PlainLender

INTRUST BANK, NA

WICHITA, KS

INTRUST BANK, NA processed 776 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 483 loans with a 24.5% denial rate. Home Purchase was the primary loan purpose. Based in WICHITA, KS. The approval rate of 62.2% 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. INTRUST BANK, NA processed 776 HMDA-reported mortgage applications in 2024, originating 483 loans and denying 190 for a denial rate of 24.5% (applicants themselves withdrew 65 files before a decision). The average loan amount was $167,564 at a 7.955% average note rate, and applicants self-reported an average income of $32,000. The lender reports under LEI 549300IXP5DNWSGY6F96 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several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. INTRUST BANK, NA's 62.2% origination rate tells you how often an application turned into funded money; the 24.5% 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 (758 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.

776
Applications
483
Originated
24.5%
Denial Rate
$167,564
Avg Loan Amount
Avg Interest Rate: 7.955% Avg Applicant Income: $32,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 758 471 187 $165,172
VA 16 11 2 $279,375
FHA 2 1 1 $180,000

Top loan types — INTRUST BANK, NA

Top loan types — INTRUST BANK, NA Horizontal bar chart of the top 3 items by value (applications). Top loan types — INTRUST BANK, NA Top 3 1. Conventional 758 2. VA 16 3. FHA 2 Top 5 loan types by application volume at INTRUST BANK, NA (HMDA 2023). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for INTRUST BANK, NA (LEI: 549300IXP5DNWSGY6F96) · 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

Credit history
112
Debt-to-income ratio
99
Collateral
20
Other
19
Employment history
11
Unverifiable information
5
Insufficient cash
2

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 249 191 $240,181
Other 189 85 $104,894
Home Improvement 180 103 $71,889
Refinancing 141 98 $245,496
Cash-out Refinancing 17 6 $167,353

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 556 59.7% 26.6%
Asian 21 38.1% 47.6%
Joint 21 71.4% 23.8%
Black or African American 16 25.0% 62.5%
American Indian or Alaska Native 8 37.5% 50.0%
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 554 58.8% 27.4%
Hispanic or Latino 45 40.0% 44.4%
Joint 15 80.0% 6.7%

Nearby Lenders in KS

Other HMDA-reporting lenders in KS with similar activity. Compare any two side-by-side.

COMMUNITYAMERICA CREDIT UNION

LENEXA, KS

9,380 apps 6,246 originated 15.0% denied

LEADERONE FINANCIAL CORP.

OVERLAND PARK, KS

6,935 apps 4,570 originated 7.7% denied

FARMERS BANK & TRUST

GREAT BEND, KS

2,656 apps 1,284 originated 8.0% denied

Capitol Federal Savings Bank

Lawrence, KS

2,539 apps 1,705 originated 9.7% denied

Armed Forces Bank, N.A.

Leavenworth, KS

2,058 apps 1,191 originated 11.5% denied
Compare INTRUST BANK, NA vs COMMUNITYAMERICA CREDIT UNION →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

Bank Financial Data → Credit Union Data → Financial Advisor Lookup → Home Insurance Costs → Property Tax Data → Rent Price Data →

Frequently Asked Questions

How many mortgage applications did INTRUST BANK, NA process?
INTRUST BANK, NA processed 776 mortgage applications in the 2023 HMDA reporting year. Of these, 483 were originated (approved and funded), 65 were withdrawn by the applicant, and 190 were denied.
What is INTRUST BANK, NA's mortgage approval rate?
INTRUST BANK, NA has an approval (origination) rate of 62.2%, meaning 62.2% of all applications resulted in a funded mortgage. The denial rate is 24.5%.
What is the average loan amount at INTRUST BANK, NA?
The average mortgage loan amount at INTRUST BANK, NA is $167,564. The average interest rate is 7.955%. The average applicant income is $32,000.
What are the most common reasons for mortgage denial at INTRUST BANK, NA?
The most common reasons for mortgage denial at INTRUST BANK, NA are: Credit history, Debt-to-income ratio, Collateral. In total, 190 applications were denied out of 776 total applications.
What types of mortgage loans does INTRUST BANK, NA offer?
INTRUST BANK, NA processes Conventional, VA, FHA loans. The most common type is Conventional with 758 applications and an average loan amount of $165,172.
What loan purposes does INTRUST BANK, NA serve?
INTRUST BANK, NA serves the following loan purposes: Home Purchase (249 applications), Other (189 applications), Home Improvement (180 applications), Refinancing (141 applications), Cash-out Refinancing (17 applications). Home Purchase is the most common purpose.
Where is INTRUST BANK, NA located?
INTRUST BANK, NA is headquartered in WICHITA, KS. The lender is identified by LEI 549300IXP5DNWSGY6F96 in HMDA data.
How does INTRUST BANK, NA compare in lending across racial demographics?
INTRUST BANK, NA reports demographic lending data under HMDA requirements. White applicants have an approval rate of 59.7% and denial rate of 26.6%; Asian applicants have an approval rate of 38.1% and denial rate of 47.6%; Joint applicants have an approval rate of 71.4% and denial rate of 23.8%. This data reflects derived race categories as reported by applicants.

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.