Envoy Mortgage, Ltd mortgage approval rate & lending review
Envoy Mortgage, Ltd decided 11,369 mortgage applications and funded 10,571 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Envoy Mortgage, Ltd reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to envoymortgage.com.
Envoy Mortgage, Ltd at a glance
Approval is 7.5 points above the 85.9% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 9,203 / 9,568 | 100% | $345K | 9,169 |
| Cash-out refinance | 69% | 393 / 567 | 98% | $285K | 386 |
| Refinance | 72% | 346 / 483 | 99% | $395K | 344 |
| Investment property purchase | 95% | 538 / 564 | 99% | $265K | 535 |
| Investment cash-out refinance | 77% | 116 / 151 | 99% | $185K | 115 |
| Investment refinance | 61% | 22 / 36 | 100% | $325K | 22 |
Envoy Mortgage, Ltd lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 96% | $535K | 1,209 | 1,152 |
| Texas | 94% | $305K | 1,131 | 1,057 |
| Washington | 92% | $415K | 766 | 704 |
| Maryland | 93% | $395K | 719 | 665 |
| Massachusetts | 91% | $385K | 616 | 562 |
| Illinois | 96% | $165K | 594 | 565 |
| North Carolina | 94% | $245K | 482 | 451 |
| Pennsylvania | 94% | $325K | 419 | 392 |
| New Hampshire | 96% | $345K | 414 | 393 |
| Arizona | 91% | $405K | 404 | 365 |
| Wisconsin | 91% | $225K | 339 | 306 |
| Florida | 91% | $295K | 330 | 301 |
| Colorado | 98% | $435K | 281 | 275 |
| Georgia | 95% | $335K | 277 | 261 |
| Oregon | 95% | $415K | 276 | 261 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Envoy Mortgage, Ltd lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Winnebago County, IL | Mortgage lenders | 98% | 446 | 435 |
| Worcester County, MA | Mortgage lenders | 93% | 259 | 241 |
| Strafford County, NH | Mortgage lenders | 98% | 187 | 182 |
| Jefferson County, KY | Mortgage lenders | 98% | 162 | 158 |
| Contra Costa County, CA | Mortgage lenders | 99% | 159 | 156 |
| San Luis Obispo County, CA | Mortgage lenders | 100% | 109 | 109 |
| Spokane County, WA | Mortgage lenders | 97% | 111 | 107 |
| Cecil County, MD | Mortgage lenders | 97% | 100 | 97 |
| Forsyth County, NC | Mortgage lenders | 99% | 96 | 95 |
| Polk County, IA | Mortgage lenders | 98% | 93 | 91 |
| Frederick County, MD | Mortgage lenders | 95% | 86 | 81 |
| Baltimore County, MD | Mortgage lenders | 99% | 79 | 78 |
The county markets where Envoy Mortgage, Ltd made the most loans. Each link opens that market with every lender ranked.
Questions about Envoy Mortgage, Ltd
What is Envoy Mortgage, Ltd's mortgage approval rate?
Envoy Mortgage, Ltd approved 93.4% of the 11,369 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.5 points above the 85.9% national rate for the same mix of loan types.
How often do borrowers take the loan Envoy Mortgage, Ltd offers?
Borrowers accepted 100% of the loans Envoy Mortgage, Ltd approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Envoy Mortgage, Ltd make?
The typical home purchase mortgage loan Envoy Mortgage, Ltd made was $345K; across all loan types its typical loan ran from $185K to $395K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Envoy Mortgage, Ltd lend?
Envoy Mortgage, Ltd decided applications in 49 of the states Fat Boy Data covers, most of them in California, Texas and Washington.
Can I apply to Envoy Mortgage, Ltd directly?
Yes. Envoy Mortgage, Ltd reports as a direct lender that takes applications from borrowers. Its website is envoymortgage.com.
Does this page show Envoy Mortgage, Ltd's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Envoy Mortgage, Ltd treats applications, then get a rate quote from the lender.