Equity Bank Mortgage Lending & HMDA Data, 2021
In 2021, Equity Bank of Wichita, KS reported 2,169 mortgage applications totaling $577.3 million, up 55% from 2020. The average application was for $266,157, and applicants reported an average income of $104,504. 45% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Kansas City, MO-KS (202), Indianapolis-Carmel-Anderson, IN (174) and Wichita, KS (109) (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 | 2,169 |
| Total Mortgage Loan Application Amount | $577,295,000 |
| Average Mortgage Loan Application Amount | $266,157 |
| Highest Mortgage Loan Application Amount | $3,725,000 |
| Average Applicant Income | $104,504 |
| Highest Applicant Income | $1,342,000 |
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Act (HMDA) records Equity Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 902 | $ 137,400,000 | $ 152,328 | $ 92,817 |
| Kansas City, MO-KS | 202 | $ 46,870,000 | $ 232,029 | $ 111,509 |
| Indianapolis-Carmel-Anderson, IN | 174 | $ 21,960,000 | $ 126,206 | $ 0 |
| Wichita, KS | 109 | $ 20,305,000 | $ 186,284 | $ 130,000 |
| Monroe, MI | 56 | $ 8,530,000 | $ 152,321 | $ 0 |
| Austin-Round Rock, TX | 53 | $ 47,555,000 | $ 897,264 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 50 | $ 44,560,000 | $ 891,200 | $ 0 |
| Gary, IN | 49 | $ 5,425,000 | $ 110,714 | $ 0 |
| Tulsa, OK | 48 | $ 14,840,000 | $ 309,166 | $ 221,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 47 | $ 11,465,000 | $ 243,936 | $ 121,000 |
| Houston-The Woodlands-Sugar Land, TX | 47 | $ 37,855,000 | $ 805,425 | $ 0 |
| Columbus, OH | 45 | $ 6,655,000 | $ 147,888 | $ 0 |
| Lafayette-West Lafayette, IN | 43 | $ 5,125,000 | $ 119,186 | $ 0 |
| Dallas-Plano-Irving, TX | 41 | $ 36,465,000 | $ 889,390 | $ 0 |
| Chicago-Naperville, IL | 33 | $ 8,345,000 | $ 252,878 | $ 0 |
| Fort Wayne, IN | 32 | $ 3,710,000 | $ 115,937 | $ 0 |
| Topeka, KS | 30 | $ 3,340,000 | $ 111,333 | $ 86,000 |
| Detroit-Dearborn-Livonia, MI | 19 | $ 2,755,000 | $ 145,000 | $ 0 |
| Muncie, IN | 17 | $ 1,805,000 | $ 106,176 | $ 0 |
| Fort Worth-Arlington, TX | 13 | $ 11,235,000 | $ 864,230 | $ 47,000 |
| Denver-Aurora-Lakewood, CO | 10 | $ 8,100,000 | $ 810,000 | $ 0 |
| San Antonio-New Braunfels, TX | 9 | $ 6,675,000 | $ 741,666 | $ 0 |
| Oklahoma City, OK | 7 | $ 2,955,000 | $ 422,142 | $ 121,000 |
| Cincinnati, OH-KY-IN | 6 | $ 810,000 | $ 135,000 | $ 0 |
| Lawrence, KS | 6 | $ 1,930,000 | $ 321,666 | $ 341,000 |
| Phoenix-Mesa-Scottsdale, AZ | 6 | $ 5,220,000 | $ 870,000 | $ 0 |
| Seattle-Bellevue-Everett, WA | 5 | $ 4,895,000 | $ 979,000 | $ 0 |
| Fort Collins, CO | 4 | $ 1,960,000 | $ 490,000 | $ 83,000 |
| Joplin, MO | 4 | $ 870,000 | $ 217,500 | $ 140,000 |
| Montgomery County-Bucks County-Chester County, PA | 4 | $ 3,200,000 | $ 800,000 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 4,180,000 | $ 1,045,000 | $ 1,045,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 4 | $ 2,320,000 | $ 580,000 | $ 0 |
| Springfield, MO | 4 | $ 2,250,000 | $ 562,500 | $ 168,000 |
| Warren-Troy-Farmington Hills, MI | 4 | $ 360,000 | $ 90,000 | $ 0 |
| Grand Rapids-Wyoming, MI | 3 | $ 1,495,000 | $ 498,333 | $ 140,000 |
| Lake County-Kenosha County, IL-WI | 3 | $ 3,555,000 | $ 1,185,000 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 4,285,000 | $ 1,428,333 | $ 0 |
| Amarillo, TX | 2 | $ 150,000 | $ 75,000 | $ 56,000 |
| Ann Arbor, MI | 2 | $ 360,000 | $ 180,000 | $ 0 |
| Baltimore-Columbia-Towson, MD | 2 | $ 1,440,000 | $ 720,000 | $ 0 |
| Bend-Redmond, OR | 2 | $ 1,110,000 | $ 555,000 | $ 0 |
| Boulder, CO | 2 | $ 1,610,000 | $ 805,000 | $ 0 |
| Columbia, MO | 2 | $ 230,000 | $ 115,000 | $ 130,000 |
| Jefferson City, MO | 2 | $ 430,000 | $ 215,000 | $ 185,000 |
| Las Vegas-Henderson-Paradise, NV | 2 | $ 2,490,000 | $ 1,245,000 | $ 0 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 550,000 | $ 275,000 | $ 154,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 1,560,000 | $ 780,000 | $ 0 |
| San Diego-Carlsbad, CA | 2 | $ 3,800,000 | $ 1,900,000 | $ 0 |
| Santa Maria-Santa Barbara, CA | 2 | $ 2,380,000 | $ 1,190,000 | $ 0 |
| Sherman-Denison, TX | 2 | $ 1,280,000 | $ 640,000 | $ 0 |
| St. Louis, MO-IL | 2 | $ 600,000 | $ 300,000 | $ 148,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2 | $ 1,910,000 | $ 955,000 | $ 0 |
| Akron, OH | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Birmingham-Hoover, AL | 1 | $ 585,000 | $ 585,000 | $ 0 |
| Boise City, ID | 1 | $ 1,415,000 | $ 1,415,000 | $ 0 |
| Bremerton-Silverdale, WA | 1 | $ 875,000 | $ 875,000 | $ 0 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 925,000 | $ 925,000 | $ 0 |
| Charlottesville, VA | 1 | $ 2,935,000 | $ 2,935,000 | $ 0 |
| Columbus, IN | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 835,000 | $ 835,000 | $ 0 |
| Grand Junction, CO | 1 | $ 225,000 | $ 225,000 | $ 324,000 |
| Greeley, CO | 1 | $ 535,000 | $ 535,000 | $ 331,000 |
| Hot Springs, AR | 1 | $ 285,000 | $ 285,000 | $ 107,000 |
| Kokomo, IN | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Lawton, OK | 1 | $ 185,000 | $ 185,000 | $ 152,000 |
| Lincoln, NE | 1 | $ 135,000 | $ 135,000 | $ 60,000 |
| Longview, WA | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 995,000 | $ 995,000 | $ 0 |
| Manhattan, KS | 1 | $ 175,000 | $ 175,000 | $ 135,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 245,000 | $ 245,000 | $ 172,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 1,495,000 | $ 1,495,000 | $ 0 |
| Michigan City-La Porte, IN | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Modesto, CA | 1 | $ 315,000 | $ 315,000 | $ 152,000 |
| Morgantown, WV | 1 | $ 615,000 | $ 615,000 | $ 0 |
| New Orleans-Metairie, LA | 1 | $ 545,000 | $ 545,000 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 995,000 | $ 995,000 | $ 0 |
| Philadelphia, PA | 1 | $ 545,000 | $ 545,000 | $ 0 |
| Providence-Warwick, RI-MA | 1 | $ 165,000 | $ 165,000 | $ 159,000 |
| Reno, NV | 1 | $ 655,000 | $ 655,000 | $ 0 |
| Richmond, VA | 1 | $ 815,000 | $ 815,000 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 735,000 | $ 735,000 | $ 0 |
| Rome, GA | 1 | $ 515,000 | $ 515,000 | $ 203,000 |
| Salisbury, MD-DE | 1 | $ 1,805,000 | $ 1,805,000 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 1,535,000 | $ 1,535,000 | $ 0 |
| Santa Fe, NM | 1 | $ 225,000 | $ 225,000 | $ 385,000 |
| Shreveport-Bossier City, LA | 1 | $ 175,000 | $ 175,000 | $ 60,000 |
| Sioux City, IA-NE-SD | 1 | $ 135,000 | $ 135,000 | $ 78,000 |
| Springfield, IL | 1 | $ 305,000 | $ 305,000 | $ 284,000 |
| St. Joseph, MO-KS | 1 | $ 185,000 | $ 185,000 | $ 113,000 |
| Tacoma-Lakewood, WA | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Toledo, OH | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Washington-Baltimore-Arlington, DC | 1 | $ 1,115,000 | $ 1,115,000 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 975,000 | $ 975,000 | $ 1,177,000 |
| Wichita Falls, TX | 1 | $ 695,000 | $ 695,000 | $ 0 |
Mortgage Loan Application Detail Totals for Equity Bank in 2021
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 | 750 | $228,280,000 | $304,000 | $3,725,000 | $101,000 | $1,148,000 |
| Refinancing | 661 | $201,785,000 | $305,000 | $2,745,000 | $117,000 | $1,342,000 |
| Not Applicable | 359 | $38,905,000 | $108,000 | $775,000 | $0 | $0 |
| Cash-out Refinancing | 357 | $103,705,000 | $290,000 | $2,935,000 | $90,000 | $462,000 |
| Home Improvement | 24 | $1,860,000 | $77,000 | $195,000 | $89,000 | $279,000 |
| Other Purpose | 18 | $2,760,000 | $153,000 | $545,000 | $100,000 | $308,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,123 | $406,155,000 | $361,000 | $2,935,000 | $0 | $0 |
| White | 790 | $130,490,000 | $165,000 | $1,635,000 | $107,000 | $1,342,000 |
| Hispanic | 145 | $15,485,000 | $106,000 | $535,000 | $70,000 | $331,000 |
| Not Provided | 76 | $18,160,000 | $238,000 | $3,725,000 | $127,000 | $1,045,000 |
| American Indian or Alaskan Native | 14 | $2,660,000 | $190,000 | $545,000 | $85,000 | $240,000 |
| Asian | 14 | $3,260,000 | $232,000 | $485,000 | $141,000 | $500,000 |
| Black or African American | 5 | $805,000 | $161,000 | $225,000 | $120,000 | $174,000 |
| 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) | 2,147 | $573,315,000 | $267,000 | $3,725,000 | $104,000 | $1,342,000 |
| FHA-insured (Federal Housing Administration) | 10 | $1,640,000 | $164,000 | $365,000 | $76,000 | $159,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,260,000 | $126,000 | $225,000 | $55,000 | $99,000 |
| VA-guaranteed (Veterans Administration) | 2 | $1,080,000 | $540,000 | $765,000 | $139,000 | $206,000 |
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 | 981 | $172,095,000 | $175,000 | $3,725,000 | $107,000 | $1,342,000 |
| Loan Purchased By The Institution | 926 | $358,920,000 | $387,000 | $2,935,000 | $0 | $0 |
| Application Withdrawn By Applicant | 131 | $21,995,000 | $167,000 | $765,000 | $97,000 | $397,000 |
| Application Denied By Financial Institution | 99 | $17,765,000 | $179,000 | $1,425,000 | $68,000 | $388,000 |
| File Closed For Incompleteness | 23 | $4,675,000 | $203,000 | $765,000 | $139,000 | $462,000 |
| Application Approved But Not Accepted | 9 | $1,845,000 | $205,000 | $675,000 | $215,000 | $1,148,000 |
| 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 | 2,070 | $559,530,000 | $270,000 | $3,725,000 | $108,000 | $1,342,000 |
| Debt-To-Income Ratio | 56 | $11,100,000 | $198,000 | $1,425,000 | $52,000 | $147,000 |
| Credit History | 29 | $3,985,000 | $137,000 | $545,000 | $86,000 | $388,000 |
| Other | 8 | $1,900,000 | $237,000 | $405,000 | $122,000 | $255,000 |
| Collateral | 3 | $425,000 | $141,000 | $215,000 | $65,000 | $97,000 |
| Employment History | 2 | $240,000 | $120,000 | $155,000 | $33,000 | $34,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $115,000 | $115,000 | $115,000 | $50,000 | $50,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Equity Bank's 2021 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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