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Exchange Bank
Bank|Kearney, NE|Multi-Region
Loans Originated
261
Applications
310
Volume
$57 million
Offers loans directly to consumers
Overall Pricing
Exceptional
Overall Pull Through
Exceptional
Safe Rate Awards💎VA Champion💎Purchase Champion⭐Conventional Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.172%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,126
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
84.2%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 17.20 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and VA loans
Report Card
Exchange Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Strong | Multi-Regional · 4 metro areas · 8 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$222,165
Average Borrower Income
$118,425
Average Property Value
$276,992
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Exceptional | Strong | 174 | 66.7% | +0.023% | $976 |
VA Loans | Exceptional | Strong | Exceptional | Exceptional | 86 | 33.0% | -0.634% | $1,482 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Exceptional | Strong | Exceptional | Exceptional | 236 | 90.4% | -0.200% | $1,150 |
Refinance | Sound | Acceptable | N/A | Strong | 25 | 9.6% | +0.107% | $891 |
Geographic Coverage
Metro Areas
3
States Served
8
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
AKAZCAIAKSNENVTX
Top Metro Areas by Place Specialization Score
1
Manhattan, KS, KSMSA
Volume: 117Mix: 44.83%
Place Specialization
Exceptional
2
Grand Island, NE, NEMSA
Volume: 19Mix: 7.28%
Place Specialization
Strong
3
Lincoln, NE, NEMSA
Volume: 11Mix: 4.21%
Place Specialization
Sound
Top States by Place Specialization Score
1
KSState
Volume: 181Mix: 69.35%
Place Specialization
Exceptional
2
NEState
Volume: 73Mix: 27.97%
Place Specialization
Strong
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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