Envoy Mortgage in Colorado vs the state
0.4%Denial rate-15.20 pts vs state
0.6%Decision denial rate-19.03 pts vs state
67.5%Origination rate+7.50 pts vs state
6.63%Median rate0.00 pts vs state
0.58Rate spread (pts)+0.43 pts vs state
$104kMedian applicant income
158Loans originated
1Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 6 | 0.0% | 7.56% | #573 |
| 2024 | 205 | 131 | 2.4% | 6.88% | #161 |
| 2025 | 234 | 158 | 0.4% | 6.63% | #165 |
What Envoy Mortgage lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Envoy Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| El Paso County | 32 | 25 | 0 | 0.0% |
| Arapahoe County | 29 | 19 | 1 | 3.4% |
| Adams County | 27 | 23 | 0 | 0.0% |
| Denver County | 25 | 15 | 0 | 0.0% |
| Weld County | 24 | 17 | 0 | 0.0% |
| Jefferson County | 19 | 12 | 0 | 0.0% |
| Pueblo County | 18 | 11 | 0 | 0.0% |
| Douglas County | 16 | 11 | 0 | 0.0% |
| Mesa County | 11 | 6 | 0 | 0.0% |
| Larimer County | 8 | 6 | 0 | 0.0% |
Other large lenders in Colorado
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 23,111 | 8.8% | 6.13% |
| ENT Credit Union | B | 13,238 | 20.9% | 7.50% |
| Rocket Mortgage | C | 11,486 | 15.7% | 6.61% |
| Guild Mortgage | A | 6,232 | 3.1% | 6.62% |
| Bellco Credit Union | F | 5,863 | 40.9% | 8.00% |
| U.S. Bank | D | 4,978 | 36.0% | 7.95% |
| American Financing | D | 4,937 | 41.3% | 6.38% |
| FirstBank | C | 4,929 | 15.6% | 7.00% |
| Canvas Credit Union | C | 4,889 | 13.7% | 7.89% |
| Elevations | C | 4,426 | 10.8% | 6.88% |
Frequently asked questions
Colorado: 234 applications in 2025, of which 158 were originated and 1 denied.
0.4% of all applications, or 0.6% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Envoy Mortgage originated in Colorado in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Envoy Mortgage's own HMDA filing for properties located in Colorado, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology