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

Latest/2021 | 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. (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
    30 Year Conventional Purchase 6.64% 11/26/22
    30 Year Conventional Refi 6.79% 11/26/22
    30 Year Cash-out Refi 6.98% 11/26/22
    30 Year FHA Purchase 7.38% 11/26/22
    30 Year FHA Refi 7.35% 11/26/22
    30 Year VA Purchase 6.56% 11/26/22
    30 Year VA Refi 6.39% 11/26/22
    30 Year USDA Purchase 6.86% 11/26/22
    30 Year USDA Refi 7.26% 11/26/22
    15 Year Conventional Purchase 6.14% 11/26/22
    15 Year Conventional Refi 6.19% 11/26/22
    15 Year Cash-out Refi 6.19% 11/26/22
    15 Year FHA Purchase 7.81% 11/26/22
    15 Year FHA Refi 7.59% 11/26/22
    15 Year VA Purchase 6.13% 11/26/22
    15 Year VA Refi 6.24% 11/26/22
    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 mortgage rate was 3.23%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of 0.08%.

    Relative Fees (Closing Costs)

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

    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 $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.

    Their top states include:
  • California (FHA|USDA|VA)
  • Massachusetts (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against ENVOY MORTGAGE LTD based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    First Savings Bank of Hegewisch
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Envoy Mortgage Ltd's most frequently originated type of loan was Conventional, with 11,076 originations. Their 2nd most popular type was FHA, with 2,589 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Envoy Mortgage Ltd's most frequently cited loan purpose was Home Purchase, with 9,041 originations. The 2nd most popular reason was 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 2021, Envoy Mortgage Ltd's most frequently cited loan duration was 30 Year, with 13,054 originations. The 2nd most popular length was 15 Year, with 1,100 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost 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

    Envoy Mortgage Ltd's average total fees were $6,027, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 3.23%, while their most frequently originated rate bucket for loans was 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%