Refinance 40.0% · Home improvement 2.9%
Conventional 100.0% · of 35 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 |
|---|---|---|
| California | 35 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Santa Rosa-Petaluma | 15 |
| Oakland-Fremont-Berkeley | 8 |
| Redding | 3 |
| San Francisco-San Mateo-Redwood City | 2 |
| Vallejo | 2 |
| Chico | 1 |
| Merced | 1 |
| Modesto | 1 |
| Sacramento-Roseville-Folsom | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006Y2YCT81BVTL57 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 507068 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 38468 | 1990–2017 |
Established 1 May 1890. Reported under HMDA 1990-2025.
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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