Equity Bank has 199 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Sound
3/5
FHA · Conventional · USDA
Place
Sound
3/5
Multi-Region · 2 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
Things to Think About
- Pull through efficiency is below industry average
Explore another lender or local market
Report Card
Equity Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+7.7 bps above market avg
4/5
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
2/5
By Loan Product· Specialization by type
Conventional
160 loans · 0.10% above market
Sound
Top 60% of lenders
3/5
FHA
19 loans · 0.12% above market
Acceptable
Bottom 40% of lenders
2/5
USDA
13 loans · 0.18% below market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
173 loans · 0.09% above market
Sound
Top 60% of lenders
3/5
Refinance
26 loans · 0.03% below market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 3 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 160 | 80.4% | +0.099%Above | $1,099Fees | ||||
FHA Loans | 19 | 9.5% | +0.116%Above | $1,509Fees | ||||
USDA Loans | — | — | 13 | 6.5% | -0.180%Below | $1,059Fees |
Conventional
OverallSound
ProductSound
PricingStrong
Pull ThroughSound
Volume160
Mix80.4%
Spread
+0.099%Above
Fees
$1,099Fees
FHA Loans
OverallSound
ProductAcceptable
PricingExceptional
Pull ThroughAcceptable
Volume19
Mix9.5%
Spread
+0.116%Above
Fees
$1,509Fees
USDA Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume13
Mix6.5%
Spread
-0.180%Below
Fees
$1,059Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 173 | 86.9% | +0.094%Above | $1,140Fees | ||||
Refinance | 26 | 13.1% | -0.030%Below | $1,072Fees |
Purchase
OverallSound
ProductSound
PricingStrong
Pull ThroughSound
Volume173
Mix86.9%
Spread
+0.094%Above
Fees
$1,140Fees
Refinance
OverallAcceptable
ProductAcceptable
PricingStrong
Pull ThroughAcceptable
Volume26
Mix13.1%
Spread
-0.030%Below
Fees
$1,072Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
199
Applications
300
Volume
$47 million
Pricing & Closing
Avg Rate Spread
+0.077%
vs. market APOR
Avg Net Fees
$1,131
Origination − Credits
Pullthrough Rate
66.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$236,407
Avg Borrower Income
$118,080
Avg Property Value
$318,920
Geographic Coverage
Geographic Performance
Metro Areas
2
markets with activity
States Served
6
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
6Full-year 2024 · HMDALoans originated
< 2020–5050+None
Midwest3
KSMOWI
South3
ARFLOK
Top Metro Areas by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.