EMPRISE BANK
WICHITA, KS
EMPRISE BANK processed 1,086 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 630 loans with a 31.1% denial rate. Home Improvement was the primary loan purpose. Based in WICHITA, KS. The approval rate of 58.0% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.
Portfolio scale. EMPRISE BANK processed 1,086 HMDA-reported mortgage applications in 2024, originating 630 loans and denying 338 for a denial rate of 31.1% (applicants themselves withdrew 58 files before a decision). The average loan amount was $218,738 at a 7.895% average note rate, and applicants self-reported an average income of $32,000. The lender reports under LEI D32W5EBLENJC27207O81 from WICHITA, KS.
Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. EMPRISE BANK's 58.0% origination rate tells you how often an application turned into funded money; the 31.1% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Credit history, Debt-to-income ratio, Collateral, which together explain the majority of rejections. Most activity concentrated in Conventional loans (1,086 applications).
How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.
Lending Activity
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| Conventional | 1,086 | 630 | 338 | $218,738 |
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for EMPRISE BANK (LEI: D32W5EBLENJC27207O81) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Denial Analysis
Loan Purpose Breakdown
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Home Improvement | 349 | 196 | $51,762 |
| Refinancing | 335 | 213 | $100,731 |
| Home Purchase | 234 | 141 | $762,436 |
| Other | 168 | 80 | $43,631 |
Geographic Coverage — Lending by Race
Derived race categories as reported under HMDA. Source: CFPB.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 815 | 59.4% | 32.1% |
| Asian | 42 | 23.8% | 57.1% |
| Black or African American | 34 | 26.5% | 64.7% |
| Joint | 19 | 79.0% | 15.8% |
| American Indian or Alaska Native | 8 | 25.0% | 75.0% |
| 2 or more minority races | 1 | 100.0% | 0.0% |
| Native Hawaiian or Other Pacific Islander | 1 | 0.0% | 100.0% |
Lending by Ethnicity
Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.
| Ethnicity | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| Not Hispanic or Latino | 849 | 57.7% | 33.5% |
| Hispanic or Latino | 50 | 36.0% | 54.0% |
| Joint | 23 | 60.9% | 34.8% |
Nearby Lenders in KS
Other HMDA-reporting lenders in KS with similar activity. Compare any two side-by-side.
COMMUNITYAMERICA CREDIT UNION
LENEXA, KS
LEADERONE FINANCIAL CORP.
OVERLAND PARK, KS
FARMERS BANK & TRUST
GREAT BEND, KS
Capitol Federal Savings Bank
Lawrence, KS
Armed Forces Bank, N.A.
Leavenworth, KS
Mortgage Lending Guides
Frequently Asked Questions
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Data Sources
Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.
Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.
Read our methodology — how this data is sourced, computed, and verified.