Emprise Bank in Kansas vs the state
31.0%Denial rate+15.94 pts vs state
33.4%Decision denial rate+15.16 pts vs state
59.0%Origination rate-4.85 pts vs state
7.70%Median rate+1.08 pts vs state
0.81Rate spread (pts)+0.51 pts vs state
$90kMedian applicant income
598Loans originated
314Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,071 | 653 | 29.0% | 7.45% | #16 |
| 2024 | 1,040 | 614 | 31.4% | 7.85% | #20 |
| 2025 | 1,014 | 598 | 31.0% | 7.70% | #23 |
What Emprise Bank lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most Emprise Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sedgwick County | 633 | 378 | 189 | 29.9% |
| Butler County | 130 | 76 | 41 | 31.5% |
| Allen County | 42 | 23 | 16 | 38.1% |
| Douglas County | 27 | 22 | 2 | 7.4% |
| Marion County | 25 | 15 | 8 | 32.0% |
| Neosho County | 17 | 8 | 8 | 47.1% |
| Harvey County | 14 | 11 | 3 | 21.4% |
| Ellis County | 13 | 10 | 2 | 15.4% |
| Greenwood County | 11 | 7 | 3 | 27.3% |
| Cowley County | 11 | 3 | 6 | 54.5% |
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: 1,014 applications in 2025, of which 598 were originated and 314 denied.
31.0% of all applications, or 33.4% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans Emprise Bank originated in Kansas in 2025 was 7.70%, against a statewide median of 6.63%.
About this data. Figures are Emprise 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