Exchange Bank has 261 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Strong
4/5
Conventional · VA
Place
Strong
4/5
Multi-Region · 3 mkts
Awards
VA
Champion
Conventional
Superstar
Purchase
Superstar
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
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Report Card
Exchange Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 17.2 bps below market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 4 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 174 | 66.7% | +0.023%Above | $976Fees | ||||
VA Loans | 86 | 33.0% | -0.634%Below | $1,482Fees |
Conventional
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume174
Mix66.7%
Spread
+0.023%Above
Fees
$976Fees
VA Loans
OverallExceptional
ProductStrong
PricingExceptional
Pull ThroughExceptional
Volume86
Mix33.0%
Spread
-0.634%Below
Fees
$1,482Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 236 | 90.4% | -0.200%Below | $1,150Fees | ||||
Refinance | — | 25 | 9.6% | +0.107%Above | $891Fees |
Purchase
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughExceptional
Volume236
Mix90.4%
Spread
-0.200%Below
Fees
$1,150Fees
Refinance
OverallSound
ProductAcceptable
Pricing—
Pull ThroughStrong
Volume25
Mix9.6%
Spread
+0.107%Above
Fees
$891Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
261
Applications
310
Volume
$57 million
Pricing & Closing
Avg Rate Spread
-0.172%
vs. market APOR
Avg Net Fees
$1,126
Origination − Credits
Pullthrough Rate
84.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$222,165
Avg Borrower Income
$118,425
Avg Property Value
$276,992
Geographic Coverage
Geographic Performance
Metro Areas
3
markets with activity
States Served
8
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
8Midwest3
IAKSNE
South1
TX
West4
AKAZCANV
Top Metro Areas by Place Specialization Score
Volume 117Mix 44.83% of portfolio
97/100
Exceptional
Volume 19Mix 7.28% of portfolio
63/100
Strong
Volume 11Mix 4.21% of portfolio
45/100
SoundTop States by Place Specialization Score
1
KansasState
Volume 181Mix 69.35% of portfolio
83/100
Exceptional2
NebraskaState
Volume 73Mix 27.97% of portfolio
67/100
StrongHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.