Envoy Mortgage Ltd Rates, Fees & Info
AUSTIN, TXLEI: 549300J6N77Q8OHYNF23
Tax ID: 76-0700342
3.4 stars - Updated: 7/7/25
-
out of 5 stars, based on 62 reviews
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Envoy Mortgage Ltd is a small mortgage company specializing in Home Purchase 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: Washington, Boston, Houston, San Francisco, and Baltimore among others. We have data for 288 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. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) 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 the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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 |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.72% | 7/7/25 |
| 30 Year Conventional Purchase | 7.16% | 7/7/25 |
| 30 Year Conventional Refi | 6.92% | 7/7/25 |
| 30 Year Cash-out Refi | 7.20% | 7/7/25 |
| 30 Year FHA Purchase | 7.56% | 7/7/25 |
| 30 Year FHA Refi | 6.93% | 7/7/25 |
| 30 Year VA Purchase | 6.66% | 7/7/25 |
| 30 Year VA Refi | 6.29% | 7/7/25 |
| 30 Year USDA Purchase | 7.39% | 7/7/25 |
| 15 Year Conventional Purchase | 6.54% | 7/7/25 |
| 15 Year Conventional Refi | 6.30% | 7/7/25 |
| 15 Year Cash-out Refi | 6.30% | 7/7/25 |
| 15 Year FHA Purchase | 6.00% | 7/7/25 |
| 15 Year VA Purchase | 6.63% | 7/7/25 |
| 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. | ||
Envoy Mortgage Ltd Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Envoy Mortgage Ltd. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
3,883Origination Dollar Volume (All Markets)
$1,407,645,000Awards
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ENVOY MORTGAGE LTD - 2024
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For 2024, less than of lenders were eligible for this award.
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Relative Rate
Envoy Mortgage Ltd's average 30 year fixed mortgage rate was
6.75%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 0.2%.
Relative Fees (Closing Costs)
Envoy Mortgage Ltd's average total fees/closing costs for a 30 year fixed rate
mortgage were $9,349.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $8,356.
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 |
|---|---|---|---|---|---|
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 143 | $75,045,000 | $524,790 | $9,996 | 6.66% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 165 | $69,885,000 | $423,545 | $7,403 | 6.75% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 159 | $57,325,000 | $360,535 | $10,783 | 6.71% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 83 | $56,875,000 | $685,241 | $14,948 | 6.52% |
| Outside of Metro Areas | 187 | $52,255,000 | $279,439 | $7,408 | 6.70% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 121 | $46,825,000 | $386,983 | $9,672 | 6.67% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 119 | $46,705,000 | $392,479 | $11,503 | 6.76% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 91 | $39,585,000 | $435,000 | $9,029 | 6.96% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 66 | $38,270,000 | $579,848 | $15,715 | 6.41% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 92 | $33,270,000 | $361,630 | $11,621 | 6.65% |
| LOUISVILLE, KY (FHA|USDA|VA) | 127 | $33,115,000 | $260,748 | $8,172 | 6.90% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 72 | $32,830,000 | $455,972 | $10,053 | 6.56% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 73 | $31,635,000 | $433,356 | $12,705 | 6.78% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 47 | $27,325,000 | $581,383 | $7,552 | 6.99% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 65 | $26,855,000 | $413,154 | $6,783 | 6.82% |
| ROCKFORD, IL (FHA|USDA|VA) | 134 | $25,050,000 | $186,940 | $5,698 | 6.97% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 54 | $24,730,000 | $457,963 | $10,355 | 6.69% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 61 | $24,025,000 | $393,852 | $9,483 | 6.64% |
| Oak Harbor, WA (FHA|USDA|VA) | 51 | $22,905,000 | $449,118 | $11,728 | 6.38% |
| MISSOULA, MT (FHA|USDA|VA) | 43 | $20,485,000 | $476,395 | $7,850 | 6.54% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 54 | $19,580,000 | $362,593 | $10,860 | 6.59% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 30 | $19,490,000 | $649,667 | $15,305 | 6.73% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 44 | $19,450,000 | $442,045 | $6,353 | 6.71% |
| BOISE CITY, ID (FHA|USDA|VA) | 48 | $18,590,000 | $387,292 | $11,375 | 6.68% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 77 | $17,905,000 | $232,532 | $8,643 | 6.75% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 64 | $15,640,000 | $244,375 | $8,445 | 6.81% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 47 | $15,075,000 | $320,745 | $10,615 | 6.91% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 34 | $13,760,000 | $404,706 | $8,812 | 6.76% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 32 | $11,280,000 | $352,500 | $10,423 | 6.75% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 34 | $11,020,000 | $324,118 | $5,610 | 6.92% |
| Enterprise, AL (FHA|USDA|VA) | 48 | $10,800,000 | $225,000 | $6,143 | 6.56% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 25 | $9,825,000 | $393,000 | $15,203 | 6.88% |
| BELLINGHAM, WA (FHA|USDA|VA) | 23 | $9,815,000 | $426,739 | $10,060 | 6.59% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 20 | $9,790,000 | $489,500 | $9,695 | 6.85% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 29 | $9,175,000 | $316,379 | $8,023 | 6.78% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 40 | $8,920,000 | $223,000 | $7,735 | 6.88% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 18 | $8,770,000 | $487,222 | $9,327 | 6.85% |
| Kalispell, MT (FHA|USDA|VA) | 19 | $8,625,000 | $453,947 | $8,997 | 6.56% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 36 | $8,320,000 | $231,111 | $4,151 | 6.76% |
| VALLEJO, CA (FHA|USDA|VA) | 15 | $7,935,000 | $529,000 | $17,201 | 6.23% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 21 | $7,885,000 | $375,476 | $11,956 | 6.69% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 15 | $7,525,000 | $501,667 | $8,780 | 6.41% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 9 | $7,225,000 | $802,778 | $17,744 | 6.47% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 20 | $7,170,000 | $358,500 | $11,996 | 6.76% |
| EL PASO, TX (FHA|USDA|VA) | 24 | $6,960,000 | $290,000 | $10,336 | 6.23% |
| APPLETON, WI (FHA|USDA|VA) | 33 | $6,775,000 | $205,303 | $5,850 | 6.77% |
| ABILENE, TX (FHA|USDA|VA) | 23 | $6,135,000 | $266,739 | $8,351 | 6.92% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 18 | $6,050,000 | $336,111 | $9,737 | 6.26% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 14 | $5,770,000 | $412,143 | $11,012 | 6.77% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 26 | $5,740,000 | $220,769 | $5,104 | 6.78% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 17 | $5,685,000 | $334,412 | $10,392 | 6.24% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 17 | $5,305,000 | $312,059 | $9,912 | 6.71% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 12 | $5,260,000 | $438,333 | $13,284 | 6.83% |
| DOTHAN, AL (FHA|USDA|VA) | 23 | $5,075,000 | $220,652 | $7,378 | 6.68% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 12 | $5,030,000 | $419,167 | $7,591 | 6.63% |
| Roseburg, OR (FHA|USDA|VA) | 16 | $4,840,000 | $302,500 | $7,669 | 6.26% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 14 | $4,660,000 | $332,857 | $8,296 | 6.93% |
| STOCKTON, CA (FHA|USDA|VA) | 10 | $4,560,000 | $456,000 | $11,271 | 6.75% |
| GREELEY, CO (FHA|USDA|VA) | 11 | $4,545,000 | $413,182 | $14,135 | 6.78% |
| YAKIMA, WA (FHA|USDA|VA) | 14 | $4,530,000 | $323,571 | $14,367 | 6.71% |
| COLUMBUS, OH (FHA|USDA|VA) | 16 | $4,490,000 | $280,625 | $7,820 | 6.40% |
| Laconia, NH (FHA|USDA|VA) | 12 | $4,350,000 | $362,500 | $6,440 | 6.98% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 12 | $4,340,000 | $361,667 | $14,694 | 6.58% |
| Concord, NH (FHA|USDA|VA) | 11 | $4,255,000 | $386,818 | $7,336 | 7.09% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 14 | $4,150,000 | $296,429 | $7,406 | 6.79% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 13 | $4,125,000 | $317,308 | $7,919 | 6.69% |
| Rochelle, IL (FHA|USDA|VA) | 23 | $4,075,000 | $177,174 | $5,189 | 7.21% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 15 | $4,035,000 | $269,000 | $5,643 | 6.88% |
| Cambridge, MD (FHA|USDA|VA) | 13 | $4,005,000 | $308,077 | $11,152 | 6.75% |
| Outside of Metro Areas | 8 | $3,890,000 | $486,250 | $11,428 | 6.80% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 15 | $3,855,000 | $257,000 | $8,475 | 6.94% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 14 | $3,680,000 | $262,857 | $9,517 | 6.91% |
| Newport, OR (FHA|USDA|VA) | 9 | $3,615,000 | $401,667 | $6,809 | 6.60% |
| SALEM, OR (FHA|USDA|VA) | 11 | $3,525,000 | $320,455 | $6,951 | 6.72% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 12 | $3,420,000 | $285,000 | $6,132 | 6.89% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 8 | $3,340,000 | $417,500 | $8,904 | 6.39% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 10 | $3,340,000 | $334,000 | $7,206 | 7.00% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 17 | $3,245,000 | $190,882 | $5,324 | 7.11% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 6 | $3,120,000 | $520,000 | $8,838 | 6.67% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 5 | $3,115,000 | $623,000 | $6,962 | 7.15% |
| Ozark, AL (FHA|USDA|VA) | 19 | $3,035,000 | $159,737 | $5,204 | 6.80% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 9 | $2,955,000 | $328,333 | $8,674 | 6.99% |
| PANAMA CITY, FL (FHA|USDA|VA) | 7 | $2,925,000 | $417,857 | $9,964 | 6.43% |
| FORT WAYNE, IN (FHA|USDA|VA) | 13 | $2,895,000 | $222,692 | $6,000 | 6.71% |
| FORT COLLINS, CO (FHA|USDA|VA) | 6 | $2,890,000 | $481,667 | $12,897 | 6.63% |
| BEND, OR (FHA|USDA|VA) | 5 | $2,795,000 | $559,000 | $13,643 | 6.33% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 9 | $2,765,000 | $307,222 | $8,463 | 6.26% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 9 | $2,665,000 | $296,111 | $9,808 | 6.64% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 11 | $2,645,000 | $240,455 | $12,379 | 7.57% |
| CUMBERLAND, MD-WV (FHA|USDA|VA) | 6 | $2,630,000 | $438,333 | $19,056 | 6.10% |
| Easton, MD (FHA|USDA|VA) | 7 | $2,625,000 | $375,000 | $8,360 | 7.05% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 2 | $2,560,000 | $1,280,000 | $8,352 | 7.13% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 7 | $2,435,000 | $347,857 | $9,014 | 6.62% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 12 | $2,420,000 | $201,667 | $6,911 | 7.23% |
| AKRON, OH (FHA|USDA|VA) | 8 | $2,410,000 | $301,250 | $7,939 | 6.92% |
| NAPA, CA (FHA|USDA|VA) | 4 | $2,410,000 | $602,500 | $9,312 | 6.56% |
| AMES, IA (FHA|USDA|VA) | 9 | $2,405,000 | $267,222 | $4,718 | 7.07% |
| SALINAS, CA (FHA|USDA|VA) | 4 | $2,300,000 | $575,000 | $19,212 | 6.97% |
| MADISON, WI (FHA|USDA|VA) | 8 | $2,260,000 | $282,500 | $5,149 | 6.95% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 5 | $2,075,000 | $415,000 | $7,707 | 6.20% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 10 | $2,000,000 | $200,000 | $4,900 | 6.91% |
| Keene, NH (FHA|USDA|VA) | 6 | $1,960,000 | $326,667 | $8,174 | 7.08% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 7 | $1,935,000 | $276,429 | $6,420 | 7.29% |
| PUEBLO, CO (FHA|USDA|VA) | 8 | $1,920,000 | $240,000 | $10,053 | 6.55% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 5 | $1,915,000 | $383,000 | $10,479 | 6.63% |
| LONGVIEW, WA (FHA|USDA|VA) | 4 | $1,870,000 | $467,500 | $11,245 | 6.53% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 6 | $1,850,000 | $308,333 | $10,195 | 6.64% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 7 | $1,815,000 | $259,286 | $5,013 | 7.27% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 4 | $1,750,000 | $437,500 | $8,532 | 6.69% |
| MERCED, CA (FHA|USDA|VA) | 4 | $1,710,000 | $427,500 | $10,954 | 6.59% |
| Manitowoc, WI (FHA|USDA|VA) | 11 | $1,705,000 | $155,000 | $6,043 | 6.64% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 6 | $1,690,000 | $281,667 | $3,334 | 7.19% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 5 | $1,665,000 | $333,000 | $11,592 | 6.58% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 4 | $1,660,000 | $415,000 | $9,307 | 6.50% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 4 | $1,550,000 | $387,500 | $13,365 | 6.84% |
| PITTSBURGH, PA (FHA|USDA|VA) | 6 | $1,520,000 | $253,333 | $8,872 | 6.50% |
| Bardstown, KY (FHA|USDA|VA) | 6 | $1,510,000 | $251,667 | $11,663 | 6.60% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 5 | $1,485,000 | $297,000 | $7,635 | 6.73% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 5 | $1,475,000 | $295,000 | $13,048 | 6.70% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 6 | $1,460,000 | $243,333 | $6,698 | 6.85% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 6 | $1,430,000 | $238,333 | $4,844 | 7.19% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 4 | $1,390,000 | $347,500 | $11,674 | 6.62% |
| Shelton, WA (FHA|USDA|VA) | 3 | $1,385,000 | $461,667 | $7,302 | 7.00% |
| TULSA, OK (FHA|USDA|VA) | 6 | $1,380,000 | $230,000 | $6,121 | 6.52% |
| Butte-Silver Bow, MT (FHA|USDA|VA) | 4 | $1,380,000 | $345,000 | $10,221 | 6.69% |
| Lebanon, NH-VT (FHA|USDA|VA) | 5 | $1,365,000 | $273,000 | $9,483 | 6.80% |
| Mount Airy, NC (FHA|USDA|VA) | 7 | $1,365,000 | $195,000 | $8,724 | 6.88% |
| SPARTANBURG, SC (FHA|USDA|VA) | 5 | $1,365,000 | $273,000 | $10,349 | 6.50% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 5 | $1,285,000 | $257,000 | $6,745 | 6.90% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 4 | $1,270,000 | $317,500 | $7,237 | 6.84% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 5 | $1,255,000 | $251,000 | $12,039 | 6.33% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 5 | $1,255,000 | $251,000 | $7,602 | 7.13% |
| ANCHORAGE, AK (FHA|USDA|VA) | 3 | $1,225,000 | $408,333 | $5,023 | 6.33% |
| MODESTO, CA (FHA|USDA|VA) | 3 | $1,225,000 | $408,333 | $11,737 | 6.04% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 5 | $1,205,000 | $241,000 | $9,713 | 7.05% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 4 | $1,190,000 | $297,500 | $12,350 | 6.78% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 3 | $1,165,000 | $388,333 | $7,942 | 6.58% |
| Fergus Falls, MN (FHA|USDA|VA) | 7 | $1,155,000 | $165,000 | $6,246 | 6.98% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $1,145,000 | $1,145,000 | $9,784 | 6.88% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 4 | $1,130,000 | $282,500 | $4,370 | 7.00% |
| WENATCHEE, WA (FHA|USDA|VA) | 3 | $1,115,000 | $371,667 | $14,562 | 6.67% |
| COLUMBIA, SC (FHA|USDA|VA) | 4 | $1,110,000 | $277,500 | $8,136 | 6.81% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 3 | $1,105,000 | $368,333 | $12,370 | 6.71% |
| DULUTH, MN-WI (FHA|USDA|VA) | 8 | $1,090,000 | $136,250 | $4,906 | 6.95% |
| Richmond-Berea, KY (FHA|USDA|VA) | 2 | $1,060,000 | $530,000 | $9,946 | 7.13% |
| Menomonie, WI (FHA|USDA|VA) | 3 | $1,045,000 | $348,333 | $5,421 | 6.92% |
| Sandpoint, ID (FHA|USDA|VA) | 2 | $1,000,000 | $500,000 | $12,774 | 6.06% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $1,000,000 | $500,000 | $6,642 | 6.56% |
| Dixon, IL (FHA|USDA|VA) | 9 | $975,000 | $108,333 | $5,114 | 7.08% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $965,000 | $965,000 | $23,498 | 6.63% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 2 | $940,000 | $470,000 | $19,583 | 7.31% |
| FOND DU LAC, WI (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $6,205 | 6.83% |
| Mountain Home, ID (FHA|USDA|VA) | 2 | $870,000 | $435,000 | $14,910 | 6.00% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $11,476 | 6.63% |
| Toccoa, GA (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $13,149 | 6.88% |
| BILLINGS, MT (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $7,304 | 6.58% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $15,806 | 5.88% |
| Frankfort, KY (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $10,914 | 6.13% |
| BOULDER, CO (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $14,159 | 6.88% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $13,979 | 6.88% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $8,144 | 6.33% |
| WILMINGTON, NC (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $4,863 | 6.38% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $15,875 | 6.69% |
| MADERA, CA (FHA|USDA|VA) | 1 | $695,000 | $695,000 | $8,715 | 6.63% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $8,223 | 6.29% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $24,341 | 6.63% |
| Freeport, IL (FHA|USDA|VA) | 5 | $665,000 | $133,000 | $3,953 | 7.07% |
| Fort Morgan, CO (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $12,637 | 6.94% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $11,370 | 7.00% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $6,298 | 7.63% |
| Prineville, OR (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $6,731 | 7.00% |
| Cedar City, UT (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $0 | 7.63% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $8,144 | 6.38% |
| Pullman, WA (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $4,993 | 7.06% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $6,387 | 6.81% |
| LUBBOCK, TX (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $7,234 | 6.96% |
| BURLINGTON, NC (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $12,030 | 6.63% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $7,883 | 6.63% |
| Aberdeen, WA (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $11,197 | 6.63% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $12,655 | 6.63% |
| LANCASTER, PA (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $7,320 | 6.06% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $8,779 | 6.63% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $8,264 | 5.75% |
| Helena, MT (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $4,452 | 6.56% |
| TUCSON, AZ (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $12,114 | 5.81% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $4,506 | 7.38% |
| CHARLESTON, WV (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $9,678 | 6.88% |
| Granbury, TX (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $18,695 | 8.00% |
| DOVER, DE (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $11,922 | 6.00% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $0 | 7.38% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $12,777 | 6.63% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $9,073 | 6.50% |
| Durango, CO (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $8,993 | 6.50% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $7,469 | 7.13% |
| Moses Lake, WA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $8,230 | 6.38% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $14,470 | 7.63% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $1,007 | 7.13% |
| Mountain Home, AR (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $4,408 | 7.38% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $22,326 | 6.50% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $4,721 | 7.00% |
| Shelby, NC (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $10,978 | 6.63% |
| GREEN BAY, WI (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $7,533 | 6.75% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $8,458 | 6.50% |
| Sterling, IL (FHA|USDA|VA) | 4 | $400,000 | $100,000 | $4,486 | 7.19% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $17,439 | 7.13% |
| Okeechobee, FL (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $5,324 | 7.13% |
| Clearlake, CA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $9,464 | 7.13% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $14,363 | 6.63% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $6,481 | 7.13% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $18,954 | 7.13% |
| GOLDSBORO, NC (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $3,973 | 6.75% |
| North Wilkesboro, NC (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $7,661 | 6.31% |
| Whitewater, WI (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $5,190 | 6.81% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $5,926 | 6.63% |
| Ruidoso, NM (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $15,584 | 6.13% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,588 | 7.50% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $8,113 | 7.63% |
| Rockingham, NC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $16,869 | 7.13% |
| BISMARCK, ND (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $9,238 | 7.13% |
| Ontario, OR-ID (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $15,230 | 5.63% |
| OCALA, FL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $13,412 | 7.13% |
| Plymouth, IN (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $8,667 | 7.25% |
| Centralia, WA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $5,895 | 6.99% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $12,637 | 6.38% |
| Blackfoot, ID (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,605 | 7.00% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $20,025 | 6.00% |
| MUSKEGON, MI (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $6,223 | 6.99% |
| BECKLEY, WV (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $17,794 | 6.63% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $12,373 | 6.63% |
| Bluffton, IN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $11,271 | 6.63% |
| Rexburg, ID (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $13,928 | 5.63% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $12,658 | 7.63% |
| ENID, OK (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $6,052 | 6.63% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $10,733 | 7.63% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $15,182 | 6.50% |
| Jasper, IN (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $8,029 | 6.63% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $8,389 | 7.63% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $18,505 | 6.50% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,624 | 7.13% |
| Berlin, NH (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $5,398 | 6.88% |
| WHEELING, WV-OH (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $13,816 | 7.00% |
| Mayfield, KY (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $11,643 | 7.00% |
| Fort Leonard Wood, MO (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,185 | 6.50% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $10,387 | 6.50% |
| Klamath Falls, OR (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,152 | 6.63% |
| Martinsville, VA (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $7,604 | 6.56% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $4,175 | 6.88% |
| Beaver Dam, WI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $575 | 6.13% |
| Shawnee, OK (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,821 | 7.13% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $9,420 | 5.63% |
| JOPLIN, MO (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 7.63% |
| Henderson, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $10,131 | 7.00% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,072 | 7.38% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,914 | 7.13% |
| Martin, TN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $9,801 | 6.63% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,158 | 7.63% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $9,784 | 7.13% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 7.88% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,290 | 7.13% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,573 | 6.63% |
| Elizabeth City, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,515 | 6.88% |
| READING, PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,101 | 7.38% |
| Portales, NM (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $10,330 | 6.50% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,037 | 6.38% |
| Seneca, SC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 6.50% |
| GREAT FALLS, MT (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 7.13% |
| ROME, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $10,187 | 5.50% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $9,824 | 5.88% |
| Dickinson, ND (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,885 | 6.88% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $9,471 | 7.00% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,903 | 7.00% |
| HAMMOND, LA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,563 | 7.38% |
| Shawano, WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,923 | 6.00% |
| Huntsville, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,612 | 7.13% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $9,034 | 6.88% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,862 | 7.50% |
| Zanesville, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 6.63% |
| Eufaula, AL-GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,103 | 6.25% |
| Ashtabula, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,813 | 7.00% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,126 | 7.38% |
| Marshalltown, IA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,131 | 6.63% |
| Murray, KY (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,241 | 7.38% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $7,145 | 6.63% |
| Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,826 | 6.63% |
| Ponca City, OK (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,338 | 7.63% |
| KOKOMO, IN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 7.63% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 7.38% |
| Fort Dodge, IA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $775 | 7.50% |
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Product Mix
For 2024, Envoy Mortgage Ltd's most frequently originated type of loan was Conventional, with 2,479 originations. Their 2nd most popular type was FHA, with 917 originations.
Loan Reason
For 2024, Envoy Mortgage Ltd's most frequently cited loan purpose was Home Purchase, with 3,615 originations. The 2nd most popular reason was Cash Out Refi, with 162 originations.
Loan Duration/Length
For 2024, Envoy Mortgage Ltd's most frequently cited loan duration was 30 Year, with 3,804 originations. The 2nd most popular length was 15 Year, with 41 originations.
Origination Fees/Closing Costs
Envoy Mortgage Ltd's average total fees were $9,349, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 1,098 originations.
Interest Rates
During 2024, Envoy Mortgage Ltd's average interest rate for loans was 6.75%, while their most frequently originated rate bucket for loans was 6-7%, with 2,271 originations.
Loan Sizing
2024 saw Envoy Mortgage Ltd place emphasis on $200k-400k loans with 1,866 originations, totaling $558,290,000 in origination value.
Applicant Income
Envoy Mortgage Ltd lent most frequently to those with incomes in the $100k-150k range, with 1,071 originations. The second most popular income band? $150k-250k, with 816 originations.
Applicant Debt to Income Ratio
Envoy Mortgage Ltd lent most frequently to those with DTI ratios of 30-36%, with 593 originations. The next most common DTI ratio? 20-30%, with 446 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications83.60%
Envoy Mortgage Ltd has a below average approval rate.
Pick Rate
Approvals leading to origination51.30%
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 | 3,883 | $1,407,645,000 | $362,515 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3,883 | $1,407,645,000 | $362,515 |