Envoy Mortgage Ltd Rates, Fees & Info
AUSTIN, TXLEI: 549300J6N77Q8OHYNF23
Tax ID: 76-0700342
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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: New York, Boston, Houston, Philadelphia, and Worcester among others. We have data for 315 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 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 | 6.37% | 9/1/24 |
| 30 Year Conventional Refi | 6.62% | 9/1/24 |
| 30 Year Cash-out Refi | 6.86% | 9/1/24 |
| 30 Year FHA Purchase | 6.79% | 9/1/24 |
| 30 Year FHA Refi | 7.25% | 9/1/24 |
| 30 Year VA Purchase | 6.12% | 9/1/24 |
| 30 Year VA Refi | 6.27% | 9/1/24 |
| 30 Year USDA Purchase | 6.62% | 9/1/24 |
| 15 Year Conventional Purchase | 6.10% | 9/1/24 |
| 15 Year Conventional Refi | 6.12% | 9/1/24 |
| 15 Year Cash-out Refi | 6.12% | 9/1/24 |
| 15 Year FHA Purchase | 7.51% | 9/1/24 |
| 15 Year FHA Refi | 5.68% | 9/1/24 |
| 15 Year VA Purchase | 6.11% | 9/1/24 |
| 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
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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
7,631Origination Dollar Volume (All Markets)
$2,412,765,000Awards
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ENVOY MORTGAGE LTD - 2022
ENVOY MORTGAGE LTD is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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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) | 483 | $221,375,000 | $458,333 | $8,995 | 4.86% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 314 | $125,400,000 | $399,363 | $6,971 | 4.91% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 384 | $118,710,000 | $309,141 | $9,589 | 5.06% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 375 | $117,005,000 | $312,013 | $9,305 | 5.11% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 275 | $99,275,000 | $361,000 | $8,572 | 5.23% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 262 | $96,500,000 | $368,321 | $8,321 | 4.90% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 210 | $75,080,000 | $357,524 | $8,192 | 4.82% |
| ROCKFORD, IL (FHA|USDA|VA) | 494 | $74,220,000 | $150,243 | $5,934 | 5.31% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 229 | $69,525,000 | $303,603 | $6,593 | 5.24% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 99 | $55,155,000 | $557,121 | $11,582 | 4.80% |
| Outside of Metro Areas | 240 | $53,000,000 | $220,833 | $7,062 | 5.21% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 104 | $46,680,000 | $448,846 | $10,087 | 5.11% |
| SALINAS, CA (FHA|USDA|VA) | 88 | $39,390,000 | $447,614 | $11,877 | 4.78% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 166 | $39,010,000 | $235,000 | $7,458 | 4.92% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 114 | $37,770,000 | $331,316 | $8,321 | 4.96% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 169 | $36,555,000 | $216,302 | $4,929 | 5.23% |
| LOUISVILLE, KY (FHA|USDA|VA) | 161 | $35,305,000 | $219,286 | $6,009 | 5.14% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 132 | $33,140,000 | $251,061 | $5,025 | 5.43% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 130 | $33,000,000 | $253,846 | $8,192 | 5.15% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 64 | $32,570,000 | $508,906 | $8,203 | 4.79% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 95 | $32,355,000 | $340,579 | $6,319 | 4.76% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 97 | $29,775,000 | $306,959 | $9,438 | 5.37% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 97 | $28,795,000 | $296,856 | $8,462 | 5.07% |
| MODESTO, CA (FHA|USDA|VA) | 73 | $27,285,000 | $373,767 | $9,589 | 4.93% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 63 | $26,765,000 | $424,841 | $8,452 | 4.80% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 56 | $25,950,000 | $463,393 | $9,561 | 4.97% |
| MERCED, CA (FHA|USDA|VA) | 80 | $25,670,000 | $320,875 | $10,637 | 4.95% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 110 | $24,650,000 | $224,091 | $5,216 | 4.96% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 84 | $24,040,000 | $286,190 | $8,583 | 5.14% |
| Enterprise, AL (FHA|USDA|VA) | 102 | $23,050,000 | $225,980 | $7,293 | 4.93% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 43 | $21,745,000 | $505,698 | $10,421 | 4.52% |
| Oak Harbor, WA (FHA|USDA|VA) | 48 | $21,320,000 | $444,167 | $11,754 | 4.94% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 59 | $20,445,000 | $346,525 | $11,021 | 4.86% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 29 | $19,315,000 | $666,034 | $8,022 | 4.32% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 39 | $18,765,000 | $481,154 | $10,786 | 4.48% |
| Moses Lake, WA (FHA|USDA|VA) | 52 | $16,170,000 | $310,962 | $8,811 | 5.06% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 30 | $15,310,000 | $510,333 | $13,925 | 5.22% |
| MISSOULA, MT (FHA|USDA|VA) | 36 | $15,150,000 | $420,833 | $6,789 | 4.69% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 69 | $15,125,000 | $219,203 | $6,398 | 5.31% |
| COLUMBUS, OH (FHA|USDA|VA) | 54 | $14,240,000 | $263,704 | $6,543 | 5.10% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 33 | $13,565,000 | $411,061 | $7,052 | 5.26% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 17 | $12,555,000 | $738,529 | $16,017 | 5.21% |
| VALLEJO, CA (FHA|USDA|VA) | 22 | $11,920,000 | $541,818 | $10,837 | 5.04% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 42 | $11,610,000 | $276,429 | $8,106 | 4.69% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 24 | $11,480,000 | $478,333 | $14,376 | 5.17% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 28 | $10,970,000 | $391,786 | $8,137 | 5.57% |
| FRESNO, CA (FHA|USDA|VA) | 37 | $10,665,000 | $288,243 | $8,510 | 5.09% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 55 | $10,225,000 | $185,909 | $5,112 | 5.03% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 38 | $10,150,000 | $267,105 | $8,456 | 5.26% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 32 | $9,590,000 | $299,688 | $7,819 | 5.22% |
| Othello, WA (FHA|USDA|VA) | 32 | $9,320,000 | $291,250 | $8,692 | 4.97% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 14 | $8,970,000 | $640,714 | $20,049 | 5.79% |
| YAKIMA, WA (FHA|USDA|VA) | 27 | $8,395,000 | $310,926 | $8,167 | 5.75% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 19 | $8,375,000 | $440,789 | $6,224 | 4.69% |
| Concord, NH (FHA|USDA|VA) | 24 | $7,820,000 | $325,833 | $9,277 | 5.55% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 21 | $7,785,000 | $370,714 | $10,451 | 4.84% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 24 | $7,780,000 | $324,167 | $6,968 | 4.85% |
| Ozark, AL (FHA|USDA|VA) | 47 | $7,725,000 | $164,362 | $5,975 | 5.14% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 34 | $7,600,000 | $223,529 | $5,525 | 5.24% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 36 | $7,470,000 | $207,500 | $7,393 | 5.59% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 12 | $7,390,000 | $615,833 | $12,792 | 5.36% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 14 | $7,250,000 | $517,857 | $9,519 | 5.93% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 27 | $6,925,000 | $256,481 | $8,328 | 4.97% |
| Outside of Metro Areas | 17 | $6,865,000 | $403,824 | $7,521 | 4.85% |
| DOTHAN, AL (FHA|USDA|VA) | 35 | $6,815,000 | $194,714 | $6,191 | 5.42% |
| STOCKTON, CA (FHA|USDA|VA) | 16 | $6,500,000 | $406,250 | $11,555 | 5.00% |
| SAVANNAH, GA (FHA|USDA|VA) | 19 | $6,485,000 | $341,316 | $9,433 | 5.44% |
| MUSKEGON, MI (FHA|USDA|VA) | 36 | $6,480,000 | $180,000 | $5,356 | 5.15% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 18 | $6,160,000 | $342,222 | $6,866 | 5.31% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 16 | $6,090,000 | $380,625 | $10,295 | 4.73% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 21 | $6,005,000 | $285,952 | $10,799 | 5.29% |
| MADISON, WI (FHA|USDA|VA) | 19 | $5,835,000 | $307,105 | $4,511 | 4.84% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 9 | $5,725,000 | $636,111 | $14,348 | 5.05% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 23 | $5,445,000 | $236,739 | $6,095 | 4.96% |
| SAGINAW, MI (FHA|USDA|VA) | 34 | $5,050,000 | $148,529 | $5,887 | 5.25% |
| Rochelle, IL (FHA|USDA|VA) | 28 | $4,980,000 | $177,857 | $5,450 | 5.53% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 9 | $4,615,000 | $512,778 | $6,303 | 4.15% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 12 | $4,610,000 | $384,167 | $11,472 | 6.34% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 11 | $4,385,000 | $398,636 | $8,007 | 6.44% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 14 | $4,230,000 | $302,143 | $9,997 | 6.09% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 12 | $4,220,000 | $351,667 | $7,185 | 4.81% |
| BAY CITY, MI (FHA|USDA|VA) | 36 | $4,190,000 | $116,389 | $5,289 | 5.37% |
| READING, PA (FHA|USDA|VA) | 19 | $4,145,000 | $218,158 | $8,380 | 5.07% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 14 | $4,140,000 | $295,714 | $4,962 | 5.63% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 12 | $3,900,000 | $325,000 | $6,759 | 5.07% |
| MADERA, CA (FHA|USDA|VA) | 13 | $3,885,000 | $298,846 | $10,710 | 4.89% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 14 | $3,840,000 | $274,286 | $12,113 | 5.35% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 7 | $3,795,000 | $542,143 | $10,423 | 5.70% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 8 | $3,740,000 | $467,500 | $15,202 | 3.88% |
| APPLETON, WI (FHA|USDA|VA) | 21 | $3,715,000 | $176,905 | $5,173 | 5.24% |
| RACINE, WI (FHA|USDA|VA) | 13 | $3,595,000 | $276,538 | $5,502 | 4.87% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 11 | $3,545,000 | $322,273 | $9,808 | 4.06% |
| MIDLAND, MI (FHA|USDA|VA) | 15 | $3,375,000 | $225,000 | $6,096 | 5.05% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 10 | $3,220,000 | $322,000 | $7,334 | 4.92% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 12 | $3,210,000 | $267,500 | $3,596 | 4.93% |
| Newport, OR (FHA|USDA|VA) | 7 | $3,205,000 | $457,857 | $7,601 | 4.20% |
| LANCASTER, PA (FHA|USDA|VA) | 12 | $3,110,000 | $259,167 | $10,227 | 6.08% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 9 | $3,065,000 | $340,556 | $5,929 | 5.64% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 13 | $2,945,000 | $226,538 | $8,552 | 4.64% |
| Keene, NH (FHA|USDA|VA) | 15 | $2,825,000 | $188,333 | $6,653 | 5.17% |
| SALEM, OR (FHA|USDA|VA) | 7 | $2,725,000 | $389,286 | $7,183 | 4.88% |
| Torrington, CT (FHA|USDA|VA) | 11 | $2,655,000 | $241,364 | $8,030 | 5.16% |
| Lebanon, NH-VT (FHA|USDA|VA) | 9 | $2,535,000 | $281,667 | $6,293 | 5.15% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 8 | $2,480,000 | $310,000 | $7,633 | 4.59% |
| Cambridge, MD (FHA|USDA|VA) | 8 | $2,310,000 | $288,750 | $8,725 | 6.81% |
| VISALIA, CA (FHA|USDA|VA) | 8 | $2,300,000 | $287,500 | $7,471 | 5.11% |
| LaGrange, GA-AL (FHA|USDA|VA) | 10 | $2,250,000 | $225,000 | $7,882 | 5.15% |
| HINESVILLE, GA (FHA|USDA|VA) | 8 | $2,180,000 | $272,500 | $10,549 | 4.97% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 5 | $2,105,000 | $421,000 | $8,622 | 4.55% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 8 | $2,100,000 | $262,500 | $9,050 | 6.31% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 5 | $2,075,000 | $415,000 | $7,454 | 4.53% |
| FLINT, MI (FHA|USDA|VA) | 14 | $2,020,000 | $144,286 | $5,072 | 5.64% |
| PANAMA CITY, FL (FHA|USDA|VA) | 8 | $2,010,000 | $251,250 | $6,776 | 4.64% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 7 | $2,005,000 | $286,429 | $6,601 | 5.16% |
| Payson, AZ (FHA|USDA|VA) | 6 | $1,950,000 | $325,000 | $6,313 | 5.17% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 7 | $1,885,000 | $269,286 | $6,909 | 5.63% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 6 | $1,870,000 | $311,667 | $8,394 | 5.63% |
| Laconia, NH (FHA|USDA|VA) | 7 | $1,855,000 | $265,000 | $7,900 | 5.00% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 3 | $1,845,000 | $615,000 | $13,698 | 5.38% |
| DOVER, DE (FHA|USDA|VA) | 6 | $1,810,000 | $301,667 | $11,006 | 4.90% |
| FOND DU LAC, WI (FHA|USDA|VA) | 10 | $1,790,000 | $179,000 | $7,064 | 5.77% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $1,730,000 | $865,000 | $8,998 | 4.38% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 6 | $1,710,000 | $285,000 | $9,421 | 5.67% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 2 | $1,690,000 | $845,000 | $14,046 | 5.94% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 10 | $1,650,000 | $165,000 | $4,786 | 4.83% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 9 | $1,585,000 | $176,111 | $3,793 | 6.05% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 2 | $1,580,000 | $790,000 | $5,981 | 4.94% |
| WENATCHEE, WA (FHA|USDA|VA) | 5 | $1,565,000 | $313,000 | $5,524 | 4.65% |
| Whitewater, WI (FHA|USDA|VA) | 9 | $1,495,000 | $166,111 | $5,079 | 4.92% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 6 | $1,450,000 | $241,667 | $5,948 | 4.69% |
| Butte-Silver Bow, MT (FHA|USDA|VA) | 1 | $1,405,000 | $1,405,000 | $7,421 | 3.63% |
| Manitowoc, WI (FHA|USDA|VA) | 7 | $1,355,000 | $193,571 | $5,475 | 4.98% |
| Freeport, IL (FHA|USDA|VA) | 9 | $1,345,000 | $149,444 | $7,131 | 5.36% |
| Dixon, IL (FHA|USDA|VA) | 10 | $1,340,000 | $134,000 | $5,092 | 5.84% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 6 | $1,260,000 | $210,000 | $7,111 | 5.63% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 3 | $1,215,000 | $405,000 | $7,050 | 5.13% |
| TUCSON, AZ (FHA|USDA|VA) | 4 | $1,210,000 | $302,500 | $9,708 | 4.66% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 5 | $1,145,000 | $229,000 | $10,649 | 5.93% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 4 | $1,140,000 | $285,000 | $9,782 | 4.94% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 3 | $1,125,000 | $375,000 | $5,498 | 4.50% |
| Helena, MT (FHA|USDA|VA) | 2 | $1,060,000 | $530,000 | $7,918 | 3.75% |
| Frankfort, KY (FHA|USDA|VA) | 6 | $1,050,000 | $175,000 | $7,369 | 5.02% |
| YUMA, AZ (FHA|USDA|VA) | 4 | $1,040,000 | $260,000 | $6,926 | 4.87% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $7,591 | 4.54% |
| Bardstown, KY (FHA|USDA|VA) | 4 | $1,030,000 | $257,500 | $7,909 | 5.19% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 4 | $970,000 | $242,500 | $6,765 | 5.15% |
| ANN ARBOR, MI (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $5,910 | 6.00% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $6,067 | 4.22% |
| Richmond-Berea, KY (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $6,229 | 4.33% |
| CHICO, CA (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $5,152 | 4.56% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $10,035 | 6.21% |
| Somerset, KY (FHA|USDA|VA) | 4 | $870,000 | $217,500 | $7,182 | 4.72% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $6,415 | 4.79% |
| Sonora, CA (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $5,715 | 4.58% |
| AMES, IA (FHA|USDA|VA) | 5 | $825,000 | $165,000 | $6,452 | 5.88% |
| YUBA CITY, CA (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $10,733 | 5.31% |
| Stevens Point, WI (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $4,600 | 5.06% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $7,582 | 5.17% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $11,636 | 4.06% |
| ST. CLOUD, MN (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $5,535 | 4.67% |
| BELLINGHAM, WA (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $7,168 | 4.06% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 4 | $760,000 | $190,000 | $6,606 | 5.19% |
| GETTYSBURG, PA (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $9,313 | 4.25% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $5,335 | 5.63% |
| St. Marys, GA (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $5,107 | 5.79% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $10,400 | 3.69% |
| Hilo, HI (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $8,014 | 5.13% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $6,639 | 6.17% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $4,202 | 4.50% |
| Fredericksburg, TX (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $15,740 | 5.88% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $9,284 | 6.04% |
| ABILENE, TX (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $11,352 | 5.44% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $5,774 | 5.00% |
| GREEN BAY, WI (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $1,857 | 4.50% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $4,619 | 4.00% |
| Beaver Dam, WI (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $6,069 | 5.29% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $0 | 6.13% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $6,052 | 5.71% |
| Show Low, AZ (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $6,899 | 5.06% |
| TOLEDO, OH (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $7,299 | 6.63% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 4 | $620,000 | $155,000 | $4,578 | 5.22% |
| NAPA, CA (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $3,008 | 3.38% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $12,794 | 5.88% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $7,148 | 6.63% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $6,116 | 4.50% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $14,962 | 6.19% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $5,794 | 5.56% |
| Hood River, OR (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $12,299 | 6.00% |
| Mount Sterling, KY (FHA|USDA|VA) | 4 | $570,000 | $142,500 | $4,882 | 4.56% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $5,093 | 5.63% |
| Huntsville, TX (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $11,706 | 5.44% |
| ROCHESTER, MN (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $5,890 | 4.93% |
| Red Wing, MN (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $5,002 | 5.38% |
| Bozeman, MT (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $4,924 | 3.63% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $2,668 | 6.31% |
| Barre, VT (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $10,622 | 5.25% |
| Susanville, CA (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $5,425 | 5.38% |
| Baraboo, WI (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $9,879 | 5.19% |
| UTICA-ROME, NY (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $15,255 | 4.81% |
| BANGOR, ME (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $7,853 | 5.88% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $13,006 | 5.88% |
| AMARILLO, TX (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $10,433 | 5.00% |
| Easton, MD (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $9,080 | 3.88% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $10,535 | 6.19% |
| TYLER, TX (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $11,255 | 6.25% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $8,490 | 4.38% |
| OCALA, FL (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $9,095 | 4.13% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $5,654 | 5.25% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $4,879 | 6.13% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $3,966 | 3.81% |
| Alma, MI (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $5,842 | 5.44% |
| GREAT FALLS, MT (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $4,967 | 4.50% |
| Hutchinson, MN (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $7,685 | 5.88% |
| Danville, KY (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $4,824 | 5.00% |
| Fergus Falls, MN (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $14,349 | 4.38% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $4,975 | 5.31% |
| NILES, MI (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,901 | 4.94% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $7,109 | 4.63% |
| OWENSBORO, KY (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $5,367 | 3.88% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $7,851 | 6.50% |
| Menomonie, WI (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,628 | 5.38% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $1,602 | 5.63% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $10,379 | 5.94% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $8,739 | 5.63% |
| Shawano, WI (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $2,506 | 4.13% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $6,913 | 5.50% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $6,342 | 5.13% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $7,952 | 5.13% |
| Grand Rapids, MN (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $6,058 | 5.63% |
| Durango, CO (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,554 | 5.75% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $10,482 | 5.63% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $17,413 | 4.25% |
| RICHMOND, VA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $8,355 | 6.00% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $12,472 | 6.00% |
| Ontario, OR-ID (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $4,368 | 5.69% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $14,949 | 5.25% |
| Wilmington, OH (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,158 | 5.88% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $9,632 | 4.50% |
| LAFAYETTE, LA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $8,013 | 6.00% |
| PITTSFIELD, MA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $3,693 | 4.19% |
| Sault Ste. Marie, MI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,390 | 4.38% |
| London, KY (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $6,639 | 5.38% |
| LEBANON, PA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $7,553 | 3.75% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $7,818 | 6.38% |
| Berlin, NH (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $6,845 | 5.75% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,274 | 6.00% |
| GLENS FALLS, NY (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $10,428 | 5.63% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,699 | 3.38% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,970 | 5.88% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $8,553 | 5.63% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $6,018 | 5.63% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,999 | 6.25% |
| Bonham, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $11,438 | 6.63% |
| Warren, PA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,796 | 7.00% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,090 | 4.75% |
| Mayfield, KY (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $11,961 | 5.25% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,961 | 4.88% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $10,737 | 3.88% |
| Sayre, PA (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $6,529 | 3.88% |
| Lake City, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,418 | 4.25% |
| Safford, AZ (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $12,796 | 5.25% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,867 | 5.25% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,449 | 3.99% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $12,001 | 6.13% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 6.50% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 4.25% |
| Wauchula, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $11,979 | 5.25% |
| Athens, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $11,513 | 5.25% |
| Mason City, IA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,937 | 5.25% |
| DECATUR, IL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,614 | 6.88% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,555 | 3.88% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,854 | 5.88% |
| New Ulm, MN (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $3,543 | 5.69% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,614 | 5.63% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,737 | 4.38% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,726 | 7.25% |
| SYRACUSE, NY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,674 | 3.75% |
| REDDING, CA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,421 | 4.88% |
| Pullman, WA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,376 | 6.50% |
| Cullman, AL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 5.00% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,130 | 7.00% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 4.38% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,663 | 6.38% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,672 | 5.75% |
| Jasper, IN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,120 | 4.25% |
| Troy, AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,696 | 4.63% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,489 | 3.25% |
| Connersville, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,452 | 5.25% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 4.63% |
| Oneonta, NY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,853 | 5.63% |
| Marion, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,956 | 5.75% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,687 | 5.00% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 4.88% |
| Scottsburg, IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,400 | 5.13% |
| Middlesborough, KY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,241 | 4.25% |
| KINGSTON, NY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,830 | 3.25% |
| Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,543 | 5.50% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,857 | 5.00% |
| Fort Payne, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,688 | 3.99% |
| Hannibal, MO (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,541 | 7.00% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,890 | 5.63% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 6.13% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,574 | 5.88% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,576 | 5.75% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,762 | 6.00% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,678 | 5.75% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 3.88% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,311 | 5.75% |
| Mount Pleasant, MI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,756 | 4.13% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,333 | 4.75% |
| Fort Dodge, IA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,100 | 5.50% |
| Austin, MN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,626 | 5.63% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,118 | 4.50% |
| DuBois, PA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,552 | 6.38% |
| Sterling, IL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,818 | 4.25% |
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Product Mix
For 2022, Envoy Mortgage Ltd's most frequently originated type of loan was Conventional, with 5,415 originations. Their 2nd most popular type was FHA, with 1,574 originations.
Loan Reason
For 2022, Envoy Mortgage Ltd's most frequently cited loan purpose was Home Purchase, with 6,417 originations. The 2nd most popular reason was Home Improvement, with 559 originations.
Loan Duration/Length
For 2022, Envoy Mortgage Ltd's most frequently cited loan duration was 30 Year, with 7,311 originations. The 2nd most popular length was 15 Year, with 239 originations.
Origination Fees/Closing Costs
Envoy Mortgage Ltd's average total fees were $8,077, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,565 originations.
Interest Rates
During 2022, Envoy Mortgage Ltd's average interest rate for loans was 5.13%, while their most frequently originated rate bucket for loans was 5-6%, with 2,673 originations.
Loan Sizing
2022 saw Envoy Mortgage Ltd place emphasis on $200k-400k loans with 3,591 originations, totaling $1,045,835,000 in origination value.
Applicant Income
Envoy Mortgage Ltd lent most frequently to those with incomes in the $100k-150k range, with 1,831 originations. The second most popular income band? $50k-75k, with 1,708 originations.
Applicant Debt to Income Ratio
Envoy Mortgage Ltd lent most frequently to those with DTI ratios of 30-36%, with 1,222 originations. The next most common DTI ratio? 20-30%, with 1,051 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.98%
Envoy Mortgage Ltd has an average approval rate.
Pick Rate
Approvals leading to origination59.38%
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 | 7,631 | $2,412,765,000 | $316,179 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 7,631 | $2,412,765,000 | $316,179 |