Envista Federal Credit Union mortgage approval rate & lending review
Envista Federal Credit Union decided 1,935 mortgage applications and funded 1,397 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Envista Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Envista Federal Credit Union at a glance
Approval is 10.2 points above the 73.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 447 / 475 | 88% | $155K | 394 |
| Home improvement loans | 77% | 395 / 510 | 90% | $45K | 354 |
| Cash-out refinance | 81% | 483 / 596 | 80% | $55K | 386 |
| Refinance | 76% | 147 / 193 | 79% | $65K | 116 |
| Investment property purchase | 99% | 109 / 110 | 99% | $95K | 108 |
| Investment cash-out refinance | 74% | 29 / 39 | 93% | $65K | 27 |
Envista Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Kansas | 84% | $55K | 1,926 | 1,391 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Envista Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Shawnee County, KS | Mortgage lenders | 94% | 428 | 353 |
| Shawnee County, KS | Cash-out refinance | 81% | 530 | 344 |
| Shawnee County, KS | Home improvement loans | 77% | 419 | 289 |
| Shawnee County, KS | Refinance | 74% | 172 | 98 |
| Shawnee County, KS | Investment property purchase | 100% | 97 | 96 |
| Douglas County, KS | Home improvement loans | 83% | 70 | 52 |
| Douglas County, KS | Cash-out refinance | 79% | 47 | 29 |
| Douglas County, KS | Mortgage lenders | 88% | 26 | 22 |
The county markets where Envista Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Envista Federal Credit Union
What is Envista Federal Credit Union's mortgage approval rate?
Envista Federal Credit Union approved 83.8% of the 1,935 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.2 points above the 73.6% national rate for the same mix of loan types.
How often do borrowers take the loan Envista Federal Credit Union offers?
Borrowers accepted 86% of the loans Envista Federal Credit Union approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Envista Federal Credit Union make?
The typical cash-out refinance loan Envista Federal Credit Union made was $55K; across all loan types its typical loan ran from $45K to $155K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Envista Federal Credit Union lend?
Envista Federal Credit Union decided applications in 4 of the states Fat Boy Data covers, most of them in Kansas, Missouri and Oklahoma.
Can I apply to Envista Federal Credit Union directly?
Yes. Envista Federal Credit Union is a bank or credit union with 10 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Envista Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Envista Federal Credit Union treats applications, then get a rate quote from the lender.