Lender profile · HMDA 2023–2025
National Exchange Bank and Trust mortgage approval rates & lending data
National Exchange Bank and Trust decided 1,793 mortgage applications and funded 1,522 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 92% | 656 / 712 | 93% | $205K | 608 |
| Home improvement loans | 92% | 222 / 240 | 95% | $55K | 211 |
| Cash-out refinance | 88% | 345 / 392 | 94% | $75K | 324 |
| Refinance | 88% | 211 / 239 | 87% | $105K | 183 |
| Investment property purchase | 97% | 126 / 130 | 98% | $135K | 124 |
| Investment cash-out refinance | 91% | 32 / 35 | 100% | $105K | 32 |
National Exchange Bank and Trust lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Wisconsin | 91% | $105K | 1,767 | 1,504 |
| Florida | 91% | $155K | 11 | 10 |
| Illinois | 25% | $335K | 4 | 1 |
| Georgia | 100% | $605K | 3 | 1 |
| Arizona | 100% | $615K | 2 | 2 |
| South Carolina | 100% | $175K | 2 | 1 |
| California | 100% | $805K | 1 | 1 |
| Indiana | 0% | — | 1 | 0 |
| Nevada | 100% | $355K | 1 | 1 |
| Tennessee | 100% | $455K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.