Envoy Mortgage in Kansas vs the state
3.5%Denial rate-11.58 pts vs state
4.4%Decision denial rate-13.93 pts vs state
75.9%Origination rate+12.04 pts vs state
6.88%Median rate+0.25 pts vs state
0.38Rate spread (pts)+0.08 pts vs state
$102kMedian applicant income
44Loans originated
2Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 19 | 15 | 0.0% | 7.13% | #285 |
| 2025 | 58 | 44 | 3.5% | 6.88% | #212 |
What Envoy Mortgage lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most Envoy Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Johnson County | 33 | 25 | 1 | 3.0% |
| Wyandotte County | 12 | 11 | 0 | 0.0% |
| Leavenworth County | 5 | 4 | 0 | 0.0% |
| Douglas County | 3 | 2 | 1 | 33.3% |
| Sedgwick County | 2 | 0 | 0 | 0.0% |
| Miami County | 2 | 1 | 0 | 0.0% |
| Osage County | 1 | 1 | 0 | 0.0% |
Other large lenders in Kansas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 5,303 | 18.0% | 6.63% |
| Communityamerica Credit Union | B | 3,575 | 12.4% | 6.38% |
| United Shore Financial Services | B | 2,545 | 11.4% | 6.38% |
| Mortgage Research Center | C | 2,389 | 15.1% | 6.25% |
| Fairway Independent Mortgage | B | 2,360 | 2.0% | 6.63% |
| Pennymac Loan Services | C | 2,103 | 10.8% | 6.49% |
| Credit Union of America | C | 1,940 | 22.9% | 7.75% |
| Capitol Federal Savings Bank | B | 1,873 | 12.6% | 6.75% |
| Guild Mortgage | A | 1,549 | 3.6% | 6.63% |
| U.S. Bank | D | 1,534 | 31.4% | 7.28% |
Frequently asked questions
Kansas: 58 applications in 2025, of which 44 were originated and 2 denied.
3.5% of all applications, or 4.4% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans Envoy Mortgage originated in Kansas in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Envoy Mortgage's own HMDA filing for properties located in Kansas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology