Envoy Mortgage in Ohio vs the state
6.1%Denial rate-11.59 pts vs state
8.7%Decision denial rate-13.17 pts vs state
62.9%Origination rate+3.01 pts vs state
6.63%Median rate-0.25 pts vs state
0.26Rate spread (pts)-0.13 pts vs state
$97kMedian applicant income
134Loans originated
13Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 51 | 39 | 2.0% | 7.13% | #396 |
| 2024 | 81 | 54 | 6.2% | 6.63% | #336 |
| 2025 | 213 | 134 | 6.1% | 6.63% | #228 |
What Envoy Mortgage lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Envoy Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 54 | 35 | 5 | 9.3% |
| Lorain County | 36 | 22 | 2 | 5.6% |
| Montgomery County | 29 | 16 | 1 | 3.4% |
| Franklin County | 25 | 18 | 0 | 0.0% |
| Summit County | 12 | 7 | 1 | 8.3% |
| Lake County | 8 | 5 | 2 | 25.0% |
| Warren County | 5 | 3 | 0 | 0.0% |
| Hamilton County | 5 | 2 | 2 | 40.0% |
| Portage County | 4 | 4 | 0 | 0.0% |
| Miami County | 3 | 2 | 0 | 0.0% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 213 applications in 2025, of which 134 were originated and 13 denied.
6.1% of all applications, or 8.7% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Envoy Mortgage originated in Ohio in 2025 was 6.63%, against a statewide median of 6.88%.
About this data. Figures are Envoy Mortgage's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology