Equity Bank
Wichita, KS
Equity Bank processed 1,564 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 1,073 loans with a 16.9% denial rate. Home Purchase was the primary loan purpose. Based in Wichita, KS. The approval rate of 68.6% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.
Portfolio scale. Equity Bank processed 1,564 HMDA-reported mortgage applications in 2024, originating 1,073 loans and denying 265 for a denial rate of 16.9% (applicants themselves withdrew 141 files before a decision). The average loan amount was $162,334 at a 7.337% average note rate, and applicants self-reported an average income of $35,000. The lender reports under LEI 549300TJF420N3F01V87 from Wichita, KS.
Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Equity Bank's 68.6% origination rate tells you how often an application turned into funded money; the 16.9% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Credit history, Debt-to-income ratio, Collateral, which together explain the majority of rejections. Most activity concentrated in Conventional loans (1,507 applications).
How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.
Lending Activity
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| Conventional | 1,507 | 1,035 | 261 | $160,753 |
| FHA | 36 | 23 | 2 | $200,278 |
| USDA | 19 | 15 | 2 | $179,737 |
| VA | 2 | 0 | 0 | $505,000 |
Top loan types — Equity Bank
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for Equity Bank (LEI: 549300TJF420N3F01V87) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Denial Analysis
Loan Purpose Breakdown
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Home Purchase | 495 | 381 | $219,364 |
| Refinancing | 449 | 389 | $215,757 |
| Home Improvement | 405 | 220 | $81,099 |
| Other | 167 | 64 | $55,958 |
| Cash-out Refinancing | 48 | 19 | $130,000 |
Geographic Coverage — Lending by Race
Derived race categories as reported under HMDA. Source: CFPB.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 1,184 | 65.7% | 18.8% |
| Joint | 22 | 40.9% | 27.3% |
| Black or African American | 21 | 42.9% | 28.6% |
| American Indian or Alaska Native | 18 | 44.4% | 27.8% |
| Asian | 16 | 43.8% | 31.3% |
| Native Hawaiian or Other Pacific Islander | 2 | 50.0% | 0.0% |
| 2 or more minority races | 1 | 0.0% | 100.0% |
Lending by Ethnicity
Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.
| Ethnicity | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| Not Hispanic or Latino | 1,053 | 62.2% | 20.3% |
| Hispanic or Latino | 194 | 72.2% | 15.5% |
| Joint | 24 | 62.5% | 20.8% |
Nearby Lenders in KS
Other HMDA-reporting lenders in KS with similar activity. Compare any two side-by-side.
COMMUNITYAMERICA CREDIT UNION
LENEXA, KS
LEADERONE FINANCIAL CORP.
OVERLAND PARK, KS
FARMERS BANK & TRUST
GREAT BEND, KS
Capitol Federal Savings Bank
Lawrence, KS
Armed Forces Bank, N.A.
Leavenworth, KS
Mortgage Lending Guides
Frequently Asked Questions
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Data Sources
Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.
Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.
Read our methodology — how this data is sourced, computed, and verified.