Lender in North Carolina · HMDA 2025
Envoy Mortgage, LTD mortgages in North Carolina
Envoy Mortgage, LTD's 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
Envoy Mortgage, LTD originated 300 owner-occupied single-family loans in North Carolina from 306 completed applications.
Its median conventional purchase loan costs were $6,610 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 6.625% (North Carolina: 6.50%).
Loans in NC
300
of 306 applications
Denial rate
0.4%
Purchase · NC 7.6%
Rate spread
+0.25 pts
Conv. · NC +0.04 pts
Loan amount
$275,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 288 | 287 | 0.4% | 6.625% | +0.25 pts | $6,610 | $275,000 |
| Refinance | 6 | 5 | — | — | — | — | — |
| Cash-out refinance | 12 | 8 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where Envoy Mortgage, LTD ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Yadkin County | 13 | 6 | 1.6% |
| Davie County | 15 | 13 | 1.8% |
| Surry County | 17 | 10 | 1.4% |
| Stokes County | 21 | 6 | 1.0% |
| Forsyth County | 24 | 68 | 1.2% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology