Equity Bank mortgage approval rate & lending review
Equity Bank decided 1,184 mortgage applications and funded 999 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Equity Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Equity Bank at a glance
Approval is 7.6 points above the 77.9% 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 | 91% | 240 / 265 | 100% | $245K | 239 |
| Home improvement loans | 60% | 148 / 245 | 96% | $55K | 142 |
| Refinance | 71% | 80 / 112 | 99% | $125K | 79 |
| Investment property purchase | 98% | 261 / 265 | 98% | $175K | 257 |
| Investment refinance | 100% | 239 / 239 | 100% | $135K | 239 |
| Investment home improvement | 86% | 32 / 37 | 97% | $125K | 31 |
Equity Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Kansas | 81% | $195K | 453 | 365 |
| Missouri | 88% | $145K | 415 | 362 |
| Oklahoma | 92% | $165K | 147 | 133 |
| Arkansas | 85% | $105K | 116 | 97 |
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 Equity Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Sedgwick County, KS | Mortgage lenders | 93% | 102 | 95 |
| Jackson County, MO | Investment property purchase | 100% | 73 | 71 |
| Jackson County, MO | Investment refinance | 100% | 61 | 61 |
| Sedgwick County, KS | Home improvement loans | 62% | 78 | 45 |
| Tulsa County, OK | Investment refinance | 100% | 40 | 40 |
| Jackson County, MO | Home improvement loans | 62% | 61 | 37 |
| Clay County, MO | Investment property purchase | 100% | 28 | 28 |
| Tulsa County, OK | Investment property purchase | 93% | 29 | 27 |
| Sedgwick County, KS | Investment refinance | 100% | 23 | 23 |
| Jackson County, MO | Refinance | 81% | 27 | 22 |
| Benton County, AR | Investment refinance | 100% | 20 | 20 |
| Johnson County, KS | Home improvement loans | 63% | 30 | 19 |
The county markets where Equity Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Equity Bank
What is Equity Bank's mortgage approval rate?
Equity Bank approved 85.5% of the 1,184 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.6 points above the 77.9% national rate for the same mix of loan types.
How often do borrowers take the loan Equity Bank offers?
Borrowers accepted 99% of the loans Equity Bank 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 Equity Bank make?
The typical home purchase mortgage loan Equity Bank made was $245K; across all loan types its typical loan ran from $55K to $245K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Equity Bank lend?
Equity Bank decided applications in 18 of the states Fat Boy Data covers, most of them in Kansas, Missouri and Oklahoma.
Can I apply to Equity Bank directly?
Yes. Equity Bank is a bank or credit union with 83 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Equity Bank'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 Equity Bank treats applications, then get a rate quote from the lender.