# Emprise Bank

> **Canonical URL:** https://saferate.com/lenders/emprise-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Emprise Bank is a bank, headquartered in Wichita, KS, serving borrowers across 2 states, with 102 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 27% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 48% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** D32W5EBLENJC27207O81
- **Headquarters:** Wichita, KS
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** KS, NE
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 73/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 52/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.103%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $754
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 102
- **Dollar Volume:** $31 million
- **Applications Received:** 146
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $308,039
- **Average Borrower Income:** $211,275
- **Average Property Value:** $442,255

## Safe Rate Awards 🏆

- ⭐ **Purchase Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 43/100 | 96 | +0.103% | $754 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 76 loans, Score: 41/100 (Sound)
- Refinance: 20 loans, Score: 42/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 42/100 | 82 | $28M | +0.094% | Sound ☺️ |
| Refinance | 40/100 | 20 | $3M | +0.136% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| KS | 101 | 0.34% | 78/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Wichita, KS | KS | 76 | 76/100 |
| Non |  | 18 | 34/100 |

## Where This Lender Ranks

Emprise Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Wichita, KS for Jumbo Loans
  - [View Full Rankings](https://saferate.com/wichita-ks/best-mortgage-lenders/jumbo-loans)
- 🥈 **#2** in Wichita, KS for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/wichita-ks/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#6** in Wichita, KS Banks
  - [View Full Rankings](https://saferate.com/wichita-ks/best-mortgage-lenders/banks)
- 🏆 **#12** in Kansas for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#15** in Kansas for Jumbo Loans
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/jumbo-loans)
- 🏆 **#15** in Wichita, KS
  - [View Full Rankings](https://saferate.com/wichita-ks/best-mortgage-lenders)
- 🏆 **#15** in Wichita, KS for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/wichita-ks/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Emprise Bank offer?

Emprise Bank offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Emprise Bank offer mortgages?

Emprise Bank offers mortgages in 2 states: KS, NE.

### How competitive are Emprise Bank's mortgage rates?

Emprise Bank has a pricing score of 73/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.103% above market average.

### What type of lender is Emprise Bank?

Emprise Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Wichita, KS.

### What is Emprise Bank's loan approval success rate?

Emprise Bank has a pull-through score of 52/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/emprise-bank

### How to Cite

> "Emprise Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/emprise-bank

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