Lender in California · HMDA 2025
Envoy Mortgage, LTD mortgages in California
Envoy Mortgage, LTD's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Envoy Mortgage, LTD originated 381 owner-occupied single-family loans in California from 401 completed applications.
Its median conventional purchase loan costs were $6,860 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.625% (California: 6.625%).
Loans in CA
381
of 401 applications
Denial rate
2.1%
Purchase · CA 8.9%
Rate spread
+0.20 pts
Conv. · CA +0.09 pts
Loan amount
$535,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 337 | 328 | 2.1% | 6.625% | +0.20 pts | $6,860 | $535,000 |
| Refinance | 36 | 28 | 22.2% | 6.125% | −0.02 pts | $5,910 | $545,000 |
| Cash-out refinance | 28 | 25 | 10.7% | 6.875% | +0.37 pts | $6,380 | $405,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where Envoy Mortgage, LTD ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| San Luis Obispo County | 9 | 49 | 2.1% |
| Napa County | 23 | 8 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology