National Exchange Bank and Trust mortgage approval rate & lending review
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.
These are the decisions National Exchange Bank and Trust reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
National Exchange Bank and Trust at a glance
Approval is 13.6 points above the 77.7% national rate for the same mix of loan types.
Approval rates 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 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where National Exchange Bank and Trust lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Fond du Lac County, WI | Mortgage lenders | 94% | 375 | 328 |
| Fond du Lac County, WI | Cash-out refinance | 89% | 269 | 228 |
| Fond du Lac County, WI | Home improvement loans | 95% | 166 | 149 |
| Fond du Lac County, WI | Refinance | 89% | 155 | 120 |
| Waukesha County, WI | Mortgage lenders | 100% | 63 | 57 |
| Sheboygan County, WI | Mortgage lenders | 84% | 70 | 56 |
| Washington County, WI | Mortgage lenders | 97% | 63 | 56 |
| Fond du Lac County, WI | Investment property purchase | 98% | 53 | 52 |
| Sheboygan County, WI | Cash-out refinance | 81% | 52 | 41 |
| Winnebago County, WI | Mortgage lenders | 85% | 47 | 37 |
| Sheboygan County, WI | Home improvement loans | 90% | 39 | 34 |
| Sheboygan County, WI | Refinance | 95% | 38 | 32 |
The county markets where National Exchange Bank and Trust made the most loans. Each link opens that market with every lender ranked.
Questions about National Exchange Bank and Trust
What is National Exchange Bank and Trust's mortgage approval rate?
National Exchange Bank and Trust approved 91.2% of the 1,793 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.6 points above the 77.7% national rate for the same mix of loan types.
How often do borrowers take the loan National Exchange Bank and Trust offers?
Borrowers accepted 93% of the loans National Exchange Bank and Trust approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does National Exchange Bank and Trust make?
The typical home purchase mortgage loan National Exchange Bank and Trust made was $205K; across all loan types its typical loan ran from $55K to $205K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does National Exchange Bank and Trust lend?
National Exchange Bank and Trust decided applications in 10 of the states Fat Boy Data covers, most of them in Wisconsin, Florida and Illinois.
Can I apply to National Exchange Bank and Trust directly?
Yes. National Exchange Bank and Trust is a bank or credit union with 33 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show National Exchange Bank and Trust's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how National Exchange Bank and Trust treats applications, then get a rate quote from the lender.