Envoy Mortgage in Indiana vs the state
2.2%Denial rate-14.35 pts vs state
2.8%Decision denial rate-17.30 pts vs state
75.6%Origination rate+13.31 pts vs state
6.75%Median rate0.00 pts vs state
0.65Rate spread (pts)+0.28 pts vs state
$77kMedian applicant income
136Loans originated
4Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 52 | 42 | 3.9% | 6.88% | #317 |
| 2024 | 88 | 55 | 4.6% | 7.13% | #267 |
| 2025 | 180 | 136 | 2.2% | 6.75% | #213 |
What Envoy Mortgage lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Envoy Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Vanderburgh County | 57 | 42 | 2 | 3.5% |
| Allen County | 49 | 39 | 0 | 0.0% |
| Madison County | 9 | 6 | 1 | 11.1% |
| Warrick County | 7 | 6 | 0 | 0.0% |
| Tippecanoe County | 6 | 3 | 0 | 0.0% |
| Gibson County | 4 | 4 | 0 | 0.0% |
| Posey County | 4 | 4 | 0 | 0.0% |
| Clark County | 3 | 2 | 0 | 0.0% |
| Spencer County | 3 | 3 | 0 | 0.0% |
| Floyd County | 3 | 3 | 0 | 0.0% |
Other large lenders in Indiana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 13,503 | 18.6% | 6.75% |
| Ruoff Mortgage Company | A | 8,860 | 4.0% | 6.75% |
| Fifth Third Bank | D | 8,693 | 27.6% | 7.75% |
| United Shore Financial Services | B | 8,659 | 12.2% | 6.38% |
| Freedom Mortgage | B | 5,454 | 8.9% | 6.25% |
| Newrez | D | 5,421 | 18.2% | 6.63% |
| First Merchants Bank | C | 5,114 | 19.9% | 6.76% |
| Fairway Independent Mortgage | B | 4,813 | 7.4% | 6.75% |
| Mortgage Research Center | C | 4,791 | 19.0% | 6.25% |
| PNC Bank | D | 4,724 | 25.1% | 7.55% |
Frequently asked questions
Indiana: 180 applications in 2025, of which 136 were originated and 4 denied.
2.2% of all applications, or 2.8% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Envoy Mortgage originated in Indiana in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Envoy Mortgage's own HMDA filing for properties located in Indiana, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology