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Envista Credit Union

Credit Union•Topeka, KSHQ•Direct•Reviews near you on Google

Envista Credit Union has 282 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
Conventional
Place
Strong
4/5
Regional · 3 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees
  • Strong pull through performance

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Report Card

Envista Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+14.0 bps above market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
280 loans · 0.14% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
184 loans · 0.21% above market
Strong
Top 40% of lenders
4/5
Refinance
98 loans · 0.02% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Regional · 4 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume280
Mix99.3%
Spread
+0.144%Above
Fees
$1,119Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume184
Mix65.2%
Spread
+0.210%Above
Fees
$1,370Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume98
Mix34.8%
Spread
+0.021%Above
Fees
$725Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
282
Applications
433
Volume
$44 million
Pricing & Closing
Avg Rate Spread
+0.140%
vs. market APOR
Avg Net Fees
$1,132
Origination − Credits
Pullthrough Rate
65.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$157,270
Avg Borrower Income
$99,784
Avg Property Value
$229,433

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

2Full-year 2024 · HMDA
2 states with loan originations
Loans originated
< 200200+None
Midwest2
KSMO

Top Metro Areas by Place Specialization Score

1© w_lemay · CC BY-SA 2.0
Topeka, KSMetro
Volume 239Mix 84.75% of portfolio
100/100
Exceptional
2© Quasselkasper · Public domain
Lawrence, KSMetro
Volume 12Mix 4.26% of portfolio
48/100
Sound
3© Lasse Fuss · CC BY-SA 3.0
Kansas City, MO, MO-KSMetro
Volume 10Mix 3.55% of portfolio
42/100
Sound

Top States by Place Specialization Score

Kansas
Kansas
1
KansasState
Volume 277Mix 98.23% of portfolio
89/100
Exceptional

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.