Equitable Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
62nd7.1% deniedProcesswithdrawn + incomplete share, weight 15%
65th8.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 245 | 205 | 4.9% | 5.5% | — | $51M |
| 2024 | 212 | 172 | 5.7% | 6.4% | — | $37M |
| 2025 | 246 | 207 | 6.5% | 7.1% | — | $57M |
What Equitable Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 2 manufactured homes, 69 investment properties.
Who gets approved at Equitable Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 32 | 25 | 13.3% |
| $50k – $100k | 62 | 54 | 5.3% |
| $100k – $150k | 42 | 32 | 11.1% |
| $150k – $250k | 40 | 31 | 8.8% |
| Over $250k | 22 | 21 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 50 | 38 | 11.6% |
| 35–44 | 47 | 41 | 8.9% |
| 45–54 | 44 | 36 | 7.5% |
| 55–64 | 24 | 19 | 9.1% |
Where Equitable Bank lends
5 states and 31 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Nebraska | 241 | 202 | 6.6% | — | #69 |
Frequently asked questions
Equitable Bank denied 7.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 62nd percentile of small mortgage lenders.
In 2025, 65% of its applications were for home purchases, 29% for refinancing (including cash-out), and 6% for home improvement or other purposes. By loan type: 99% conventional, 1% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.