Lender in Washington · HMDA 2025
Envoy Mortgage, LTD mortgages in Washington
Envoy Mortgage, LTD's 2025 home-purchase and refinance lending in Washington, compared with all lenders in the state.
Envoy Mortgage, LTD originated 355 owner-occupied single-family loans in Washington from 381 completed applications.
Its median conventional purchase loan costs were $6,770 versus $6,530 for all Washington lenders, at a median 30-year fixed rate of 6.625% (Washington: 6.625%).
Loans in WA
355
of 381 applications
Denial rate
4.6%
Purchase · WA 5.9%
Rate spread
+0.22 pts
Conv. · WA +0.10 pts
Loan amount
$435,000
Purchase · WA $495,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 346 | 330 | 4.6% | 6.625% | +0.22 pts | $6,770 | $435,000 |
| Refinance | 19 | 15 | — | — | — | — | — |
| Cash-out refinance | 16 | 10 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Washington counties where Envoy Mortgage, LTD ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Island County | 9 | 41 | 3.2% |
| Skagit County | 21 | 19 | 1.3% |
| Franklin County | 23 | 11 | 0.9% |
| Whatcom County | 24 | 23 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology