Emprise Bank mortgage approval rate & lending review
Emprise Bank decided 1,607 mortgage applications and funded 1,081 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Emprise Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Emprise Bank at a glance
Approval is 1.8 points below the 72.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 79% | 157 / 198 | 96% | $245K | 151 |
| Home improvement loans | 61% | 400 / 654 | 95% | $25K | 380 |
| Refinance | 72% | 325 / 453 | 94% | $45K | 306 |
| Investment property purchase | 91% | 146 / 161 | 97% | $165K | 141 |
| Investment refinance | 81% | 82 / 101 | 90% | $75K | 74 |
| Investment home improvement | 84% | 31 / 37 | 94% | $55K | 29 |
Emprise Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Kansas | 71% | $45K | 1,566 | 1,061 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Emprise Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Sedgwick County, KS | Home improvement loans | 61% | 611 | 353 |
| Sedgwick County, KS | Refinance | 70% | 423 | 279 |
| Sedgwick County, KS | Mortgage lenders | 80% | 185 | 144 |
| Sedgwick County, KS | Investment property purchase | 90% | 132 | 114 |
| Sedgwick County, KS | Investment refinance | 85% | 85 | 66 |
| Sedgwick County, KS | Investment home improvement | 83% | 35 | 27 |
| Douglas County, KS | Refinance | 90% | 20 | 18 |
The county markets where Emprise Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Emprise Bank
What is Emprise Bank's mortgage approval rate?
Emprise Bank approved 71.0% of the 1,607 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.8 points below the 72.8% national rate for the same mix of loan types.
How often do borrowers take the loan Emprise Bank offers?
Borrowers accepted 95% of the loans Emprise Bank approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Emprise Bank make?
The typical home improvement loan loan Emprise Bank made was $25K; across all loan types its typical loan ran from $25K to $245K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Emprise Bank lend?
Emprise Bank decided applications in 16 of the states Fat Boy Data covers, most of them in Kansas, Nebraska and Missouri.
Can I apply to Emprise Bank directly?
Yes. Emprise Bank is a bank or credit union with 31 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Emprise Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Emprise Bank treats applications, then get a rate quote from the lender.