# Equity Bank

> **Canonical URL:** https://saferate.com/lenders/equity-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Equity Bank is a bank, headquartered in Andover, KS, serving borrowers across 6 states, with 199 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 32% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 67% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300TJF420N3F01V87
- **Headquarters:** Andover, KS
- **Geographic Reach:** Multi-Region
- **States Served:** 6
- **State List:** AR, FL, KS, MO, OK, WI
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 68/100
- Rating: ●●●●○ (4/5)

### Pull Through: Acceptable 🙂
- Score: 33/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.077%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,131
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 199
- **Dollar Volume:** $47 million
- **Applications Received:** 300
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $236,407
- **Average Borrower Income:** $118,080
- **Average Property Value:** $318,920

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 45/100 | 160 | +0.099% | $1,099 | Sound ☺️ |
| FHA | 37/100 | 19 | +0.116% | $1,509 | Acceptable 🙂 |
| USDA | 48/100 | 13 | -0.180% | $1,059 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 136 loans, Score: 45/100 (Sound)
- Refinance: 24 loans, Score: 29/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 47/100 | 173 | $41M | +0.094% | Sound ☺️ |
| Refinance | 30/100 | 26 | $6M | -0.030% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| KS | 85 | 0.28% | 73/100 |
| MO | 52 | 0.07% | 59/100 |
| AR | 34 | 0.11% | 57/100 |
| OK | 26 | 0.06% | 53/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 112 | 61/100 |
| Wichita, KS | KS | 48 | 67/100 |
| Kansas City, MO | MO-KS | 22 | 52/100 |

## Where This Lender Ranks

Equity Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#7** in Wichita, KS for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/wichita-ks/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#17** in Wichita, KS Banks
  - [View Full Rankings](https://saferate.com/wichita-ks/best-mortgage-lenders/banks)
- 🏆 **#17** in Wichita, KS for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/wichita-ks/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Equity Bank offer?

Equity Bank offers the following mortgage loan types: FHA, Conventional, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Equity Bank offer mortgages?

Equity Bank offers mortgages in 6 states: AR, FL, KS, MO, OK, WI.

### How competitive are Equity Bank's mortgage rates?

Equity Bank has a pricing score of 68/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.077% above market average.

### What type of lender is Equity Bank?

Equity Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Andover, KS.

### What is Equity Bank's loan approval success rate?

Equity Bank has a pull-through score of 33/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/equity-bank

### How to Cite

> "Equity Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/equity-bank

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