Equity Bank in Kansas vs the state
17.9%Denial rate+2.87 pts vs state
20.9%Decision denial rate+2.64 pts vs state
67.2%Origination rate+3.34 pts vs state
6.25%Median rate-0.38 pts vs state
-0.54Rate spread (pts)-0.84 pts vs state
$88kMedian applicant income
409Loans originated
109Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 488 | 337 | 13.7% | 7.00% | #42 |
| 2024 | 527 | 343 | 16.7% | 6.63% | #46 |
| 2025 | 609 | 409 | 17.9% | 6.25% | #41 |
What Equity Bank lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most Equity Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sedgwick County | 133 | 85 | 24 | 18.0% |
| Johnson County | 61 | 47 | 7 | 11.5% |
| Seward County | 48 | 38 | 8 | 16.7% |
| Montgomery County | 34 | 17 | 13 | 38.2% |
| Ellis County | 32 | 26 | 2 | 6.3% |
| Crawford County | 30 | 19 | 7 | 23.3% |
| Saline County | 26 | 16 | 3 | 11.5% |
| Butler County | 23 | 18 | 5 | 21.7% |
| Finney County | 20 | 11 | 4 | 20.0% |
| Shawnee County | 19 | 13 | 4 | 21.1% |
Other large lenders in Kansas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 5,303 | 18.0% | 6.63% |
| Communityamerica Credit Union | B | 3,575 | 12.4% | 6.38% |
| United Shore Financial Services | B | 2,545 | 11.4% | 6.38% |
| Mortgage Research Center | C | 2,389 | 15.1% | 6.25% |
| Fairway Independent Mortgage | B | 2,360 | 2.0% | 6.63% |
| Pennymac Loan Services | C | 2,103 | 10.8% | 6.49% |
| Credit Union of America | C | 1,940 | 22.9% | 7.75% |
| Capitol Federal Savings Bank | B | 1,873 | 12.6% | 6.75% |
| Guild Mortgage | A | 1,549 | 3.6% | 6.63% |
| U.S. Bank | D | 1,534 | 31.4% | 7.28% |
Frequently asked questions
Kansas: 609 applications in 2025, of which 409 were originated and 109 denied.
17.9% of all applications, or 20.9% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans Equity Bank originated in Kansas in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Equity Bank's own HMDA filing for properties located in Kansas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology