Envoy Mortgage, LTD: 2025 mortgage rates, costs & approvals
How Envoy Mortgage, LTD priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: ENVOY MORTGAGE, LTD · LEI 549300J6N77Q8OHYNF23
In 2025, Envoy Mortgage, LTD originated 5,043 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 50 states — 130th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was 14 basis points above the national median. Median conventional loan costs were $5,670, about the same as the national median ($5,570).
It denied 3.1% of completed home-purchase applications (all lenders: 8.5%).
How Envoy Mortgage, LTD priced home-purchase loans
| Purchase loans, 2025 | Envoy Mortgage, LTD | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.625% | 6.250% |
| 30-year fixed rate · VA | 6.375% | 6.125% |
| 15-year fixed rate · conventional | 5.875% | 5.875% |
| Rate spread vs. APOR · conventional | +0.27 pts | +0.13 pts |
| Total loan costs · conventional | $5,670 | $5,570 |
| Total loan costs · FHA | $12,180 | $11,310 |
| Total loan costs · VA | $6,740 | $6,490 |
| Origination charges (all types) | $2,400 | $1,860 |
| Borrowers paying discount points | 50.0% | 51.3% |
| Points paid, when paid (% of loan) | 0.83% | 0.87% |
| Borrowers receiving lender credits | 31.4% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Envoy Mortgage, LTD denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Envoy Mortgage, LTD lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Texas | 389 | 406 | 1.8% | 6.625% | $7,180 |
| California | 381 | 401 | 2.1% | 6.625% | $6,860 |
| Washington | 355 | 381 | 4.6% | 6.625% | $6,770 |
| North Carolina | 300 | 306 | 0.4% | 6.625% | $6,610 |
| Illinois | 282 | 295 | 2.9% | 6.875% | $4,440 |
| Maryland | 254 | 281 | 4.7% | 6.625% | $6,250 |
| Missouri | 200 | 209 | 3.7% | 6.875% | $4,210 |
| New Hampshire | 180 | 188 | 1.5% | 6.625% | $5,820 |
| Georgia | 177 | 190 | 4.4% | 6.625% | $6,640 |
| Massachusetts | 161 | 172 | 3.1% | 6.750% | $5,240 |
| Wisconsin | 154 | 171 | 5.5% | 6.625% | $4,710 |
| Colorado | 152 | 153 | 0.7% | 6.625% | $7,270 |
| Idaho | 151 | 157 | 2.6% | 6.625% | $6,460 |
| Oregon | 143 | 155 | 2.3% | 6.750% | $6,560 |
| Oklahoma | 135 | 140 | 0.8% | 6.625% | $5,020 |
| Pennsylvania | 133 | 138 | 2.3% | 6.625% | $6,160 |
| Indiana | 127 | 130 | 1.6% | 6.750% | $3,820 |
| Ohio | 114 | 126 | 3.0% | 6.625% | $5,820 |
| Virginia | 113 | 137 | 9.1% | 6.625% | $5,730 |
| Iowa | 110 | 114 | 1.9% | 6.875% | $3,300 |
| Arizona | 99 | 114 | 6.8% | 6.625% | $6,760 |
| Florida | 88 | 94 | 4.5% | 6.625% | $7,730 |
| Montana | 79 | 81 | 0.0% | 6.750% | $6,020 |
| Kentucky | 78 | 86 | 2.9% | 6.625% | $5,750 |
| Arkansas | 73 | 74 | 0.0% | 6.625% | $4,490 |
| South Carolina | 64 | 69 | 6.2% | 6.625% | $6,030 |
| Minnesota | 55 | 56 | 1.9% | 6.750% | $4,730 |
| Alaska | 47 | 47 | 0.0% | — | — |
| Kansas | 42 | 43 | 2.6% | 6.875% | $3,000 |
| New Jersey | 41 | 44 | 2.4% | 6.625% | $5,520 |
| Hawaii | 35 | 39 | 8.3% | — | — |
| Maine | 34 | 36 | 3.6% | — | $4,890 |
| New Mexico | 34 | 36 | 3.0% | — | — |
| Tennessee | 30 | 34 | 6.7% | — | — |
| Nevada | 29 | 32 | 3.7% | — | — |
| Utah | 29 | 30 | 0.0% | — | — |
| Rhode Island | 27 | 27 | 0.0% | — | — |
| Delaware | 25 | 26 | 0.0% | — | — |
| Connecticut | 22 | 27 | 15.4% | — | — |
| Michigan | 19 | 21 | — | — | — |
| Louisiana | 18 | 20 | — | — | — |
| Alabama | 18 | 19 | — | — | — |
| West Virginia | 16 | 17 | — | — | — |
| District of Columbia | 14 | 21 | 30.0% | — | — |
| North Dakota | 8 | 8 | — | — | — |
| Mississippi | 4 | 5 | — | — | — |
| Nebraska | 2 | 2 | — | — | — |
| South Dakota | 1 | 1 | — | — | — |
| Vermont | 1 | 1 | — | — | — |
| New York | 0 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Envoy Mortgage, LTD's page for that state.
Counties where Envoy Mortgage, LTD is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Skagway Municipality, AK | 8 | 1 | 9.1% |
| Strafford County, NH | 4 | 84 | 4.9% |
| Winnebago County, IL | 4 | 158 | 4.5% |
| Pondera County, MT | 7 | 2 | 4.3% |
| Power County, ID | 13 | 2 | 3.7% |
| Flathead County, MT | 6 | 52 | 3.6% |
| Lee County, IL | 9 | 10 | 3.6% |
| Pepin County, WI | 11 | 3 | 3.5% |
| Island County, WA | 9 | 41 | 3.2% |
| Boone County, IL | 6 | 21 | 3.2% |
| Calumet County, WI | 6 | 29 | 3.1% |
| Carroll County, NH | 6 | 21 | 3.1% |
| Ogle County, IL | 11 | 21 | 3.1% |
| Traverse County, MN | 12 | 1 | 3.0% |
| Tillman County, OK | 15 | 1 | 2.9% |
Check Envoy Mortgage, LTD yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300J6N77Q8OHYNF23.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Envoy Mortgage, LTD with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology