Equity Bank Mortgage Lending & HMDA Data, 2009
In 2009, Equity Bank of Wichita, KS reported 792 mortgage applications totaling $122.0 million, down 48% from 2008. The average application was for $154,040, and applicants reported an average income of $81,458. 39% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Wichita, KS (372), Oklahoma City, OK (127) and Kansas City, MO-KS (50) (applications in parentheses).
| Mortgage Company & Address | Equity Bank 7701 E Kellogg Ste 200 Wichita, KS 67207 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2011 2010 2009 2008 2007 2006 2005 |
| Total Number of Mortgage Applications | 792 |
| Total Mortgage Loan Application Amount | $122,000,000 |
| Average Mortgage Loan Application Amount | $154,040 |
| Highest Mortgage Loan Application Amount | $900,000 |
| Average Applicant Income | $81,458 |
| Highest Applicant Income | $2,122,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Equity Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Wichita, KS | 372 | $ 50,468,000 | $ 135,666 | $ 81,000 |
| Oklahoma City, OK | 127 | $ 19,520,000 | $ 153,700 | $ 72,000 |
| Kansas City, MO-KS | 50 | $ 8,464,000 | $ 169,280 | $ 79,080 |
| Atlanta-Sandy Springs-Marietta, GA | 10 | $ 2,194,000 | $ 219,400 | $ 109,000 |
| Chicago-Naperville-Joliet, IL | 8 | $ 1,988,000 | $ 248,500 | $ 115,000 |
| Lawton, OK | 8 | $ 1,110,000 | $ 138,750 | $ 73,000 |
| Houston-Sugar Land-Baytown, TX | 6 | $ 671,000 | $ 111,833 | $ 50,000 |
| Las Vegas-Paradise, NV | 5 | $ 1,008,000 | $ 201,600 | $ 115,000 |
| New York-White Plains-Wayne, NY-NJ | 5 | $ 2,306,000 | $ 461,200 | $ 103,400 |
| Denver-Aurora-Broomfield, CO | 4 | $ 808,000 | $ 202,000 | $ 77,000 |
| Philadelphia, PA | 4 | $ 877,000 | $ 219,250 | $ 156,000 |
| Baltimore-Towson, MD | 3 | $ 662,000 | $ 220,666 | $ 67,000 |
| Bethesda-Frederick-Rockville, MD | 3 | $ 851,000 | $ 283,666 | $ 97,000 |
| Boston-Quincy, MA | 3 | $ 727,000 | $ 242,333 | $ 83,000 |
| Camden, NJ | 3 | $ 541,000 | $ 180,333 | $ 82,000 |
| Dallas-Plano-Irving, TX | 3 | $ 622,000 | $ 207,333 | $ 67,000 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 874,000 | $ 291,333 | $ 222,000 |
| Tulsa, OK | 3 | $ 420,000 | $ 140,000 | $ 100,000 |
| Worcester, MA | 3 | $ 668,000 | $ 222,666 | $ 191,000 |
| Albany-Schenectady-Troy, NY | 2 | $ 409,000 | $ 204,500 | $ 107,000 |
| Bellingham, WA | 2 | $ 470,000 | $ 235,000 | $ 139,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 576,000 | $ 288,000 | $ 69,000 |
| Edison-New Brunswick, NJ | 2 | $ 611,000 | $ 305,500 | $ 151,000 |
| Harrisonburg, VA | 2 | $ 505,000 | $ 252,500 | $ 113,000 |
| Kalamazoo-Portage, MI | 2 | $ 237,000 | $ 118,500 | $ 52,000 |
| Lawrence, KS | 2 | $ 245,000 | $ 122,500 | $ 126,000 |
| New Orleans-Metairie-Kenner, LA | 2 | $ 371,000 | $ 185,500 | $ 103,000 |
| Oakland-Fremont-Hayward, CA | 2 | $ 395,000 | $ 197,500 | $ 61,000 |
| Orlando-Kissimmee, FL | 2 | $ 286,000 | $ 143,000 | $ 58,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 536,000 | $ 268,000 | $ 63,000 |
| Portland-South Portland-Biddeford, ME | 2 | $ 577,000 | $ 288,500 | $ 69,000 |
| Portland-Vancouver-Beaverton, OR-WA | 2 | $ 415,000 | $ 207,500 | $ 73,000 |
| Providence-New Bedford-Fall River, RI-MA | 2 | $ 377,000 | $ 188,500 | $ 87,000 |
| Rockingham County-Strafford County, NH | 2 | $ 657,000 | $ 328,500 | $ 267,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 2 | $ 490,000 | $ 245,000 | $ 184,000 |
| Santa Ana-Anaheim-Irvine, CA | 2 | $ 695,000 | $ 347,500 | $ 113,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 534,000 | $ 267,000 | $ 113,000 |
| Springfield, MO | 2 | $ 347,000 | $ 173,500 | $ 66,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 350,000 | $ 175,000 | $ 69,000 |
| Altoona, PA | 1 | $ 131,000 | $ 131,000 | $ 65,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 64,000 | $ 64,000 | $ 114,000 |
| Colorado Springs, CO | 1 | $ 75,000 | $ 75,000 | $ 37,000 |
| Columbia, MO | 1 | $ 123,000 | $ 123,000 | $ 35,000 |
| Corpus Christi, TX | 1 | $ 99,000 | $ 99,000 | $ 48,000 |
| Dayton, OH | 1 | $ 137,000 | $ 137,000 | $ 69,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 95,000 | $ 95,000 | $ 70,000 |
| Duluth, MN-WI | 1 | $ 152,000 | $ 152,000 | $ 127,000 |
| Fargo, ND-MN | 1 | $ 123,000 | $ 123,000 | $ 52,000 |
| Fort Worth-Arlington, TX | 1 | $ 89,000 | $ 89,000 | $ 55,000 |
| Greeley, CO | 1 | $ 130,000 | $ 130,000 | $ 31,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 79,000 | $ 79,000 | $ 32,000 |
| Honolulu, HI | 1 | $ 626,000 | $ 626,000 | $ 202,000 |
| Jackson, MS | 1 | $ 68,000 | $ 68,000 | $ 34,000 |
| La Crosse, WI-MN | 1 | $ 204,000 | $ 204,000 | $ 57,000 |
| Lincoln, NE | 1 | $ 143,000 | $ 143,000 | $ 59,000 |
| Longview, WA | 1 | $ 101,000 | $ 101,000 | $ 12,000 |
| Lubbock, TX | 1 | $ 113,000 | $ 113,000 | $ 46,000 |
| Mankato-North Mankato, MN | 1 | $ 132,000 | $ 132,000 | $ 28,000 |
| Medford, OR | 1 | $ 204,000 | $ 204,000 | $ 32,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 108,000 | $ 108,000 | $ 120,000 |
| Naples-Marco Island, FL | 1 | $ 291,000 | $ 291,000 | $ 53,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 216,000 | $ 216,000 | $ 83,000 |
| Nassau-Suffolk, NY | 1 | $ 302,000 | $ 302,000 | $ 79,000 |
| Newark-Union, NJ-PA | 1 | $ 417,000 | $ 417,000 | $ 150,000 |
| Norwich-New London, CT | 1 | $ 231,000 | $ 231,000 | $ 86,000 |
| Ocean City, NJ | 1 | $ 198,000 | $ 198,000 | $ 57,000 |
| Olympia, WA | 1 | $ 246,000 | $ 246,000 | $ 52,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 65,000 | $ 65,000 | $ 31,000 |
| Pascagoula, MS | 1 | $ 81,000 | $ 81,000 | $ 70,000 |
| Peabody, MA | 1 | $ 395,000 | $ 395,000 | $ 107,000 |
| Peoria, IL | 1 | $ 190,000 | $ 190,000 | $ 60,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 187,000 | $ 187,000 | $ 81,000 |
| Port St. Lucie, FL | 1 | $ 60,000 | $ 60,000 | $ 103,000 |
| Provo-Orem, UT | 1 | $ 1,000 | $ 1,000 | $ 0 |
| Raleigh-Cary, NC | 1 | $ 124,000 | $ 124,000 | $ 67,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 229,000 | $ 229,000 | $ 172,000 |
| Roanoke, VA | 1 | $ 175,000 | $ 175,000 | $ 37,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 124,000 | $ 124,000 | $ 117,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 482,000 | $ 482,000 | $ 280,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 129,000 | $ 129,000 | $ 32,000 |
| York-Hanover, PA | 1 | $ 132,000 | $ 132,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Equity Bank in 2009
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 396 | $70,821,000 | $178,000 | $900,000 | $100,000 | $2,122,000 |
| Home Purchase | 385 | $49,581,000 | $128,000 | $813,000 | $62,000 | $356,000 |
| Home Improvement | 11 | $1,598,000 | $145,000 | $372,000 | $95,000 | $219,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 610 | $96,375,000 | $157,000 | $900,000 | $87,000 | $2,122,000 |
| Not Provided | 89 | $12,577,000 | $141,000 | $626,000 | $60,000 | $538,000 |
| Hispanic | 38 | $5,157,000 | $135,000 | $539,000 | $62,000 | $340,000 |
| Black or African American | 24 | $3,756,000 | $156,000 | $366,000 | $72,000 | $160,000 |
| Asian | 21 | $3,265,000 | $155,000 | $432,000 | $71,000 | $201,000 |
| American Indian or Alaskan Native | 4 | $327,000 | $81,000 | $143,000 | $37,000 | $59,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $387,000 | $129,000 | $197,000 | $70,000 | $113,000 |
| Not applicable | 3 | $156,000 | $52,000 | $61,000 | $68,000 | $205,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 527 | $87,785,000 | $166,000 | $900,000 | $97,000 | $2,122,000 |
| FHA-insured (Federal Housing Administration) | 214 | $27,540,000 | $128,000 | $813,000 | $50,000 | $182,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 31 | $3,483,000 | $112,000 | $194,000 | $45,000 | $83,000 |
| VA-guaranteed (Veterans Administration) | 20 | $3,192,000 | $159,000 | $438,000 | $62,000 | $185,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 341 | $52,719,000 | $154,000 | $900,000 | $73,000 | $567,000 |
| Loan Originated | 311 | $49,522,000 | $159,000 | $539,000 | $99,000 | $2,122,000 |
| Application Denied By Financial Institution | 69 | $10,308,000 | $149,000 | $626,000 | $73,000 | $452,000 |
| Loan Purchased By The Institution | 49 | $6,299,000 | $128,000 | $313,000 | $58,000 | $113,000 |
| Application Approved But Not Accepted | 22 | $3,152,000 | $143,000 | $415,000 | $61,000 | $145,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 26 | $2,651,000 | $101,000 | $275,000 | $40,000 | $85,000 |
| Collateral | 17 | $2,907,000 | $171,000 | $400,000 | $86,000 | $167,000 |
| Debt-To-Income Ratio | 11 | $1,766,000 | $160,000 | $410,000 | $63,000 | $170,000 |
| Other | 6 | $1,476,000 | $246,000 | $380,000 | $189,000 | $452,000 |
| Employment History | 4 | $427,000 | $106,000 | $136,000 | $46,000 | $72,000 |
| Unverifiable Information | 3 | $906,000 | $302,000 | $626,000 | $127,000 | $202,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $71,000 | $71,000 | $71,000 | $46,000 | $46,000 |
| Mortgage Insurance Denied | 1 | $104,000 | $104,000 | $104,000 | $90,000 | $90,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Equity Bank's 2009 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Equity Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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