Applications / Mortgage Analytics / Lenders / Kansas / Equity Bank
Andover, KS · State member bank · FRS · $6.3 billion assets · 1,269 loans in 2025
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1,269
loans originated, 2025
1,755
applications, 2025
14
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Equity Bank is a Kansas and Missouri lender of small loans, split between refinance and purchase, whose originations grew 18% in 2025, faster than about four in five similar banks.
Originations rose 18% to 1,269, against 7% at similar lenders (state member banks making between half and twice as many loans) and 10% in the whole market. Its merger with NBC Oklahoma in 2025 may have contributed to that growth.
Its typical loan was $105,000, smaller than at more than nine in ten peers, whose typical loan was $195,000. Refinances were 38.5% of its loans, purchases 36.3% and home improvement 18.2%. Five years before, loans insured by the Federal Housing Administration (FHA) were 5.7% and loans guaranteed by the Department of Agriculture's Rural Housing Service (RHS) 7.9%; in 2025 they were 0.8% and 0.2%.
Majority-minority areas took 13.5% of its loans, against 6.6% at peers, higher than about three in four, though down from 19.0% a year before. Low- and moderate-income (LMI) borrowers took 31.9%, against 26.8%. Its purchase denial rate, 7.3%, matched peers'.
It ranked 25 of 367 lenders in Wichita, with 0.9% of lending, close to its 1.0% a year before, and 51 of 659 in Kansas City, where its share rose to 0.4% from 0.3%. It ranked 16 of 398 in non-metro Kansas and 43 of 538 in non-metro Oklahoma.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Equity Bank took 1,755 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 38.5% · Purchase 36.3% · Home improvement 18.2% · Other 7.0%
Conventional 98.9% · FHA 0.8% · USDA (RHS or FSA) 0.2% · VA 0.2% · of 1,269 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Missouri | 411 | 32.4% |
| Kansas | 409 | 32.2% |
| Oklahoma | 249 | 19.6% |
| Arkansas | 168 | 13.2% |
| Texas | 13 | 1.0% |
| Colorado | 7 | 0.6% |
| Florida | 3 | 0.2% |
| Arizona | 2 | 0.2% |
| New Mexico | 2 | 0.2% |
| California | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kansas City | 228 |
| Wichita | 107 |
| Tulsa | 50 |
| Fayetteville-Springdale-Rogers | 43 |
| Oklahoma City | 36 |
| Topeka | 16 |
| St. Joseph | 15 |
| Enid | 8 |
| Houston-Pasadena-The Woodlands | 7 |
| Denver-Aurora-Centennial | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TJF420N3F01V87 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 139656 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 118478 | 1990–2011 |
| Respondent ID (the HMDA filer code before 2018) | 2139656 | 2012–2017 |
Established 21 January 1985. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Equity Bank's data.
Equity Bank's data
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Equity Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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