# Envista Credit Union

> **Canonical URL:** https://saferate.com/lenders/envista-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Envista Credit Union is a credit union, headquartered in Topeka, KS, serving borrowers across 2 states, with 282 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 23% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 26% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300FV8093AKDLHQ80
- **Headquarters:** Topeka, KS
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** KS, MO
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 77/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 74/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.140%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,132
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 282
- **Dollar Volume:** $44 million
- **Applications Received:** 433
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $157,270
- **Average Borrower Income:** $99,784
- **Average Property Value:** $229,433

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (78%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 69/100 | 280 | +0.144% | $1,119 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 182 loans, Score: 65/100 (Strong)
- Refinance: 98 loans, Score: 72/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 62/100 | 184 | $34M | +0.210% | Strong 😀 |
| Refinance | 71/100 | 98 | $11M | +0.021% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| KS | 277 | 0.92% | 89/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Topeka, KS | KS | 239 | 100/100 |
| Non |  | 15 | 27/100 |
| Lawrence, KS | KS | 12 | 48/100 |
| Kansas City, MO | MO-KS | 10 | 42/100 |

## Where This Lender Ranks

Envista Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Topeka, KS for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/topeka-ks/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Kansas Credit Unions
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Kansas for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Topeka, KS
  - [View Full Rankings](https://saferate.com/topeka-ks/best-mortgage-lenders)
- 🥈 **#2** in Lawrence, KS for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/lawrence-ks/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Topeka, KS for Conventional Loans
  - [View Full Rankings](https://saferate.com/topeka-ks/best-mortgage-lenders/conventional-loans)
- 🏆 **#9** in Kansas
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders)
- 🏆 **#10** in Lawrence, KS for Conventional Loans
  - [View Full Rankings](https://saferate.com/lawrence-ks/best-mortgage-lenders/conventional-loans)
- 🏆 **#11** in Kansas for Conventional Loans
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Envista Credit Union offer?

Envista Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Envista Credit Union offer mortgages?

Envista Credit Union offers mortgages in 2 states: KS, MO.

### How competitive are Envista Credit Union's mortgage rates?

Envista Credit Union has a pricing score of 77/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.140% above market average.

### What type of lender is Envista Credit Union?

Envista Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Topeka, KS.

### What is Envista Credit Union's loan approval success rate?

Envista Credit Union has a pull-through score of 74/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/envista-credit-union

### How to Cite

> "Envista Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/envista-credit-union

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