Applications / Mortgage Analytics / Lenders / Kansas / Emprise Bank
Wichita, KS · State non-member bank · FDIC · $2.8 billion assets · 617 loans in 2025
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617
loans originated, 2025
1,073
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Emprise Bank is a Wichita bank whose lending leans to home improvement, with a typical loan smaller than at any similar bank, and which ranks 15 of 367 in Wichita.
Home improvement made up 36.6% of its loans, refinances 27.6%, purchases 23.7% and other purposes 12.2%. Its typical loan was $55,000, against $190,000 for similar lenders (state non-member banks making between half and twice as many loans), the lowest among them.
Originations fell 2% to 617, while the typical peer grew 9% and the whole market 10%. In Wichita it ranks 15 of 367, with 1.9% of the dollars against 2.2%, behind Peoples Bank and Trust Company, Rocket Mortgage and Capitol Federal Savings Bank; in Lawrence its share fell to 2.0% from 3.7%. Possible reasons are its lower dollar volume and its small loans, which carry little weight in a dollar share.
30.2% of its loans went to low- and moderate-income (LMI) borrowers, against 26.7% for peers, more than about two in three similar lenders. Its share in LMI tracts, 16.7%, was a little above the 15.6% of peers.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Emprise Bank took 1,073 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 36.6% · Refinance 27.6% · Purchase 23.7% · Other 12.2%
Conventional 100.0% · of 617 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Kansas | 598 | 96.9% |
| Missouri | 7 | 1.1% |
| Nebraska | 6 | 1.0% |
| New York | 2 | 0.3% |
| Alabama | 1 | 0.2% |
| Arizona | 1 | 0.2% |
| Iowa | 1 | 0.2% |
| Oklahoma | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wichita | 472 |
| Lawrence | 22 |
| Kansas City | 17 |
| Omaha | 6 |
| Topeka | 4 |
| Manhattan | 2 |
| Daphne-Fairhope-Foley | 1 |
| Davenport-Moline-Rock Island | 1 |
| Kingston | 1 |
| Nassau County-Suffolk County | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | D32W5EBLENJC27207O81 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 65858 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 34789 | 1990–2017 |
Established 21 May 1910. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Emprise Bank's data.
Emprise Bank's data
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Emprise Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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