Equity Bank Mortgage Lending & HMDA Data, 2022

In 2022, Equity Bank of Wichita, KS reported 1,890 mortgage applications totaling $326.2 million, down 13% from 2021. The average application was for $172,613, and applicants reported an average income of $122,576. 74% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Kansas City, MO-KS (264), Wichita, KS (140) and Tulsa, OK (89) (applications in parentheses).

Mortgage Company & Address Equity Bank
7701 E Kellogg Ste 100
Wichita, KS 67207
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  
Total Number of Mortgage Applications 1,890
Total Mortgage Loan Application Amount $326,240,000
Average Mortgage Loan Application Amount $172,613
Highest Mortgage Loan Application Amount $12,305,000
Average Applicant Income $122,576
Highest Applicant Income $2,924,000

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Act (HMDA) records Equity Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Equity Bank by County in 2022

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Boone, Arkansas 151 $ 20,925,000 $ 138,576 $ 78,000
Kay, Oklahoma 133 $ 13,415,000 $ 100,864 $ 120,000
Jackson, Missouri 127 $ 33,335,000 $ 262,480 $ 179,000
Texas, Oklahoma 122 $ 10,790,000 $ 88,442 $ 75,000
Carroll, Arkansas 110 $ 18,030,000 $ 163,909 $ 110,000
Sedgwick, Kansas 108 $ 19,970,000 $ 184,907 $ 119,000
Johnson, Missouri 75 $ 12,735,000 $ 169,800 $ 116,000
Henry, Missouri 59 $ 5,695,000 $ 96,525 $ 81,000
Tulsa, Oklahoma 59 $ 23,745,000 $ 402,457 $ 164,000
Benton, Arkansas 57 $ 8,975,000 $ 157,456 $ 112,000
Pettis, Missouri 47 $ 4,315,000 $ 91,808 $ 152,000
Crawford, Kansas 44 $ 7,490,000 $ 170,227 $ 79,000
Johnson, Kansas 43 $ 9,925,000 $ 230,813 $ 195,000
Shawnee, Kansas 40 $ 6,070,000 $ 151,750 $ 71,000
Benton, Missouri 39 $ 5,975,000 $ 153,205 $ 62,000
Montgomery, Kansas 35 $ 1,705,000 $ 48,714 $ 63,000
Butler, Kansas 31 $ 4,665,000 $ 150,483 $ 99,000
Ellis, Kansas 29 $ 4,045,000 $ 139,482 $ 113,000
Seward, Kansas 25 $ 2,405,000 $ 96,200 $ 65,000
Stevens, Kansas 21 $ 1,675,000 $ 79,761 $ 107,000
Clay, Missouri 19 $ 5,305,000 $ 279,210 $ 106,000
Buchanan, Missouri 17 $ 1,555,000 $ 91,470 $ 98,000
Wyandotte, Kansas 16 $ 2,920,000 $ 182,500 $ 64,000
Lafayette, Missouri 16 $ 1,440,000 $ 90,000 $ 105,000
Newton, Arkansas 15 $ 1,605,000 $ 107,000 $ 65,000
Saline, Kansas 15 $ 1,925,000 $ 128,333 $ 76,000
Washington, Oklahoma 15 $ 2,275,000 $ 151,666 $ 290,000
Wilson, Kansas 14 $ 890,000 $ 63,571 $ 60,000
Cass, Missouri 13 $ 1,815,000 $ 139,615 $ 146,000
Platte, Missouri 13 $ 7,765,000 $ 597,307 $ 193,000
Finney, Kansas 12 $ 1,170,000 $ 97,500 $ 82,000
Osage, Oklahoma 12 $ 1,000,000 $ 83,333 $ 112,000
Washita, Oklahoma 12 $ 1,100,000 $ 91,666 $ 89,000
Jefferson, Kansas 10 $ 1,320,000 $ 132,000 $ 95,000
Oklahoma, Oklahoma 10 $ 2,410,000 $ 241,000 $ 193,000
Rogers, Oklahoma 10 $ 2,120,000 $ 212,000 $ 362,000
Gove, Kansas 9 $ 875,000 $ 97,222 $ 112,000
Miami, Kansas 9 $ 1,275,000 $ 141,666 $ 283,000
Norton, Kansas 9 $ 1,275,000 $ 141,666 $ 87,000
Barry, Missouri 9 $ 2,255,000 $ 250,555 $ 93,000
Marion, Arkansas 8 $ 920,000 $ 115,000 $ 78,000
Washington, Arkansas 8 $ 4,780,000 $ 597,500 $ 134,000
Sheridan, Kansas 8 $ 750,000 $ 93,750 $ 218,000
Taney, Missouri 8 $ 1,130,000 $ 141,250 $ 59,000
Beaver, Oklahoma 8 $ 500,000 $ 62,500 $ 100,000
Barton, Kansas 6 $ 440,000 $ 73,333 $ 115,000
Stafford, Kansas 6 $ 210,000 $ 35,000 $ 64,000
Wagoner, Oklahoma 6 $ 660,000 $ 110,000 $ 131,000
Maricopa, Arizona 5 $ 4,605,000 $ 921,000 $ 506,000
Cowley, Kansas 5 $ 265,000 $ 53,000 $ 46,000
Saline, Missouri 5 $ 465,000 $ 93,000 $ 89,000
Stone, Missouri 5 $ 1,105,000 $ 221,000 $ 126,000
Douglas, Kansas 4 $ 1,300,000 $ 325,000 $ 363,000
Leavenworth, Kansas 4 $ 740,000 $ 185,000 $ 0
St. Charles, Missouri 4 $ 820,000 $ 205,000 $ 95,000
Delaware, Oklahoma 4 $ 800,000 $ 200,000 $ 154,000
Greer, Oklahoma 4 $ 590,000 $ 147,500 $ 243,000
Baxter, Arkansas 3 $ 285,000 $ 95,000 $ 48,000
Madison, Arkansas 3 $ 375,000 $ 125,000 $ 165,000
Searcy, Arkansas 3 $ 355,000 $ 118,333 $ 109,000
Chautauqua, Kansas 3 $ 255,000 $ 85,000 $ 94,000
Cloud, Kansas 3 $ 105,000 $ 35,000 $ 109,000
Neosho, Kansas 3 $ 205,000 $ 68,333 $ 57,000
Rooks, Kansas 3 $ 345,000 $ 115,000 $ 143,000
Rush, Kansas 3 $ 355,000 $ 118,333 $ 77,000
Boone, Missouri 3 $ 735,000 $ 245,000 $ 60,000
St. Clair, Missouri 3 $ 335,000 $ 111,666 $ 50,000
Caddo, Oklahoma 3 $ 265,000 $ 88,333 $ 0
Collin, Texas 3 $ 1,145,000 $ 381,666 $ 311,000
Grant, Arkansas 2 $ 350,000 $ 175,000 $ 112,000
Lonoke, Arkansas 2 $ 490,000 $ 245,000 $ 281,000
Sharp, Arkansas 2 $ 510,000 $ 255,000 $ 68,000
Clear Creek, Colorado 2 $ 360,000 $ 180,000 $ 197,000
Denver, Colorado 2 $ 680,000 $ 340,000 $ 93,000
Summit, Colorado 2 $ 890,000 $ 445,000 $ 290,000
Palm Beach, Florida 2 $ 1,560,000 $ 780,000 $ 866,000
Cherokee, Kansas 2 $ 150,000 $ 75,000 $ 109,000
Jackson, Kansas 2 $ 170,000 $ 85,000 $ 56,000
Labette, Kansas 2 $ 180,000 $ 90,000 $ 99,000
Logan, Kansas 2 $ 50,000 $ 25,000 $ 47,000
Meade, Kansas 2 $ 190,000 $ 95,000 $ 47,000
Russell, Kansas 2 $ 50,000 $ 25,000 $ 51,000
Andrew, Missouri 2 $ 510,000 $ 255,000 $ 36,000
Camden, Missouri 2 $ 670,000 $ 335,000 $ 0
Jasper, Missouri 2 $ 200,000 $ 100,000 $ 16,000
McDonald, Missouri 2 $ 180,000 $ 90,000 $ 55,000
Miller, Missouri 2 $ 120,000 $ 60,000 $ 0
Morgan, Missouri 2 $ 400,000 $ 200,000 $ 111,000
Ray, Missouri 2 $ 70,000 $ 35,000 $ 64,000
St. Louis City, Missouri 2 $ 1,260,000 $ 630,000 $ 0
Cimarron, Oklahoma 2 $ 100,000 $ 50,000 $ 79,000
Cleveland, Oklahoma 2 $ 420,000 $ 210,000 $ 109,000
Comanche, Oklahoma 2 $ 350,000 $ 175,000 $ 0
Craig, Oklahoma 2 $ 210,000 $ 105,000 $ 36,000
Creek, Oklahoma 2 $ 170,000 $ 85,000 $ 26,000
Mayes, Oklahoma 2 $ 350,000 $ 175,000 $ 0
Nowata, Oklahoma 2 $ 370,000 $ 185,000 $ 108,000
Pottawatomie, Oklahoma 2 $ 770,000 $ 385,000 $ 120,000
Deschutes, Oregon 2 $ 2,340,000 $ 1,170,000 $ 662,000
Cherokee, Alabama 1 $ 405,000 $ 405,000 $ 359,000
Russell, Alabama 1 $ 305,000 $ 305,000 $ 112,000
Santa Cruz, Arizona 1 $ 575,000 $ 575,000 $ 198,000
Bradley, Arkansas 1 $ 35,000 $ 35,000 $ 129,000
Conway, Arkansas 1 $ 95,000 $ 95,000 $ 217,000
Cross, Arkansas 1 $ 115,000 $ 115,000 $ 139,000
Independence, Arkansas 1 $ 125,000 $ 125,000 $ 0
Ouachita, Arkansas 1 $ 195,000 $ 195,000 $ 0
Pope, Arkansas 1 $ 255,000 $ 255,000 $ 53,000
Pulaski, Arkansas 1 $ 195,000 $ 195,000 $ 0
Saline, Arkansas 1 $ 165,000 $ 165,000 $ 48,000
White, Arkansas 1 $ 125,000 $ 125,000 $ 384,000
Napa, California 1 $ 605,000 $ 605,000 $ 2,142,000
Santa Clara, California 1 $ 405,000 $ 405,000 $ 360,000
Boulder, Colorado 1 $ 45,000 $ 45,000 $ 56,000
Larimer, Colorado 1 $ 355,000 $ 355,000 $ 0
Bay, Florida 1 $ 645,000 $ 645,000 $ 847,000
Monroe, Florida 1 $ 545,000 $ 545,000 $ 777,000
Osceola, Florida 1 $ 245,000 $ 245,000 $ 199,000
Sarasota, Florida 1 $ 10,005,000 $ 10,005,000 $ 0
Anderson, Kansas 1 $ 75,000 $ 75,000 $ 91,000
Atchison, Kansas 1 $ 65,000 $ 65,000 $ 258,000
Bourbon, Kansas 1 $ 65,000 $ 65,000 $ 124,000
Decatur, Kansas 1 $ 105,000 $ 105,000 $ 59,000
Dickinson, Kansas 1 $ 605,000 $ 605,000 $ 0
Doniphan, Kansas 1 $ 45,000 $ 45,000 $ 69,000
Edwards, Kansas 1 $ 25,000 $ 25,000 $ 34,000
Franklin, Kansas 1 $ 35,000 $ 35,000 $ 128,000
Grant, Kansas 1 $ 115,000 $ 115,000 $ 77,000
Kearny, Kansas 1 $ 125,000 $ 125,000 $ 83,000
Kiowa, Kansas 1 $ 115,000 $ 115,000 $ 40,000
Linn, Kansas 1 $ 25,000 $ 25,000 $ 58,000
Marshall, Kansas 1 $ 135,000 $ 135,000 $ 32,000
Osage, Kansas 1 $ 15,000 $ 15,000 $ 75,000
Pawnee, Kansas 1 $ 275,000 $ 275,000 $ 0
Pratt, Kansas 1 $ 75,000 $ 75,000 $ 78,000
Rawlins, Kansas 1 $ 75,000 $ 75,000 $ 1,000
Riley, Kansas 1 $ 2,445,000 $ 2,445,000 $ 0
Scott, Kansas 1 $ 75,000 $ 75,000 $ 227,000
Smith, Kansas 1 $ 25,000 $ 25,000 $ 21,000
Sumner, Kansas 1 $ 55,000 $ 55,000 $ 90,000
Thomas, Kansas 1 $ 65,000 $ 65,000 $ 0
Caldwell, Missouri 1 $ 25,000 $ 25,000 $ 161,000
Christian, Missouri 1 $ 2,005,000 $ 2,005,000 $ 2,924,000
Cooper, Missouri 1 $ 25,000 $ 25,000 $ 102,000
DeKalb, Missouri 1 $ 25,000 $ 25,000 $ 31,000
Hickory, Missouri 1 $ 165,000 $ 165,000 $ 383,000
Moniteau, Missouri 1 $ 545,000 $ 545,000 $ 0
Newton, Missouri 1 $ 205,000 $ 205,000 $ 77,000
Pike, Missouri 1 $ 15,000 $ 15,000 $ 26,000
Pulaski, Missouri 1 $ 265,000 $ 265,000 $ 111,000
Randolph, Missouri 1 $ 105,000 $ 105,000 $ 218,000
St. Louis, Missouri 1 $ 295,000 $ 295,000 $ 0
Vernon, Missouri 1 $ 235,000 $ 235,000 $ 110,000
Warren, Missouri 1 $ 75,000 $ 75,000 $ 106,000
Harlan, Nebraska 1 $ 205,000 $ 205,000 $ 91,000
Ocean, New Jersey 1 $ 25,000 $ 25,000 $ 72,000
Colfax, New Mexico 1 $ 465,000 $ 465,000 $ 908,000
Bryan, Oklahoma 1 $ 625,000 $ 625,000 $ 196,000
Canadian, Oklahoma 1 $ 35,000 $ 35,000 $ 99,000
Custer, Oklahoma 1 $ 35,000 $ 35,000 $ 210,000
Garfield, Oklahoma 1 $ 35,000 $ 35,000 $ 40,000
Jackson, Oklahoma 1 $ 25,000 $ 25,000 $ 149,000
McClain, Oklahoma 1 $ 85,000 $ 85,000 $ 218,000
Muskogee, Oklahoma 1 $ 35,000 $ 35,000 $ 169,000
Payne, Oklahoma 1 $ 85,000 $ 85,000 $ 0
Sequoyah, Oklahoma 1 $ 305,000 $ 305,000 $ 156,000
Curry, Oregon 1 $ 255,000 $ 255,000 $ 78,000
Beaufort, South Carolina 1 $ 885,000 $ 885,000 $ 292,000
Bell, Texas 1 $ 435,000 $ 435,000 $ 125,000
Bexar, Texas 1 $ 305,000 $ 305,000 $ 98,000
Donley, Texas 1 $ 195,000 $ 195,000 $ 0
Hansford, Texas 1 $ 35,000 $ 35,000 $ 116,000
Hidalgo, Texas 1 $ 205,000 $ 205,000 $ 69,000
Upshur, Texas 1 $ 55,000 $ 55,000 $ 325,000
Van Zandt, Texas 1 $ 305,000 $ 305,000 $ 0
Portage, Wisconsin 1 $ 55,000 $ 55,000 $ 11,000

Mortgage Loan Application Detail Totals for Equity Bank in 2022

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
Home Purchase 695 $165,665,000 $238,000 $10,005,000 $123,000 $2,924,000
Refinancing 436 $79,430,000 $182,000 $2,445,000 $157,000 $2,142,000
Home Improvement 400 $42,650,000 $106,000 $12,305,000 $103,000 $826,000
Other Purpose 242 $19,820,000 $81,000 $2,005,000 $106,000 $1,389,000
Cash-out Refinancing 117 $18,675,000 $159,000 $645,000 $93,000 $847,000
Not Applicable 0 $0 $0 $0 $0 $0

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 1,246 $174,780,000 $140,000 $3,325,000 $125,000 $2,924,000
Not applicable 335 $116,525,000 $347,000 $12,305,000 $0 $0
Hispanic 171 $15,105,000 $88,000 $335,000 $79,000 $675,000
Not Provided 87 $12,945,000 $148,000 $535,000 $135,000 $908,000
American Indian or Alaskan Native 21 $2,835,000 $135,000 $465,000 $93,000 $221,000
Black or African American 15 $1,275,000 $85,000 $285,000 $75,000 $228,000
Asian 11 $1,705,000 $155,000 $355,000 $107,000 $258,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0

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) 1,866 $322,060,000 $172,000 $12,305,000 $120,000 $2,924,000
FHA-insured (Federal Housing Administration) 14 $2,520,000 $180,000 $375,000 $73,000 $204,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 9 $1,535,000 $170,000 $355,000 $52,000 $96,000
VA-guaranteed (Veterans Administration) 1 $125,000 $125,000 $125,000 $84,000 $84,000

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
Loan Originated 1,393 $259,515,000 $186,000 $12,305,000 $130,000 $2,924,000
Application Denied By Financial Institution 279 $26,065,000 $93,000 $1,105,000 $77,000 $791,000
Application Withdrawn By Applicant 177 $36,295,000 $205,000 $3,405,000 $130,000 $1,371,000
File Closed For Incompleteness 21 $2,085,000 $99,000 $215,000 $99,000 $406,000
Loan Purchased By The Institution 13 $1,465,000 $112,000 $185,000 $0 $0
Application Approved But Not Accepted 7 $815,000 $116,000 $235,000 $69,000 $128,000
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
Not applicable 1,611 $300,175,000 $186,000 $12,305,000 $129,000 $2,924,000
Debt-To-Income Ratio 117 $14,305,000 $122,000 $1,105,000 $65,000 $384,000
Credit History 97 $5,965,000 $61,000 $285,000 $79,000 $325,000
Collateral 37 $2,595,000 $70,000 $465,000 $106,000 $791,000
Credit Application Incomplete 18 $1,570,000 $87,000 $335,000 $71,000 $365,000
Other 4 $770,000 $192,000 $405,000 $158,000 $360,000
Employment History 4 $490,000 $122,000 $255,000 $25,000 $54,000
Insufficient Cash (Downpayment, Closing Cost) 1 $205,000 $205,000 $205,000 $53,000 $53,000
Unverifiable Information 1 $165,000 $165,000 $165,000 $144,000 $144,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Equity Bank's 2022 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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