Envoy Mortgage in Florida vs the state
4.9%Denial rate-16.21 pts vs state
7.0%Decision denial rate-20.22 pts vs state
63.6%Origination rate+10.95 pts vs state
6.63%Median rate0.00 pts vs state
0.53Rate spread (pts)+0.27 pts vs state
$118kMedian applicant income
105Loans originated
8Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 255 | 167 | 4.7% | 6.50% | #343 |
| 2024 | 167 | 110 | 7.2% | 7.00% | #401 |
| 2025 | 165 | 105 | 4.9% | 6.63% | #405 |
What Envoy Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Envoy Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Leon County | 28 | 20 | 0 | 0.0% |
| Miami-Dade County | 20 | 14 | 3 | 15.0% |
| Brevard County | 14 | 7 | 0 | 0.0% |
| Hillsborough County | 11 | 5 | 1 | 9.1% |
| St. Lucie County | 8 | 8 | 0 | 0.0% |
| Orange County | 7 | 6 | 0 | 0.0% |
| Broward County | 6 | 3 | 1 | 16.7% |
| Pinellas County | 6 | 3 | 0 | 0.0% |
| Sarasota County | 5 | 3 | 0 | 0.0% |
| Duval County | 5 | 0 | 1 | 20.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 165 applications in 2025, of which 105 were originated and 8 denied.
4.9% of all applications, or 7.0% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Envoy Mortgage originated in Florida 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 Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology