Envoy Mortgage in Wisconsin vs the state
8.0%Denial rate-5.97 pts vs state
10.1%Decision denial rate-6.25 pts vs state
71.4%Origination rate+3.28 pts vs state
6.63%Median rate0.00 pts vs state
0.32Rate spread (pts)+0.20 pts vs state
$80kMedian applicant income
160Loans originated
18Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 355 | 258 | 4.5% | 6.88% | #95 |
| 2024 | 169 | 114 | 11.2% | 7.00% | #156 |
| 2025 | 224 | 160 | 8.0% | 6.63% | #144 |
What Envoy Mortgage lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Envoy Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Calumet County | 37 | 30 | 3 | 8.1% |
| Sheboygan County | 22 | 13 | 4 | 18.2% |
| Manitowoc County | 21 | 11 | 4 | 19.0% |
| Eau Claire County | 20 | 17 | 0 | 0.0% |
| Chippewa County | 18 | 12 | 1 | 5.6% |
| Dane County | 14 | 9 | 1 | 7.1% |
| Rock County | 13 | 9 | 0 | 0.0% |
| Milwaukee County | 8 | 5 | 2 | 25.0% |
| Outagamie County | 6 | 5 | 1 | 16.7% |
| Fond du Lac County | 5 | 4 | 0 | 0.0% |
Other large lenders in Wisconsin
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Summit Credit Union | A | 15,483 | 13.8% | 6.75% |
| University of Wisconsin Credit Union | A | 11,781 | 13.8% | 6.50% |
| Landmark Credit Union | A | 9,393 | 17.7% | 6.50% |
| Rocket Mortgage | C | 7,819 | 18.0% | 6.63% |
| Associated Bank | B | 7,451 | 23.7% | 6.88% |
| BMO Bank | F | 5,202 | 25.3% | 8.23% |
| Educators Credit Union | B | 4,930 | 24.3% | 6.95% |
| U.S. Bank | D | 4,710 | 26.0% | 6.88% |
| Covantage Credit Union | B | 4,581 | 7.7% | 6.50% |
| United Shore Financial Services | B | 4,421 | 11.8% | 6.38% |
Frequently asked questions
Wisconsin: 224 applications in 2025, of which 160 were originated and 18 denied.
8.0% of all applications, or 10.1% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Envoy Mortgage originated in Wisconsin 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 Wisconsin, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology