Applications / Mortgage Analytics / Lenders / California / Exchange Bank / Competition
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
Who Exchange Bank competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — SAN FRANCISCO-OAKLAND-FREMONT, CA, 2025
Exchange Bank ranks 208th of 606 lenders in San Francisco-Oakland-Fremont, CA, with $20.8M lent: 0.0% of a $52.26B market.
San Francisco-Oakland-Fremont, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Exchange Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 48% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — SANTA ROSA-PETALUMA, CA, 2025
Exchange Bank ranks 54th of 330 lenders in Santa Rosa-Petaluma, CA, with $15.5M lent: 0.4% of a $4.19B market.
Santa Rosa-Petaluma, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Exchange Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 44% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — VALLEJO, CA, 2025
Exchange Bank ranks 108th of 363 lenders in Vallejo, CA, with $4.6M lent: 0.1% of a $3.45B market.
Vallejo, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Exchange Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 45% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — SACRAMENTO-ROSEVILLE-FOLSOM, CA, 2025
Exchange Bank ranks 321st of 574 lenders in Sacramento-Roseville-Folsom, CA, with $3.3M lent: 0.0% of a $20.30B market.
Sacramento-Roseville-Folsom, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Exchange Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 43% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — REDDING, CA, 2025
Exchange Bank ranks 65th of 249 lenders in Redding, CA, with $1.8M lent: 0.2% of a $919.8M market.
Redding, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Exchange Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 50% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — MERCED, CA, 2025
Exchange Bank ranks 113th of 260 lenders in Merced, CA, with $1.2M lent: 0.1% of a $1.06B market.
Merced, CA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Exchange Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 50% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — MODESTO, CA, 2025
Exchange Bank ranks 220th of 323 lenders in Modesto, CA, with $655K lent: 0.0% of a $2.55B market.
Modesto, CA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Exchange Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 47% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — CHICO, CA, 2025
Exchange Bank ranks 138th of 255 lenders in Chico, CA, with $605K lent: 0.1% of a $1.11B market.
Chico, CA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Exchange Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 49% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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