Equity Bank in Missouri vs the state
18.1%Denial rate+3.00 pts vs state
19.6%Decision denial rate+0.87 pts vs state
73.5%Origination rate+10.86 pts vs state
6.75%Median rate+0.13 pts vs state
-2.11Rate spread (pts)-2.46 pts vs state
$79kMedian applicant income
411Loans originated
101Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 436 | 305 | 13.3% | 8.29% | #81 |
| 2024 | 489 | 327 | 20.5% | 8.00% | #82 |
| 2025 | 559 | 411 | 18.1% | 6.75% | #82 |
What Equity Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Equity Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 132 | 111 | 15 | 11.4% |
| Henry County | 63 | 41 | 15 | 23.8% |
| Johnson County | 62 | 43 | 16 | 25.8% |
| Adair County | 53 | 41 | 6 | 11.3% |
| Benton County | 41 | 29 | 8 | 19.5% |
| Pettis County | 29 | 20 | 8 | 27.6% |
| Buchanan County | 25 | 14 | 6 | 24.0% |
| Cass County | 23 | 17 | 3 | 13.0% |
| Macon County | 18 | 11 | 6 | 33.3% |
| Lafayette County | 18 | 10 | 6 | 33.3% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 559 applications in 2025, of which 411 were originated and 101 denied.
18.1% of all applications, or 19.6% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Equity Bank originated in Missouri in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Equity Bank's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology