Envoy Mortgage Ltd Rates, Fees & Info

AUSTIN, TX

LEI: 549300J6N77Q8OHYNF23

Tax ID: 76-0700342

3.5 stars - out of 5 stars, based on 122 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Review & Overview

    Envoy Mortgage Ltd is a mid-sized mortgage company specializing in Home Purchase and Refi loans. Envoy Mortgage Ltd has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: New York, Boston, Houston, Philadelphia, and Phoenix among others. We have data for 338 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Envoy Mortgage Ltd has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Envoy Mortgage Ltd is typically an average fee lender. They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender in 2021-- chances are they are still one in 2022.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    30 Year Conventional Purchase 5.33% 8/6/22
    30 Year Conventional Refi 5.48% 8/6/22
    30 Year Cash-out Refi 5.67% 8/6/22
    30 Year FHA Purchase 6.07% 8/6/22
    30 Year FHA Refi 6.04% 8/6/22
    30 Year VA Purchase 5.25% 8/6/22
    30 Year VA Refi 5.08% 8/6/22
    30 Year USDA Purchase 5.55% 8/6/22
    30 Year USDA Refi 5.95% 8/6/22
    15 Year Conventional Purchase 4.50% 8/6/22
    15 Year Conventional Refi 4.55% 8/6/22
    15 Year Cash-out Refi 4.55% 8/6/22
    15 Year FHA Purchase 6.17% 8/6/22
    15 Year FHA Refi 5.95% 8/6/22
    15 Year VA Purchase 4.49% 8/6/22
    15 Year VA Refi 4.60% 8/6/22
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    14,823

    Origination Dollar Volume (All Markets)

    $4,449,885,000
    Show all (6) awards

    Relative Rate

    Envoy Mortgage Ltd's average 30 year fixed rate mortgage of loans were 3.23%.

    The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

    This yields a difference of 0.08%.

    Relative Fees

    Envoy Mortgage Ltd's average total fees for a 30 year fixed rate mortgage are $6,027.

    The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) » 1,031 $444,415,000 $431,052 $6,492 3.06%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) » 1,004 $365,340,000 $363,884 $4,281 3.01%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) » 737 $219,645,000 $298,026 $7,199 3.18%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) » 660 $190,870,000 $289,197 $6,938 3.18%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) » 525 $160,915,000 $306,505 $5,185 3.20%
    WORCESTER, MA-CT (FHA|USDA|VA) » 519 $158,555,000 $305,501 $5,006 3.21%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) » 247 $132,675,000 $537,146 $6,397 3.07%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) » 408 $130,650,000 $320,221 $6,321 3.11%
    ROCKFORD, IL (FHA|USDA|VA) » 833 $118,375,000 $142,107 $4,780 3.34%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) » 409 $117,495,000 $287,274 $4,665 3.18%
    SALINAS, CA (FHA|USDA|VA) » 308 $115,090,000 $373,669 $7,072 3.20%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) » 220 $106,660,000 $484,818 $6,080 2.97%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) » 320 $98,210,000 $306,906 $6,702 3.15%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) » 216 $97,020,000 $449,167 $6,104 3.06%
    Outside of Metro Areas 398 $90,420,000 $227,186 $5,330 3.25%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) » 241 $88,995,000 $369,274 $6,031 3.15%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) » 254 $77,840,000 $306,457 $4,954 3.04%
    COLUMBUS, GA-AL (FHA|USDA|VA) » 312 $70,700,000 $226,603 $7,625 3.12%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) » 327 $68,275,000 $208,792 $5,005 3.24%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) » 316 $61,450,000 $194,462 $3,851 3.22%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) » 224 $55,100,000 $245,982 $5,882 3.21%
    MERCED, CA (FHA|USDA|VA) » 196 $54,710,000 $279,133 $8,101 3.09%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) » 155 $54,185,000 $349,581 $6,830 3.08%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) » 129 $48,555,000 $376,395 $8,845 3.08%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) » 173 $47,225,000 $272,977 $5,854 3.21%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) » 88 $44,160,000 $501,818 $6,829 3.14%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) » 103 $42,945,000 $416,942 $5,824 3.11%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) » 188 $40,940,000 $217,766 $4,168 3.20%
    Oak Harbor, WA (FHA|USDA|VA) » 107 $39,055,000 $365,000 $8,118 2.83%
    MODESTO, CA (FHA|USDA|VA) » 113 $37,935,000 $335,708 $6,426 3.25%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) » 86 $37,250,000 $433,140 $7,516 3.21%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) » 100 $36,820,000 $368,200 $6,154 3.10%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) » 172 $36,570,000 $212,616 $3,706 3.13%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) » 118 $33,410,000 $283,136 $4,283 3.04%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) » 51 $27,865,000 $546,373 $5,246 3.18%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) » 95 $27,835,000 $293,000 $4,866 3.11%
    FRESNO, CA (FHA|USDA|VA) » 85 $25,795,000 $303,471 $6,725 3.21%
    COLUMBUS, OH (FHA|USDA|VA) » 93 $23,965,000 $257,688 $4,662 3.32%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) » 111 $23,895,000 $215,270 $3,523 3.20%
    MISSOULA, MT (FHA|USDA|VA) » 63 $23,895,000 $379,286 $5,643 3.16%
    Enterprise, AL (FHA|USDA|VA) » 111 $23,075,000 $207,883 $5,618 3.17%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) » 97 $21,995,000 $226,753 $5,136 3.17%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) » 39 $21,265,000 $545,256 $6,823 3.10%
    Concord, NH (FHA|USDA|VA) » 79 $20,285,000 $256,772 $4,963 3.12%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) » 109 $19,745,000 $181,147 $4,668 3.45%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) » 44 $19,020,000 $432,273 $5,258 3.16%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) » 72 $18,300,000 $254,167 $6,391 3.10%
    Outside of Metro Areas 42 $16,830,000 $400,714 $6,886 3.29%
    Moses Lake, WA (FHA|USDA|VA) » 65 $15,525,000 $238,846 $4,880 3.24%
    SHEBOYGAN, WI (FHA|USDA|VA) » 81 $15,215,000 $187,840 $4,998 3.25%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) » 65 $14,155,000 $217,769 $5,024 3.11%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) » 44 $14,090,000 $320,227 $6,326 3.19%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) » 35 $13,715,000 $391,857 $6,781 3.26%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) » 48 $13,350,000 $278,125 $5,537 3.10%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) » 50 $13,270,000 $265,400 $7,852 3.23%
    MUSKEGON, MI (FHA|USDA|VA) » 77 $12,605,000 $163,701 $4,557 3.41%
    VALLEJO, CA (FHA|USDA|VA) » 32 $11,720,000 $366,250 $5,886 3.09%
    SPRINGFIELD, MA (FHA|USDA|VA) » 45 $11,425,000 $253,889 $6,132 3.31%
    MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) » 26 $11,300,000 $434,615 $7,435 3.20%
    Othello, WA (FHA|USDA|VA) » 44 $11,300,000 $256,818 $6,400 3.23%
    STOCKTON, CA (FHA|USDA|VA) » 29 $10,605,000 $365,690 $5,184 3.22%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) » 36 $10,480,000 $291,111 $6,198 3.20%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) » 27 $10,285,000 $380,926 $6,051 3.19%
    Laconia, NH (FHA|USDA|VA) » 39 $10,135,000 $259,872 $4,107 3.23%
    JACKSONVILLE, FL (FHA|USDA|VA) » 35 $10,055,000 $287,286 $6,543 3.21%
    SAGINAW, MI (FHA|USDA|VA) » 75 $9,975,000 $133,000 $4,378 3.41%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) » 34 $9,930,000 $292,059 $6,177 3.15%
    READING, PA (FHA|USDA|VA) » 38 $9,140,000 $240,526 $6,539 3.07%
    SALEM, OR (FHA|USDA|VA) » 29 $9,065,000 $312,586 $4,306 3.21%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) » 33 $9,045,000 $274,091 $6,886 3.09%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) » 32 $8,430,000 $263,438 $8,123 3.02%
    Rochelle, IL (FHA|USDA|VA) » 48 $8,390,000 $174,792 $4,927 3.49%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) » 24 $8,290,000 $345,417 $8,059 3.17%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) » 39 $7,855,000 $201,410 $5,217 3.29%
    YAKIMA, WA (FHA|USDA|VA) » 25 $7,135,000 $285,400 $8,014 3.26%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) » 20 $6,800,000 $340,000 $4,100 2.98%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) » 14 $6,720,000 $480,000 $5,737 3.11%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) » 29 $6,585,000 $227,069 $7,338 3.14%
    OCEAN CITY, NJ (FHA|USDA|VA) » 14 $6,390,000 $456,429 $5,811 2.95%
    Ozark, AL (FHA|USDA|VA) » 37 $6,355,000 $171,757 $4,871 3.41%
    BAY CITY, MI (FHA|USDA|VA) » 44 $6,090,000 $138,409 $3,637 3.42%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) » 13 $5,955,000 $458,077 $8,877 3.11%
    SALISBURY, MD-DE (FHA|USDA|VA) » 19 $5,715,000 $300,789 $6,572 3.46%
    VISALIA, CA (FHA|USDA|VA) » 24 $5,620,000 $234,167 $6,279 3.09%
    Keene, NH (FHA|USDA|VA) » 28 $5,540,000 $197,857 $4,727 3.27%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) » 21 $5,095,000 $242,619 $7,657 3.01%
    Torrington, CT (FHA|USDA|VA) » 19 $4,715,000 $248,158 $5,637 3.24%
    APPLETON, WI (FHA|USDA|VA) » 27 $4,705,000 $174,259 $3,727 3.25%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) » 9 $4,515,000 $501,667 $8,601 3.10%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) » 21 $4,505,000 $214,524 $5,970 3.14%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) » 12 $4,500,000 $375,000 $7,243 3.28%
    MADISON, WI (FHA|USDA|VA) » 19 $4,495,000 $236,579 $5,123 3.39%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) » 23 $4,335,000 $188,478 $6,533 3.23%
    RACINE, WI (FHA|USDA|VA) » 23 $4,335,000 $188,478 $3,025 3.19%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) » 18 $4,330,000 $240,556 $3,582 3.10%
    MADERA, CA (FHA|USDA|VA) » 16 $4,310,000 $269,375 $6,456 3.16%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) » 14 $4,300,000 $307,143 $6,088 3.14%
    BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) » 16 $4,090,000 $255,625 $7,317 3.19%
    Mount Sterling, KY (FHA|USDA|VA) » 22 $4,010,000 $182,273 $5,628 3.27%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) » 17 $3,975,000 $233,824 $6,174 3.31%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) » 15 $3,885,000 $259,000 $6,969 3.28%
    Newport, OR (FHA|USDA|VA) » 13 $3,865,000 $297,308 $5,125 3.25%
    MIDLAND, MI (FHA|USDA|VA) » 25 $3,845,000 $153,800 $3,809 3.38%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) » 15 $3,825,000 $255,000 $6,515 3.13%
    WAUSAU-WESTON, WI (FHA|USDA|VA) » 18 $3,820,000 $212,222 $4,341 3.25%
    DOTHAN, AL (FHA|USDA|VA) » 20 $3,420,000 $171,000 $5,285 3.46%
    Whitewater, WI (FHA|USDA|VA) » 15 $3,405,000 $227,000 $4,208 3.37%
    Lebanon, NH-VT (FHA|USDA|VA) » 15 $3,195,000 $213,000 $5,397 3.32%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) » 10 $3,150,000 $315,000 $8,165 3.41%
    Frankfort, KY (FHA|USDA|VA) » 15 $3,055,000 $203,667 $4,871 3.17%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) » 18 $2,990,000 $166,111 $5,970 3.20%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) » 15 $2,985,000 $199,000 $6,935 3.27%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) » 7 $2,965,000 $423,571 $5,389 3.12%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) » 13 $2,755,000 $211,923 $4,026 3.08%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) » 6 $2,710,000 $451,667 $5,317 3.33%
    FLINT, MI (FHA|USDA|VA) » 15 $2,475,000 $165,000 $3,671 3.23%
    Manitowoc, WI (FHA|USDA|VA) » 14 $2,430,000 $173,571 $4,262 3.21%
    Richmond-Berea, KY (FHA|USDA|VA) » 11 $2,295,000 $208,636 $5,331 3.22%
    WALLA WALLA, WA (FHA|USDA|VA) » 7 $2,165,000 $309,286 $7,739 3.18%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) » 5 $2,115,000 $423,000 $4,186 2.90%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) » 11 $2,075,000 $188,636 $7,164 3.14%
    Faribault-Northfield, MN (FHA|USDA|VA) » 7 $2,075,000 $296,429 $3,468 3.00%
    YUBA CITY, CA (FHA|USDA|VA) » 7 $1,995,000 $285,000 $7,286 3.20%
    ROANOKE, VA (FHA|USDA|VA) » 8 $1,950,000 $243,750 $4,836 3.09%
    Kalispell, MT (FHA|USDA|VA) » 5 $1,915,000 $383,000 $4,349 2.95%
    YORK-HANOVER, PA (FHA|USDA|VA) » 9 $1,895,000 $210,556 $7,599 3.06%
    BAKERSFIELD, CA (FHA|USDA|VA) » 9 $1,845,000 $205,000 $4,809 3.32%
    GAINESVILLE, FL (FHA|USDA|VA) » 8 $1,840,000 $230,000 $5,146 3.11%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) » 8 $1,810,000 $226,250 $8,144 3.16%
    NAPA, CA (FHA|USDA|VA) » 3 $1,745,000 $581,667 $17,469 2.92%
    LANCASTER, PA (FHA|USDA|VA) » 5 $1,735,000 $347,000 $7,752 3.35%
    DAYTON-KETTERING, OH (FHA|USDA|VA) » 8 $1,730,000 $216,250 $3,923 3.29%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) » 7 $1,665,000 $237,857 $4,072 3.25%
    Freeport, IL (FHA|USDA|VA) » 15 $1,635,000 $109,000 $5,169 3.31%
    PITTSFIELD, MA (FHA|USDA|VA) » 5 $1,565,000 $313,000 $4,506 3.10%
    EAST STROUDSBURG, PA (FHA|USDA|VA) » 6 $1,530,000 $255,000 $6,198 3.19%
    GREEN BAY, WI (FHA|USDA|VA) » 7 $1,505,000 $215,000 $5,340 3.36%
    Sonora, CA (FHA|USDA|VA) » 4 $1,450,000 $362,500 $6,947 2.94%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) » 5 $1,435,000 $287,000 $8,973 3.40%
    MOBILE, AL (FHA|USDA|VA) » 9 $1,435,000 $159,444 $6,065 3.21%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) » 7 $1,435,000 $205,000 $5,070 3.00%
    BELLINGHAM, WA (FHA|USDA|VA) » 3 $1,345,000 $448,333 $4,899 2.79%
    ST. CLOUD, MN (FHA|USDA|VA) » 5 $1,315,000 $263,000 $7,775 3.15%
    Bozeman, MT (FHA|USDA|VA) » 4 $1,290,000 $322,500 $4,880 3.59%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) » 4 $1,270,000 $317,500 $5,458 3.19%
    Holland, MI (FHA|USDA|VA) » 5 $1,265,000 $253,000 $5,295 3.45%
    CHICO, CA (FHA|USDA|VA) » 3 $1,225,000 $408,333 $13,369 3.17%
    Brainerd, MN (FHA|USDA|VA) » 5 $1,205,000 $241,000 $3,541 3.20%
    Aberdeen, WA (FHA|USDA|VA) » 5 $1,205,000 $241,000 $8,671 3.00%
    HANFORD-CORCORAN, CA (FHA|USDA|VA) » 4 $1,170,000 $292,500 $8,658 3.34%
    ANN ARBOR, MI (FHA|USDA|VA) » 5 $1,135,000 $227,000 $19,956 3.20%
    Beaver Dam, WI (FHA|USDA|VA) » 5 $1,115,000 $223,000 $5,960 3.35%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) » 5 $1,095,000 $219,000 $5,589 3.17%
    Dixon, IL (FHA|USDA|VA) » 10 $1,070,000 $107,000 $4,234 3.49%
    THE VILLAGES, FL (FHA|USDA|VA) » 5 $1,065,000 $213,000 $3,753 3.47%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) » 4 $1,040,000 $260,000 $6,123 3.15%
    FLAGSTAFF, AZ (FHA|USDA|VA) » 2 $1,010,000 $505,000 $6,392 3.00%
    RICHMOND, VA (FHA|USDA|VA) » 3 $1,005,000 $335,000 $6,595 2.92%
    Seneca, SC (FHA|USDA|VA) » 4 $1,000,000 $250,000 $8,023 3.19%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) » 3 $985,000 $328,333 $9,509 3.46%
    FOND DU LAC, WI (FHA|USDA|VA) » 5 $955,000 $191,000 $4,759 3.30%
    SPARTANBURG, SC (FHA|USDA|VA) » 6 $950,000 $158,333 $6,216 3.29%
    TUCSON, AZ (FHA|USDA|VA) » 3 $945,000 $315,000 $6,827 3.71%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) » 2 $940,000 $470,000 $8,033 3.63%
    PORT ST. LUCIE, FL (FHA|USDA|VA) » 4 $930,000 $232,500 $6,114 2.91%
    COLORADO SPRINGS, CO (FHA|USDA|VA) » 1 $915,000 $915,000 $4,202 3.00%
    YUMA, AZ (FHA|USDA|VA) » 3 $905,000 $301,667 $10,293 3.25%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) » 4 $890,000 $222,500 $8,192 2.97%
    Somerset, KY (FHA|USDA|VA) » 5 $885,000 $177,000 $6,983 3.08%
    Bardstown, KY (FHA|USDA|VA) » 5 $885,000 $177,000 $6,876 3.15%
    BOISE CITY, ID (FHA|USDA|VA) » 2 $880,000 $440,000 $9,477 3.00%
    DOVER, DE (FHA|USDA|VA) » 2 $860,000 $430,000 $6,536 3.38%
    BEND, OR (FHA|USDA|VA) » 2 $850,000 $425,000 $5,377 3.00%
    ROCHESTER, MN (FHA|USDA|VA) » 4 $850,000 $212,500 $3,249 3.19%
    KINGSTON, NY (FHA|USDA|VA) » 3 $835,000 $278,333 $4,193 3.21%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) » 3 $825,000 $275,000 $5,207 3.25%
    GETTYSBURG, PA (FHA|USDA|VA) » 3 $815,000 $271,667 $5,506 3.50%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) » 2 $810,000 $405,000 $4,878 2.94%
    REDDING, CA (FHA|USDA|VA) » 2 $790,000 $395,000 $7,531 3.19%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) » 2 $770,000 $385,000 $4,258 3.38%
    LYNCHBURG, VA (FHA|USDA|VA) » 3 $755,000 $251,667 $6,329 2.96%
    Ukiah, CA (FHA|USDA|VA) » 2 $750,000 $375,000 $7,385 2.94%
    TUSCALOOSA, AL (FHA|USDA|VA) » 3 $745,000 $248,333 $5,097 3.58%
    FORT COLLINS, CO (FHA|USDA|VA) » 2 $740,000 $370,000 $3,546 3.19%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) » 3 $735,000 $245,000 $4,378 3.25%
    Huntsville, TX (FHA|USDA|VA) » 2 $730,000 $365,000 $10,435 3.38%
    Eureka-Arcata, CA (FHA|USDA|VA) » 2 $720,000 $360,000 $5,665 3.00%
    Baraboo, WI (FHA|USDA|VA) » 3 $705,000 $235,000 $6,248 4.08%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) » 4 $700,000 $175,000 $4,841 3.53%
    Sandpoint, ID (FHA|USDA|VA) » 2 $700,000 $350,000 $5,382 3.00%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) » 4 $700,000 $175,000 $4,098 3.53%
    MONROE, MI (FHA|USDA|VA) » 3 $695,000 $231,667 $6,642 2.96%
    LEWISTON, ID-WA (FHA|USDA|VA) » 2 $690,000 $345,000 $12,482 2.56%
    Truckee-Grass Valley, CA (FHA|USDA|VA) » 2 $680,000 $340,000 $6,556 2.81%
    Barre, VT (FHA|USDA|VA) » 3 $675,000 $225,000 $7,059 3.79%
    PUNTA GORDA, FL (FHA|USDA|VA) » 3 $675,000 $225,000 $4,217 3.17%
    ALBANY-LEBANON, OR (FHA|USDA|VA) » 2 $670,000 $335,000 $8,159 3.00%
    LEWISTON-AUBURN, ME (FHA|USDA|VA) » 2 $660,000 $330,000 $9,065 3.31%
    Show Low, AZ (FHA|USDA|VA) » 2 $660,000 $330,000 $6,652 3.25%
    ASHEVILLE, NC (FHA|USDA|VA) » 2 $640,000 $320,000 $10,157 2.81%
    WENATCHEE, WA (FHA|USDA|VA) » 1 $635,000 $635,000 $10,411 3.63%
    Pottsville, PA (FHA|USDA|VA) » 3 $635,000 $211,667 $4,477 3.00%
    Alexandria, MN (FHA|USDA|VA) » 2 $630,000 $315,000 $3,341 3.19%
    OCALA, FL (FHA|USDA|VA) » 4 $620,000 $155,000 $7,474 2.91%
    DULUTH, MN-WI (FHA|USDA|VA) » 3 $605,000 $201,667 $4,688 3.25%
    Clewiston, FL (FHA|USDA|VA) » 3 $605,000 $201,667 $7,895 3.13%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) » 4 $570,000 $142,500 $4,163 4.09%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) » 1 $545,000 $545,000 $3,337 3.13%
    Key West, FL (FHA|USDA|VA) » 1 $545,000 $545,000 $7,285 3.38%
    AMARILLO, TX (FHA|USDA|VA) » 1 $525,000 $525,000 $5,617 2.88%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) » 3 $525,000 $175,000 $5,294 3.08%
    Ottawa, IL (FHA|USDA|VA) » 2 $520,000 $260,000 $9,147 2.75%
    MONTGOMERY, AL (FHA|USDA|VA) » 3 $515,000 $171,667 $5,340 2.79%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) » 3 $505,000 $168,333 $6,134 3.50%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) » 1 $505,000 $505,000 $9,656 2.75%
    Augusta-Waterville, ME (FHA|USDA|VA) » 2 $490,000 $245,000 $7,147 2.88%
    Payson, AZ (FHA|USDA|VA) » 2 $490,000 $245,000 $2,411 3.19%
    Centralia, WA (FHA|USDA|VA) » 2 $480,000 $240,000 $4,664 3.50%
    WACO, TX (FHA|USDA|VA) » 2 $470,000 $235,000 $4,810 3.31%
    HUNTSVILLE, AL (FHA|USDA|VA) » 2 $450,000 $225,000 $2,969 3.19%
    SAVANNAH, GA (FHA|USDA|VA) » 1 $425,000 $425,000 $4,275 3.00%
    MEDFORD, OR (FHA|USDA|VA) » 1 $425,000 $425,000 $4,215 2.75%
    EAU CLAIRE, WI (FHA|USDA|VA) » 2 $420,000 $210,000 $3,565 3.50%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) » 2 $420,000 $210,000 $2,944 3.56%
    Sterling, IL (FHA|USDA|VA) » 4 $420,000 $105,000 $3,837 3.53%
    BOWLING GREEN, KY (FHA|USDA|VA) » 2 $410,000 $205,000 $6,688 2.75%
    Kerrville, TX (FHA|USDA|VA) » 2 $410,000 $205,000 $4,483 3.94%
    Eufaula, AL-GA (FHA|USDA|VA) » 2 $410,000 $205,000 $9,037 3.19%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) » 1 $405,000 $405,000 $5,470 2.50%
    LaGrange, GA-AL (FHA|USDA|VA) » 3 $395,000 $131,667 $4,652 3.54%
    ALTOONA, PA (FHA|USDA|VA) » 1 $385,000 $385,000 $8,144 2.88%
    Roseburg, OR (FHA|USDA|VA) » 1 $385,000 $385,000 $6,796 3.25%
    Stevens Point, WI (FHA|USDA|VA) » 2 $380,000 $190,000 $3,360 2.88%
    Hutchinson, MN (FHA|USDA|VA) » 2 $380,000 $190,000 $4,640 3.13%
    Berlin, NH (FHA|USDA|VA) » 3 $365,000 $121,667 $4,449 2.92%
    Zanesville, OH (FHA|USDA|VA) » 2 $360,000 $180,000 $6,678 3.13%
    KNOXVILLE, TN (FHA|USDA|VA) » 1 $355,000 $355,000 $10,246 3.00%
    Madison, IN (FHA|USDA|VA) » 2 $350,000 $175,000 $6,419 3.19%
    Kill Devil Hills, NC (FHA|USDA|VA) » 1 $345,000 $345,000 $5,825 3.25%
    Ellensburg, WA (FHA|USDA|VA) » 1 $345,000 $345,000 $8,905 2.99%
    MANKATO, MN (FHA|USDA|VA) » 1 $345,000 $345,000 $3,497 3.25%
    JACKSON, MI (FHA|USDA|VA) » 1 $345,000 $345,000 $9,464 3.63%
    BATTLE CREEK, MI (FHA|USDA|VA) » 1 $335,000 $335,000 $9,388 2.88%
    PANAMA CITY, FL (FHA|USDA|VA) » 2 $330,000 $165,000 $3,147 3.38%
    LIMA, OH (FHA|USDA|VA) » 1 $325,000 $325,000 $9,362 2.88%
    London, KY (FHA|USDA|VA) » 3 $325,000 $108,333 $3,795 3.58%
    Cadillac, MI (FHA|USDA|VA) » 1 $325,000 $325,000 $2,944 2.88%
    LAFAYETTE, LA (FHA|USDA|VA) » 1 $325,000 $325,000 $4,468 3.25%
    St. Marys, GA (FHA|USDA|VA) » 1 $325,000 $325,000 $4,501 3.50%
    HINESVILLE, GA (FHA|USDA|VA) » 2 $320,000 $160,000 $4,336 3.56%
    Alma, MI (FHA|USDA|VA) » 3 $305,000 $101,667 $3,631 3.58%
    WARNER ROBINS, GA (FHA|USDA|VA) » 1 $305,000 $305,000 $3,501 3.00%
    Danville, KY (FHA|USDA|VA) » 2 $300,000 $150,000 $6,139 3.50%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) » 1 $295,000 $295,000 $4,045 3.25%
    Greenwood, MS (FHA|USDA|VA) » 3 $295,000 $98,333 $5,411 4.00%
    BILLINGS, MT (FHA|USDA|VA) » 1 $295,000 $295,000 $4,743 3.00%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) » 1 $295,000 $295,000 $10,839 4.25%
    Mount Pleasant, MI (FHA|USDA|VA) » 2 $290,000 $145,000 $2,772 3.31%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) » 1 $285,000 $285,000 $7,532 3.50%
    SYRACUSE, NY (FHA|USDA|VA) » 1 $285,000 $285,000 $3,569 3.50%
    Uvalde, TX (FHA|USDA|VA) » 2 $270,000 $135,000 $3,857 3.38%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) » 1 $265,000 $265,000 $8,965 3.63%
    EL PASO, TX (FHA|USDA|VA) » 1 $265,000 $265,000 $5,564 3.38%
    JACKSONVILLE, NC (FHA|USDA|VA) » 1 $265,000 $265,000 $3,584 3.25%
    Greensburg, IN (FHA|USDA|VA) » 2 $260,000 $130,000 $3,272 3.68%
    Vernon, TX (FHA|USDA|VA) » 1 $255,000 $255,000 $13,376 2.75%
    Albert Lea, MN (FHA|USDA|VA) » 1 $255,000 $255,000 $3,818 2.99%
    Batavia, NY (FHA|USDA|VA) » 1 $255,000 $255,000 $3,541 3.25%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) » 1 $255,000 $255,000 $13,175 2.75%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) » 2 $250,000 $125,000 $6,173 3.31%
    Union, SC (FHA|USDA|VA) » 2 $250,000 $125,000 $6,515 3.13%
    Willmar, MN (FHA|USDA|VA) » 1 $245,000 $245,000 $3,636 2.99%
    GREAT FALLS, MT (FHA|USDA|VA) » 1 $235,000 $235,000 $0 2.75%
    Susanville, CA (FHA|USDA|VA) » 1 $235,000 $235,000 $5,683 2.88%
    BATON ROUGE, LA (FHA|USDA|VA) » 1 $235,000 $235,000 $4,837 3.25%
    GLENS FALLS, NY (FHA|USDA|VA) » 1 $235,000 $235,000 $8,512 3.63%
    KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) » 1 $235,000 $235,000 $3,403 3.13%
    Pullman, WA (FHA|USDA|VA) » 2 $230,000 $115,000 $6,874 2.88%
    Winona, MN (FHA|USDA|VA) » 1 $225,000 $225,000 $10,623 3.13%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) » 1 $225,000 $225,000 $8,104 3.13%
    Americus, GA (FHA|USDA|VA) » 1 $225,000 $225,000 $4,167 2.63%
    The Dalles, OR (FHA|USDA|VA) » 1 $225,000 $225,000 $3,382 2.88%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) » 2 $220,000 $110,000 $4,674 2.81%
    Hermiston-Pendleton, OR (FHA|USDA|VA) » 1 $215,000 $215,000 $8,033 3.00%
    WINCHESTER, VA-WV (FHA|USDA|VA) » 1 $205,000 $205,000 $6,719 2.88%
    GAINESVILLE, GA (FHA|USDA|VA) » 1 $195,000 $195,000 $5,102 2.88%
    Lewisburg, TN (FHA|USDA|VA) » 1 $195,000 $195,000 $4,628 3.50%
    VINELAND-BRIDGETON, NJ (FHA|USDA|VA) » 1 $195,000 $195,000 $6,897 2.75%
    MIDLAND, TX (FHA|USDA|VA) » 1 $195,000 $195,000 $9,796 3.00%
    LUBBOCK, TX (FHA|USDA|VA) » 1 $185,000 $185,000 $3,852 3.38%
    Connersville, IN (FHA|USDA|VA) » 1 $185,000 $185,000 $4,371 2.75%
    Traverse City, MI (FHA|USDA|VA) » 1 $185,000 $185,000 $3,638 2.99%
    Murray, KY (FHA|USDA|VA) » 1 $185,000 $185,000 $3,458 3.25%
    Shawano, WI (FHA|USDA|VA) » 2 $180,000 $90,000 $4,042 3.88%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) » 2 $180,000 $90,000 $4,284 3.50%
    Cullowhee, NC (FHA|USDA|VA) » 1 $175,000 $175,000 $7,546 3.25%
    EVANSVILLE, IN-KY (FHA|USDA|VA) » 1 $175,000 $175,000 $9,412 3.13%
    Cedartown, GA (FHA|USDA|VA) » 1 $175,000 $175,000 $3,047 3.75%
    Blackfoot, ID (FHA|USDA|VA) » 1 $175,000 $175,000 $2,938 3.25%
    Troy, AL (FHA|USDA|VA) » 2 $170,000 $85,000 $3,596 2.75%
    MANSFIELD, OH (FHA|USDA|VA) » 1 $165,000 $165,000 $4,012 3.50%
    Shelby, NC (FHA|USDA|VA) » 1 $165,000 $165,000 $6,846 3.25%
    LAKE CHARLES, LA (FHA|USDA|VA) » 1 $165,000 $165,000 $3,902 2.50%
    Mount Vernon, OH (FHA|USDA|VA) » 1 $165,000 $165,000 $4,627 3.38%
    VICTORIA, TX (FHA|USDA|VA) » 1 $155,000 $155,000 $5,789 4.00%
    WINSTON-SALEM, NC (FHA|USDA|VA) » 1 $155,000 $155,000 $7,422 2.75%
    Palatka, FL (FHA|USDA|VA) » 1 $155,000 $155,000 $6,493 3.13%
    Helena, MT (FHA|USDA|VA) » 1 $155,000 $155,000 $3,457 3.13%
    Corsicana, TX (FHA|USDA|VA) » 1 $145,000 $145,000 $5,491 3.63%
    Rutland, VT (FHA|USDA|VA) » 1 $145,000 $145,000 $4,755 4.63%
    FAYETTEVILLE, NC (FHA|USDA|VA) » 1 $135,000 $135,000 $8,362 2.88%
    SPRINGFIELD, IL (FHA|USDA|VA) » 1 $135,000 $135,000 $2,339 3.50%
    Forest City, NC (FHA|USDA|VA) » 1 $135,000 $135,000 $9,972 4.00%
    Rockport, TX (FHA|USDA|VA) » 1 $135,000 $135,000 $4,519 3.25%
    Shelton, WA (FHA|USDA|VA) » 1 $125,000 $125,000 $4,125 3.13%
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) » 1 $125,000 $125,000 $6,514 3.50%
    Lufkin, TX (FHA|USDA|VA) » 1 $125,000 $125,000 $7,379 3.88%
    Pearsall, TX (FHA|USDA|VA) » 1 $125,000 $125,000 $3,754 3.63%
    Charleston-Mattoon, IL (FHA|USDA|VA) » 1 $125,000 $125,000 $2,413 3.63%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) » 1 $125,000 $125,000 $4,368 2.38%
    Jefferson, GA (FHA|USDA|VA) » 1 $125,000 $125,000 $4,737 3.63%
    Wauchula, FL (FHA|USDA|VA) » 1 $115,000 $115,000 $5,230 3.38%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) » 1 $115,000 $115,000 $3,881 3.63%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) » 1 $115,000 $115,000 $4,496 3.75%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) » 1 $115,000 $115,000 $3,377 3.50%
    Somerset, PA (FHA|USDA|VA) » 1 $105,000 $105,000 $6,250 3.13%
    New Castle, IN (FHA|USDA|VA) » 1 $105,000 $105,000 $2,719 3.38%
    Oneonta, NY (FHA|USDA|VA) » 1 $105,000 $105,000 $2,993 3.25%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) » 1 $95,000 $95,000 $4,499 4.38%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) » 1 $95,000 $95,000 $3,466 3.63%
    Greenwood, SC (FHA|USDA|VA) » 1 $95,000 $95,000 $3,959 3.63%
    Big Rapids, MI (FHA|USDA|VA) » 1 $95,000 $95,000 $5,135 3.63%
    LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) » 1 $85,000 $85,000 $2,124 3.88%
    PEORIA, IL (FHA|USDA|VA) » 1 $75,000 $75,000 $3,134 3.38%
    Martin, TN (FHA|USDA|VA) » 1 $75,000 $75,000 $3,208 4.00%
    Marinette, WI-MI (FHA|USDA|VA) » 1 $75,000 $75,000 $3,783 3.63%
    Martinsville, VA (FHA|USDA|VA) » 1 $65,000 $65,000 $5,415 3.00%
    VALDOSTA, GA (FHA|USDA|VA) » 1 $55,000 $55,000 $4,024 3.63%

    Envoy Mortgage Ltd's top markets include New York, Boston, Houston, Philadelphia, and Phoenix among others.

    Product Mix

    Loan Type Originations Total Value Average Loan Average Fees Average Rate
    Conventional » 11,076 $3,431,310,000 $309,797 $4,735 3.15%
    FHA » 2,589 $644,765,000 $249,040 $9,150 3.29%
    VA » 968 $338,370,000 $349,556 $8,403 2.99%
    USDA » 190 $35,440,000 $186,526 $5,984 3.20%

    For the 2021 period, Envoy Mortgage Ltd's most frequently originated loan type of loans were Conventional, with 11,076 originations. Their 2nd most popular type is FHA, with 2,589 originations.

    Loan Reason

    Loan Reason Originations Total Value Average Loan Average Fees Average Rate
    Home Purchase » 9,041 $2,728,405,000 $301,781 $6,516 3.23%
    Refi » 3,429 $1,020,665,000 $297,657 $4,297 2.95%
    Cash Out Refi » 2,353 $700,815,000 $297,839 $5,001 3.22%

    For the 2021, Envoy Mortgage Ltd's most frequently cited loan purpose of loans were Home Purchase, with 9,041 originations. The 2nd most popular reason of loans were Refi, with 3,429 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year » 13,054 $4,009,460,000 $307,144 $6,027 3.23%
    15 Year » 1,100 $263,310,000 $239,373 $3,782 2.59%
    20 Year » 440 $120,200,000 $273,182 $3,948 2.93%
    Other » 141 $40,595,000 $287,908 $3,822 3.04%
    10 Year » 88 $16,320,000 $185,455 $3,383 2.53%

    For the 2021, Envoy Mortgage Ltd's most frequently cited loan length of loans were 30 Year, with 13,054 originations. The 2nd most popular length of loans were 15 Year, with 1,100 originations.

    Origination Fees

    Origination Fee Originations Total Value Average Loan
    $1k-2k » 9,311 $2,918,165,000 $313,410
    $<1k » 3,751 $1,067,015,000 $284,461
    $2k-3k » 927 $213,305,000 $230,102
    $3k-4k » 401 $103,625,000 $258,416
    $4k-5k » 220 $64,880,000 $294,909
    $5k+ » 200 $81,050,000 $405,250

    $6,027 of loans were Envoy Mortgage Ltd's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 9,311 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% » 7,976 $2,280,370,000 $285,904
    2.5-3% » 5,322 $1,756,050,000 $329,961
    <2.5% » 976 $294,880,000 $302,131
    4-5% » 547 $118,225,000 $216,133
    5-6% » 1 $355,000 $355,000

    During 2021, Envoy Mortgage Ltd's average interest rate of loans were 3.23%, while their most frequently originated rate bucket of loans were 3-4%, with 7,976 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k » 7,363 $2,127,155,000 $288,898 $5,824 3.15%
    $100k-200k » 3,654 $565,170,000 $154,672 $4,640 3.24%
    $400k-600k » 2,472 $1,187,760,000 $480,485 $6,876 3.07%
    $100,000 or less » 664 $52,250,000 $78,690 $3,956 3.40%
    $600k-1MM » 600 $431,090,000 $718,483 $8,682 3.07%
    $1MM+ » 70 $86,460,000 $1,235,143 $10,521 2.94%

    2021 saw Envoy Mortgage Ltd place emphasis on $200k-400k loans with 7,363 originations, totaling $2,127,155,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k » 3,562 $837,630,000 $235,157 $5,787 3.21%
    $100k-150k » 3,264 $1,126,340,000 $345,080 $5,834 3.15%
    $75k-100k » 2,970 $860,330,000 $289,673 $6,030 3.19%
    $50k or less » 2,264 $386,500,000 $170,716 $5,000 3.21%
    $150k-250k » 2,046 $850,260,000 $415,572 $5,819 3.08%
    $250k+ » 717 $388,825,000 $542,294 $6,456 3.06%

    Envoy Mortgage Ltd lent most frequently to those with incomes in the $50k-75k range, with 3,562 originations. The second most popular income band? $100k-150k, with 3,264 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% » 2,767 $814,165,000 $294,241 $4,875 3.11%
    30-36% » 2,652 $796,990,000 $300,524 $5,385 3.18%
    <20% » 1,006 $285,160,000 $283,459 $4,534 2.97%
    50-60% » 752 $235,160,000 $312,713 $9,280 3.15%
    44% » 721 $215,165,000 $298,426 $5,973 3.23%
    43% » 653 $191,365,000 $293,055 $5,856 3.24%
    41% » 618 $190,780,000 $308,706 $6,109 3.20%
    40% » 582 $171,060,000 $293,918 $5,819 3.23%
    49% » 576 $177,970,000 $308,976 $6,480 3.19%
    42% » 572 $177,050,000 $309,528 $5,688 3.24%
    38% » 531 $157,115,000 $295,885 $5,798 3.21%
    39% » 523 $155,195,000 $296,740 $5,727 3.23%
    37% » 508 $147,100,000 $289,567 $5,788 3.20%
    45% » 475 $147,265,000 $310,032 $6,329 3.23%
    36% » 475 $143,795,000 $302,726 $5,448 3.21%
    48% » 447 $141,305,000 $316,119 $6,413 3.16%
    46% » 441 $133,775,000 $303,345 $6,266 3.21%
    47% » 433 $137,415,000 $317,356 $6,431 3.20%
    >60% » 91 $32,055,000 $352,253 $8,837 3.00%

    Envoy Mortgage Ltd lent most frequently to those with DTI ratios of 20-30%, with 2,767 originations. The next most common DTI ratio? 30-36%, with 2,652 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White » 11,284 $3,323,370,000 $294,521 $5,508 3.16%
    Not provided » 1,783 $565,605,000 $317,221 $6,117 3.18%
    Black » 993 $278,075,000 $280,035 $7,092 3.24%
    Asian » 491 $192,965,000 $393,004 $7,074 3.10%
    American Indian » 103 $29,635,000 $287,718 $6,766 3.18%
    Asian Indian » 48 $22,810,000 $475,208 $7,078 3.02%
    Filipino » 27 $9,805,000 $363,148 $6,364 2.96%
    Native Hawaiian or Islander » 21 $7,075,000 $336,905 $8,363 3.01%
    Other Asian » 26 $7,070,000 $271,923 $6,988 3.15%
    Chinese » 14 $4,000,000 $285,714 $5,916 3.07%
    Japanese » 9 $2,915,000 $323,889 $3,778 3.24%
    Other Pacific Islander » 10 $2,510,000 $251,000 $8,839 2.81%
    Korean » 7 $2,485,000 $355,000 $6,148 3.21%
    Samoan » 1 $445,000 $445,000 $4,483 2.99%
    Guamanian » 2 $430,000 $215,000 $4,385 3.13%
    Vietnamese » 2 $390,000 $195,000 $5,300 3.75%
    Native Hawaiian » 2 $300,000 $150,000 $5,117 3.63%

    Approval Rates

    Total approvals of all applications
    89.71%

    Envoy Mortgage Ltd has an average approval rate.

    Pick Rate

    Approvals leading to origination
    69.39%

    Envoy Mortgage Ltd has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 14,823 $4,449,885,000 $300,201

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    » 14,823 $4,449,885,000 $300,201

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% » 459 $98,455,000 $214,499 $3,990 2.96%
    40-60% » 1,696 $478,370,000 $282,058 $4,118 2.96%
    60-80% » 4,561 $1,477,795,000 $324,007 $4,865 3.18%
    80-100% » 7,820 $2,292,260,000 $293,128 $6,457 3.22%
    Over 100% » 258 $98,960,000 $383,566 $14,744 3.04%
    Under 20% » 29 $4,045,000 $139,483 $3,603 2.92%