Envoy Mortgage in Arizona vs the state
10.0%Denial rate-6.23 pts vs state
13.4%Decision denial rate-6.99 pts vs state
64.5%Origination rate+5.02 pts vs state
6.63%Median rate+0.13 pts vs state
0.34Rate spread (pts)+0.12 pts vs state
$136kMedian applicant income
129Loans originated
20Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 167 | 129 | 3.6% | 6.63% | #171 |
| 2024 | 159 | 109 | 6.9% | 6.99% | #187 |
| 2025 | 200 | 129 | 10.0% | 6.63% | #177 |
What Envoy Mortgage lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Envoy Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 125 | 87 | 12 | 9.6% |
| Yavapai County | 48 | 24 | 8 | 16.7% |
| Mohave County | 9 | 7 | 0 | 0.0% |
| Pinal County | 5 | 4 | 0 | 0.0% |
| Pima County | 5 | 2 | 0 | 0.0% |
| Navajo County | 4 | 2 | 0 | 0.0% |
| Coconino County | 3 | 2 | 0 | 0.0% |
| La Paz County | 1 | 1 | 0 | 0.0% |
Other large lenders in Arizona
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 25,383 | 10.2% | 6.25% |
| Rocket Mortgage | C | 17,947 | 15.6% | 6.75% |
| Desert Financial Credit Union | B | 16,970 | 24.3% | 6.49% |
| Crosscountry Mortgage | B | 7,570 | 3.8% | 6.58% |
| Fairway Independent Mortgage | B | 6,729 | 5.6% | 6.63% |
| Bank of America | F | 6,229 | 32.2% | 6.24% |
| Loandepot.Com | D | 6,180 | 16.1% | 5.99% |
| Pennymac Loan Services | C | 5,838 | 11.7% | 6.62% |
| Nova Financial & Investment | C | 5,380 | 16.2% | 6.49% |
| Freedom Mortgage | B | 4,991 | 7.0% | 6.00% |
Frequently asked questions
Arizona: 200 applications in 2025, of which 129 were originated and 20 denied.
10.0% of all applications, or 13.4% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Envoy Mortgage originated in Arizona in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Envoy Mortgage's own HMDA filing for properties located in Arizona, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology