Envoy Mortgage in California vs the state
3.9%Denial rate-13.53 pts vs state
5.2%Decision denial rate-17.18 pts vs state
70.3%Origination rate+14.07 pts vs state
6.50%Median rate-0.13 pts vs state
0.21Rate spread (pts)-0.06 pts vs state
$153kMedian applicant income
416Loans originated
23Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 565 | 403 | 3.2% | 6.50% | #205 |
| 2024 | 488 | 347 | 2.3% | 6.63% | #248 |
| 2025 | 592 | 416 | 3.9% | 6.50% | #237 |
What Envoy Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Envoy Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Contra Costa County | 97 | 71 | 1 | 1.0% |
| San Luis Obispo County | 82 | 64 | 2 | 2.4% |
| San Bernardino County | 52 | 30 | 7 | 13.5% |
| Los Angeles County | 49 | 32 | 3 | 6.1% |
| Alameda County | 47 | 30 | 2 | 4.3% |
| Sacramento County | 36 | 26 | 1 | 2.8% |
| Yolo County | 27 | 18 | 2 | 7.4% |
| Solano County | 21 | 15 | 1 | 4.8% |
| Orange County | 20 | 12 | 1 | 5.0% |
| San Joaquin County | 19 | 15 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 592 applications in 2025, of which 416 were originated and 23 denied.
3.9% of all applications, or 5.2% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Envoy Mortgage originated in California in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Envoy Mortgage's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology