Envoy Mortgage in Kentucky vs the state
6.3%Denial rate-12.52 pts vs state
9.6%Decision denial rate-13.92 pts vs state
59.4%Origination rate+1.40 pts vs state
6.63%Median rate-0.13 pts vs state
0.49Rate spread (pts)+0.18 pts vs state
$99kMedian applicant income
85Loans originated
9Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 184 | 115 | 4.9% | 6.88% | #132 |
| 2024 | 230 | 154 | 7.0% | 6.99% | #121 |
| 2025 | 143 | 85 | 6.3% | 6.63% | #170 |
What Envoy Mortgage lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Envoy Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 66 | 39 | 5 | 7.6% |
| Fayette County | 18 | 12 | 1 | 5.6% |
| Madison County | 11 | 6 | 0 | 0.0% |
| Henry County | 6 | 3 | 0 | 0.0% |
| Oldham County | 4 | 1 | 0 | 0.0% |
| Carroll County | 3 | 2 | 1 | 33.3% |
| Jessamine County | 3 | 2 | 0 | 0.0% |
| Scott County | 3 | 2 | 0 | 0.0% |
| Hardin County | 3 | 1 | 1 | 33.3% |
| Harrison County | 2 | 1 | 0 | 0.0% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 143 applications in 2025, of which 85 were originated and 9 denied.
6.3% of all applications, or 9.6% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Envoy Mortgage originated in Kentucky in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Envoy Mortgage's own HMDA filing for properties located in Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology