Mortgage Lender Index

ENVOY MORTGAGE, LTD

ENVOY MORTGAGE, LTD received 7,824 applications in 2025 and made 5,501 mortgages, in 870 counties across 50 states. The median rate its borrowers got was 6.625% on a median loan of $325,000. Of 5,888 decisions, 365 were denials — 6.2%, most often for credit application incomplete. 3 of its applications carried no county and are counted here but on no county page.

Legal Entity Identifier549300J6N77Q8OHYNF23
Applications received7,824
Mortgages made5,501
Denied365
Approved, not taken up22
Withdrawn or incomplete1,936
Loans bought from other lenders1
Median rate spread over the prime offer rate0.322 points
FDIC-insured bankThis lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name.

By loan purpose

PurposeMortgages madeMedian rateMedian loanDenied
Home purchase4,983 6.625%$325,000 3.5%
Refinancing267 6.125%$395,000 25.6%
Cash-out refinancing251 6.875%$265,000 26.4%
Other purposes0 Under 10 loansUnder 10 loans Not published

Where ENVOY MORTGAGE, LTD lends most

The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.

CountyMortgages madeMedian rateDenied
Winnebago County, IL 1606.875%4.2%
Strafford County, NH 926.625%2.1%
Maricopa County, AZ 876.625%12.1%
Harris County, TX 786.500%7.1%
Forsyth County, NC 766.625%1.3%
Worcester County, MA 746.875%8.6%
Contra Costa County, CA 716.375%1.4%
San Luis Obispo County, CA 646.625%3.0%
Benton County, AR 626.625%1.6%
Flathead County, MT 616.625%0.0%
Polk County, IA 586.875%3.3%
Ada County, ID 506.625%2.0%
Frederick County, MD 506.563%9.1%
Spokane County, WA 506.625%2.0%
St. Louis County, MO 496.875%5.8%
Jackson County, MO 486.688%2.0%
Island County, WA 466.125%6.1%
Taylor County, TX 456.625%0.0%
Vanderburgh County, IN 426.875%4.4%
Oklahoma County, OK 416.625%2.4%
Clark County, WA 406.625%4.7%
Allen County, IN 396.625%0.0%
Jefferson County, KY 396.625%11.4%
Mecklenburg County, NC 376.500%5.1%
Snohomish County, WA 376.375%15.9%
Bexar County, TX 366.125%0.0%
Guilford County, NC 356.625%10.3%
Cuyahoga County, OH 356.625%12.5%
Baltimore city, MD 346.563%8.1%
St. Charles County, MO 346.813%0.0%
Bonneville County, ID 336.500%5.7%
Canyon County, ID 336.375%5.7%
Baltimore County, MD 336.500%10.8%
Cecil County, MD 336.500%8.3%
Cleveland County, OK 336.625%5.7%
Travis County, TX 336.625%2.9%
King County, WA 336.625%19.5%
Los Angeles County, CA 326.625%8.6%
Rockingham County, NH 326.625%3.0%
Philadelphia County, PA 326.625%5.9%
Honolulu County, HI 316.500%13.9%
Bristol County, MA 316.500%0.0%
Alameda County, CA 306.375%6.3%
San Bernardino County, CA 306.625%18.9%
Calumet County, WI 306.625%9.1%
Fulton County, GA 296.500%6.5%
Washington County, OR 296.625%3.3%
Harford County, MD 286.563%3.5%
Cobb County, GA 276.250%10.0%
Pierce County, WA 276.875%12.9%

Get told when this changes

When ENVOY MORTGAGE, LTD’s figures are published for the next year, or restated.

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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.