Envista Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
21st20.5% deniedPricingmedian rate spread over APOR, weight 30%
10th0.69 ptsProcesswithdrawn + incomplete share, weight 15%
96th3.6%Closing coststotal loan costs ÷ loan amount, weight 10%
80th1.50% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,018 | 646 | 19.3% | 20.8% | 7.13% | $60M |
| 2024 | 1,057 | 723 | 17.4% | 17.7% | 7.13% | $74M |
| 2025 | 1,042 | 713 | 19.8% | 20.5% | 6.90% | $75M |
What Envista Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 292 home-equity lines, 0 reverse mortgages, 7 manufactured homes, 73 investment properties.
Why Envista Credit Union denies applications
Primary reason reported for each of the 206 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Envista Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 151 | 70 | 45.3% |
| $50k – $100k | 363 | 224 | 24.7% |
| $100k – $150k | 262 | 198 | 14.0% |
| $150k – $250k | 159 | 128 | 9.7% |
| Over $250k | 36 | 29 | 2.9% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 29 | 20 | 21.4% |
| 25–34 | 164 | 112 | 19.9% |
| 35–44 | 214 | 150 | 19.4% |
| 45–54 | 203 | 133 | 21.8% |
| 55–64 | 173 | 119 | 22.0% |
| 65–74 | 156 | 95 | 24.0% |
| Over 74 | 46 | 29 | 26.1% |
Where Envista Credit Union lends
3 states and 29 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Kansas | 1,040 | 712 | 19.8% | 6.90% | #22 |
Frequently asked questions
Envista Credit Union denied 20.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 21st percentile of mid-size mortgage lenders.
The most common reason Envista Credit Union gave in 2025 was "credit history", cited on 45.1% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Envista Credit Union originated in 2025 was 6.90%, and its median rate spread over the average prime offer rate was 0.69 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 22% of its applications were for home purchases, 30% for refinancing (including cash-out), and 48% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.