Envoy Mortgage Ltd Rates, Fees & Info
AUSTIN, TXLEI: 549300J6N77Q8OHYNF23
Tax ID: 76-0700342
3.9 stars - Updated: 11/17/24
-
out of 5 stars, based on 62 reviews
Latest/2023 | 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: Houston, New York, Boston, Worcester, and Phoenix among others. We have data for 249 markets. (Some data included below & more in-depth data is available with an active subscription.)Envoy Mortgage Ltd has an above 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 a high 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 relatively high 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 | 6.37% | 11/17/24 |
| 30 Year Conventional Refi | 6.62% | 11/17/24 |
| 30 Year Cash-out Refi | 6.86% | 11/17/24 |
| 30 Year FHA Purchase | 6.79% | 11/17/24 |
| 30 Year FHA Refi | 7.25% | 11/17/24 |
| 30 Year VA Purchase | 6.12% | 11/17/24 |
| 30 Year VA Refi | 6.27% | 11/17/24 |
| 30 Year USDA Purchase | 6.62% | 11/17/24 |
| 15 Year Conventional Purchase | 6.10% | 11/17/24 |
| 15 Year Conventional Refi | 6.12% | 11/17/24 |
| 15 Year Cash-out Refi | 6.12% | 11/17/24 |
| 15 Year FHA Purchase | 7.51% | 11/17/24 |
| 15 Year FHA Refi | 5.68% | 11/17/24 |
| 15 Year VA Purchase | 6.11% | 11/17/24 |
| 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
3,869Origination Dollar Volume (All Markets)
$1,278,315,000Awards
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ENVOY MORTGAGE LTD - 2023
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For 2023, 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
6.72%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 0.24%.
Relative Fees (Closing Costs)
Envoy Mortgage Ltd's average total fees/closing costs for a 30 year fixed rate
mortgage were $9,452.
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 $9,089.
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 |
|---|---|---|---|---|---|
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 280 | $96,680,000 | $345,286 | $11,614 | 6.80% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 144 | $68,860,000 | $478,194 | $9,488 | 6.49% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 165 | $67,705,000 | $410,333 | $8,113 | 6.90% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 141 | $51,125,000 | $362,589 | $8,379 | 6.86% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 119 | $45,785,000 | $384,748 | $11,433 | 6.62% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 75 | $45,665,000 | $608,867 | $15,323 | 6.58% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 122 | $42,750,000 | $350,410 | $9,545 | 6.57% |
| Outside of Metro Areas | 168 | $41,600,000 | $247,619 | $8,542 | 6.77% |
| ROCKFORD, IL (FHA|USDA|VA) | 217 | $34,705,000 | $159,931 | $6,456 | 6.71% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 95 | $33,175,000 | $349,211 | $9,581 | 6.71% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 73 | $28,545,000 | $391,027 | $10,980 | 6.50% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 57 | $28,195,000 | $494,649 | $10,956 | 6.69% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 79 | $25,155,000 | $318,418 | $10,623 | 6.46% |
| Oak Harbor, WA (FHA|USDA|VA) | 54 | $24,610,000 | $455,741 | $12,058 | 6.46% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 77 | $22,575,000 | $293,182 | $7,892 | 6.52% |
| LOUISVILLE, KY (FHA|USDA|VA) | 90 | $21,060,000 | $234,000 | $7,887 | 6.99% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 39 | $21,035,000 | $539,359 | $11,530 | 6.97% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 77 | $20,765,000 | $269,675 | $5,069 | 6.99% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 42 | $20,680,000 | $492,381 | $12,468 | 6.63% |
| Enterprise, AL (FHA|USDA|VA) | 77 | $19,485,000 | $253,052 | $7,607 | 6.52% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 48 | $17,770,000 | $370,208 | $11,939 | 6.89% |
| MODESTO, CA (FHA|USDA|VA) | 42 | $16,950,000 | $403,571 | $13,975 | 6.32% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 44 | $15,760,000 | $358,182 | $12,053 | 6.94% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 37 | $15,725,000 | $425,000 | $9,534 | 6.72% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 19 | $14,105,000 | $742,368 | $16,705 | 6.41% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 31 | $13,385,000 | $431,774 | $7,885 | 6.71% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 29 | $13,015,000 | $448,793 | $11,512 | 6.95% |
| DOTHAN, AL (FHA|USDA|VA) | 57 | $12,905,000 | $226,404 | $7,569 | 6.73% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 57 | $12,905,000 | $226,404 | $8,845 | 6.62% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 39 | $12,675,000 | $325,000 | $9,142 | 6.54% |
| MERCED, CA (FHA|USDA|VA) | 36 | $12,250,000 | $340,278 | $13,342 | 6.41% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 61 | $11,795,000 | $193,361 | $5,138 | 6.99% |
| MISSOULA, MT (FHA|USDA|VA) | 24 | $10,760,000 | $448,333 | $10,992 | 6.53% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 22 | $10,740,000 | $488,182 | $12,146 | 6.60% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 30 | $10,280,000 | $342,667 | $10,288 | 6.91% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 50 | $9,280,000 | $185,600 | $6,803 | 6.83% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 43 | $8,505,000 | $197,791 | $6,822 | 6.65% |
| Ozark, AL (FHA|USDA|VA) | 42 | $8,090,000 | $192,619 | $7,617 | 6.51% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 24 | $7,830,000 | $326,250 | $11,799 | 6.90% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 20 | $7,830,000 | $391,500 | $10,534 | 6.74% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 24 | $7,260,000 | $302,500 | $7,090 | 6.49% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 20 | $7,190,000 | $359,500 | $10,470 | 6.48% |
| YAKIMA, WA (FHA|USDA|VA) | 20 | $7,130,000 | $356,500 | $13,525 | 6.69% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 19 | $6,615,000 | $348,158 | $13,846 | 6.53% |
| APPLETON, WI (FHA|USDA|VA) | 31 | $6,545,000 | $211,129 | $6,242 | 6.51% |
| FRESNO, CA (FHA|USDA|VA) | 18 | $6,360,000 | $353,333 | $12,870 | 6.69% |
| Cambridge, MD (FHA|USDA|VA) | 21 | $6,335,000 | $301,667 | $13,555 | 6.52% |
| BELLINGHAM, WA (FHA|USDA|VA) | 16 | $6,150,000 | $384,375 | $7,930 | 6.95% |
| Outside of Metro Areas | 15 | $5,925,000 | $395,000 | $14,077 | 6.67% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 18 | $5,830,000 | $323,889 | $10,124 | 6.69% |
| STOCKTON, CA (FHA|USDA|VA) | 14 | $5,590,000 | $399,286 | $12,902 | 6.14% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 15 | $5,465,000 | $364,333 | $10,070 | 6.58% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 22 | $5,230,000 | $237,727 | $6,213 | 6.84% |
| SALINAS, CA (FHA|USDA|VA) | 7 | $5,145,000 | $735,000 | $20,141 | 6.05% |
| VALLEJO, CA (FHA|USDA|VA) | 11 | $5,085,000 | $462,273 | $11,865 | 6.40% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 14 | $4,520,000 | $322,857 | $6,663 | 6.88% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 8 | $4,470,000 | $558,750 | $8,972 | 6.66% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 20 | $4,440,000 | $222,000 | $7,820 | 6.68% |
| Keene, NH (FHA|USDA|VA) | 15 | $4,405,000 | $293,667 | $8,157 | 6.92% |
| Othello, WA (FHA|USDA|VA) | 12 | $4,200,000 | $350,000 | $14,221 | 6.43% |
| SALEM, OR (FHA|USDA|VA) | 11 | $4,145,000 | $376,818 | $9,323 | 6.67% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 15 | $4,015,000 | $267,667 | $11,289 | 6.83% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 13 | $3,825,000 | $294,231 | $8,188 | 6.61% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 11 | $3,645,000 | $331,364 | $10,183 | 6.73% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 4 | $3,530,000 | $882,500 | $17,356 | 7.12% |
| Manitowoc, WI (FHA|USDA|VA) | 20 | $3,500,000 | $175,000 | $6,357 | 6.83% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 12 | $3,430,000 | $285,833 | $8,412 | 6.80% |
| Concord, NH (FHA|USDA|VA) | 12 | $3,330,000 | $277,500 | $8,256 | 7.14% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 14 | $3,290,000 | $235,000 | $6,974 | 6.61% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 5 | $3,255,000 | $651,000 | $14,403 | 6.35% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 6 | $3,160,000 | $526,667 | $9,987 | 7.12% |
| Rochelle, IL (FHA|USDA|VA) | 18 | $3,110,000 | $172,778 | $6,202 | 6.94% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 8 | $3,020,000 | $377,500 | $8,738 | 6.59% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 12 | $2,950,000 | $245,833 | $6,017 | 6.63% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 11 | $2,705,000 | $245,909 | $8,794 | 6.61% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 10 | $2,640,000 | $264,000 | $6,556 | 6.48% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 5 | $2,445,000 | $489,000 | $9,620 | 7.30% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 7 | $2,395,000 | $342,143 | $9,650 | 6.71% |
| READING, PA (FHA|USDA|VA) | 9 | $2,385,000 | $265,000 | $9,179 | 6.29% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 6 | $2,320,000 | $386,667 | $8,687 | 6.85% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 8 | $2,220,000 | $277,500 | $6,383 | 6.53% |
| Laconia, NH (FHA|USDA|VA) | 8 | $2,210,000 | $276,250 | $7,946 | 6.78% |
| Newport, OR (FHA|USDA|VA) | 5 | $2,195,000 | $439,000 | $7,029 | 6.73% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 7 | $2,095,000 | $299,286 | $7,372 | 6.45% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 3 | $1,885,000 | $628,333 | $14,021 | 6.79% |
| BEND, OR (FHA|USDA|VA) | 3 | $1,875,000 | $625,000 | $14,019 | 6.88% |
| Torrington, CT (FHA|USDA|VA) | 8 | $1,820,000 | $227,500 | $8,508 | 6.56% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 5 | $1,765,000 | $353,000 | $8,705 | 6.82% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 7 | $1,715,000 | $245,000 | $7,805 | 6.61% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 4 | $1,710,000 | $427,500 | $7,120 | 6.63% |
| SAGINAW, MI (FHA|USDA|VA) | 8 | $1,620,000 | $202,500 | $5,095 | 6.34% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 3 | $1,505,000 | $501,667 | $7,340 | 7.04% |
| Dixon, IL (FHA|USDA|VA) | 10 | $1,460,000 | $146,000 | $5,640 | 7.13% |
| VISALIA, CA (FHA|USDA|VA) | 5 | $1,455,000 | $291,000 | $11,388 | 6.28% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 5 | $1,445,000 | $289,000 | $12,727 | 7.28% |
| Easton, MD (FHA|USDA|VA) | 4 | $1,440,000 | $360,000 | $12,771 | 6.81% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 2 | $1,390,000 | $695,000 | $18,900 | 5.94% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 5 | $1,385,000 | $277,000 | $7,599 | 6.50% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 4 | $1,320,000 | $330,000 | $12,888 | 7.19% |
| RICHMOND, VA (FHA|USDA|VA) | 5 | $1,295,000 | $259,000 | $9,451 | 6.30% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 4 | $1,290,000 | $322,500 | $4,757 | 6.81% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 4 | $1,250,000 | $312,500 | $9,979 | 8.00% |
| BOISE CITY, ID (FHA|USDA|VA) | 4 | $1,240,000 | $310,000 | $6,810 | 7.44% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 7 | $1,225,000 | $175,000 | $5,560 | 7.30% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 3 | $1,175,000 | $391,667 | $11,813 | 6.50% |
| AMES, IA (FHA|USDA|VA) | 5 | $1,155,000 | $231,000 | $7,084 | 7.25% |
| MADERA, CA (FHA|USDA|VA) | 4 | $1,140,000 | $285,000 | $8,034 | 6.63% |
| Whitewater, WI (FHA|USDA|VA) | 5 | $1,125,000 | $225,000 | $5,930 | 6.90% |
| MUSKEGON, MI (FHA|USDA|VA) | 7 | $1,085,000 | $155,000 | $7,383 | 6.57% |
| Troy, AL (FHA|USDA|VA) | 5 | $1,035,000 | $207,000 | $8,000 | 7.03% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $12,235 | 6.75% |
| MADISON, WI (FHA|USDA|VA) | 4 | $1,030,000 | $257,500 | $9,449 | 7.41% |
| Moses Lake, WA (FHA|USDA|VA) | 4 | $1,030,000 | $257,500 | $8,132 | 6.97% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 4 | $1,030,000 | $257,500 | $10,660 | 6.88% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 4 | $1,020,000 | $255,000 | $8,146 | 7.41% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 4 | $940,000 | $235,000 | $7,874 | 6.88% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $7,423 | 7.50% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $9,763 | 6.06% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $10,383 | 6.44% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $6,618 | 6.66% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $5,728 | 6.09% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 4 | $760,000 | $190,000 | $8,341 | 6.47% |
| Bardstown, KY (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $5,873 | 6.92% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $11,257 | 6.56% |
| RACINE, WI (FHA|USDA|VA) | 5 | $745,000 | $149,000 | $5,176 | 7.05% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $15,541 | 6.19% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $33,938 | 7.00% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $14,357 | 5.75% |
| THE VILLAGES, FL (FHA|USDA|VA) | 4 | $700,000 | $175,000 | $5,922 | 7.00% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $8,282 | 6.58% |
| WACO, TX (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $12,833 | 6.44% |
| Lebanon, NH-VT (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $6,575 | 7.25% |
| MONTGOMERY, AL (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $6,631 | 7.06% |
| Aberdeen, WA (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $9,767 | 6.94% |
| LONGVIEW, WA (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $8,543 | 6.63% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $12,594 | 7.00% |
| Durango, CO (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $19,596 | 7.63% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $5,395 | 6.88% |
| CHICO, CA (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $11,512 | 6.00% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $19,873 | 8.00% |
| Sandpoint, ID (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $7,852 | 7.44% |
| Freeport, IL (FHA|USDA|VA) | 6 | $530,000 | $88,333 | $5,355 | 6.13% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $9,608 | 6.38% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $5,035 | 6.63% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $37,589 | 5.00% |
| Frankfort, KY (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $8,318 | 6.92% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $10,563 | 6.75% |
| BANGOR, ME (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $9,143 | 6.88% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $6,710 | 7.06% |
| Jacksonville, TX (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $12,296 | 6.88% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $4,316 | 7.19% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $7,759 | 7.08% |
| Jefferson, GA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $11,954 | 6.75% |
| MIDLAND, MI (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $7,767 | 6.06% |
| Baraboo, WI (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $6,731 | 7.33% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $7,752 | 6.25% |
| Pella, IA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $16,464 | 7.25% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $8,639 | 7.38% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $4,523 | 7.31% |
| GREEN BAY, WI (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $3,821 | 6.63% |
| Paducah, KY-IL (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $4,062 | 6.88% |
| NAPA, CA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $14,169 | 6.38% |
| El Campo, TX (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $11,193 | 7.63% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $6,631 | 6.56% |
| Helena, MT (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $7,680 | 7.25% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,479 | 6.38% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,103 | 7.50% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $7,508 | 6.25% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $9,393 | 7.13% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,292 | 6.38% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,446 | 6.88% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,573 | 6.88% |
| BAY CITY, MI (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $6,885 | 6.25% |
| Middlesborough, KY (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $8,958 | 6.25% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $5,242 | 6.88% |
| PITTSFIELD, MA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $7,820 | 7.38% |
| Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $10,279 | 7.81% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $13,735 | 6.38% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $0 | 7.25% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $6,064 | 6.38% |
| Sonora, CA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $11,028 | 7.63% |
| Ogdensburg-Massena, NY (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $10,566 | 6.50% |
| FLINT, MI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,410 | 6.88% |
| Granbury, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $12,458 | 7.13% |
| Nacogdoches, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $1,667 | 7.63% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 7.13% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $11,174 | 7.25% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $10,518 | 6.13% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,415 | 6.88% |
| Safford, AZ (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $13,125 | 7.13% |
| DUBUQUE, IA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,318 | 6.88% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,167 | 7.25% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,618 | 6.25% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,190 | 7.13% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,648 | 6.25% |
| ST. CLOUD, MN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $10,073 | 6.25% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $9,933 | 7.63% |
| Okeechobee, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $12,968 | 5.63% |
| Berlin, NH (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $12,997 | 5.88% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $11,982 | 6.25% |
| LAREDO, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,066 | 7.63% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,601 | 7.38% |
| Wilson, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,952 | 6.38% |
| Scottsburg, IN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $10,063 | 6.75% |
| Athens, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $11,029 | 6.50% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,372 | 7.38% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,011 | 6.75% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,728 | 6.75% |
| Marshalltown, IA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,062 | 6.75% |
| Bainbridge, GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,066 | 5.75% |
| Murray, KY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $9,293 | 6.75% |
| Sault Ste. Marie, MI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,501 | 6.88% |
| REDDING, CA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,823 | 6.75% |
| Rockport, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,018 | 6.13% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $10,979 | 6.63% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 7.00% |
| FOND DU LAC, WI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $10,358 | 7.25% |
| Fort Dodge, IA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,007 | 5.99% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,647 | 6.25% |
| Huntsville, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,525 | 7.50% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,479 | 7.63% |
| Pottsville, PA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $11,249 | 6.50% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,633 | 6.63% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,095 | 6.75% |
| Campbellsville, KY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $9,428 | 6.13% |
| Rexburg, ID (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,216 | 7.13% |
| West Plains, MO (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $10,136 | 6.75% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $10,057 | 6.75% |
| Rutland, VT (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $10,078 | 7.25% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,520 | 6.63% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,931 | 7.38% |
| LEBANON, PA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,803 | 6.63% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,434 | 6.25% |
| Big Rapids, MI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,024 | 7.63% |
| OCALA, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,783 | 7.88% |
| Chillicothe, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,785 | 6.50% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,169 | 6.63% |
| Marinette, WI-MI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,871 | 7.25% |
| Pullman, WA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,479 | 6.75% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,449 | 7.50% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $8,627 | 7.25% |
| London, KY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,200 | 7.63% |
| Austin, MN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $7,030 | 6.75% |
| Bellefontaine, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,948 | 7.63% |
| Atmore, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,917 | 5.63% |
| Somerset, KY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,760 | 6.75% |
| Sunbury, PA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,769 | 6.38% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $6,092 | 7.63% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,194 | 7.00% |
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Product Mix
For 2023, Envoy Mortgage Ltd's most frequently originated type of loan was Conventional, with 2,406 originations. Their 2nd most popular type was FHA, with 1,051 originations.
Loan Reason
For 2023, Envoy Mortgage Ltd's most frequently cited loan purpose was Home Purchase, with 3,621 originations. The 2nd most popular reason was Cash Out Refi, with 191 originations.
Loan Duration/Length
For 2023, Envoy Mortgage Ltd's most frequently cited loan duration was 30 Year, with 3,790 originations. The 2nd most popular length was 15 Year, with 61 originations.
Origination Fees/Closing Costs
Envoy Mortgage Ltd's average total fees were $9,452, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 1,212 originations.
Interest Rates
During 2023, Envoy Mortgage Ltd's average interest rate for loans was 6.72%, while their most frequently originated rate bucket for loans was 6-7%, with 2,169 originations.
Loan Sizing
2023 saw Envoy Mortgage Ltd place emphasis on $200k-400k loans with 1,813 originations, totaling $531,555,000 in origination value.
Applicant Income
Envoy Mortgage Ltd lent most frequently to those with incomes in the $100k-150k range, with 1,002 originations. The second most popular income band? $150k-250k, with 798 originations.
Applicant Debt to Income Ratio
Envoy Mortgage Ltd lent most frequently to those with DTI ratios of 30-36%, with 577 originations. The next most common DTI ratio? 20-30%, with 453 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.78%
Envoy Mortgage Ltd has an average approval rate.
Pick Rate
Approvals leading to origination65.62%
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 | 3,869 | $1,278,315,000 | $330,399 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3,869 | $1,278,315,000 | $330,399 |