Lender in Texas · HMDA 2025
Envoy Mortgage, LTD mortgages in Texas
Envoy Mortgage, LTD's 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
Envoy Mortgage, LTD originated 389 owner-occupied single-family loans in Texas from 406 completed applications.
Its median conventional purchase loan costs were $7,180 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.625% (Texas: 6.50%).
Loans in TX
389
of 406 applications
Denial rate
1.8%
Purchase · TX 10.2%
Rate spread
+0.17 pts
Conv. · TX +0.09 pts
Loan amount
$315,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 380 | 373 | 1.8% | 6.625% | +0.17 pts | $7,180 | $315,000 |
| Refinance | 14 | 10 | — | — | — | — | — |
| Cash-out refinance | 12 | 6 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Texas counties where Envoy Mortgage, LTD ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Taylor County | 13 | 44 | 1.8% |
| Callahan County | 23 | 2 | 1.0% |
| Lynn County | 23 | 1 | 1.5% |
| Nolan County | 25 | 1 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology