# ENVOY MORTGAGE, LTD

> **Canonical URL:** https://saferate.com/lenders/envoy-mortgage


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


ENVOY MORTGAGE, LTD is a independent mortgage company, headquartered in AUSTIN, TX, serving borrowers nationwide, with 3,535 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 77% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 45% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300J6N77Q8OHYNF23
- **Headquarters:** AUSTIN, TX
- **Geographic Reach:** National
- **States Served:** 43
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NH, NJ, NM, OH, OK, OR, PA, RI, SC, TN, TX, VA, WA, WI, WV
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 23/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 55/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.440%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,262
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 3,535
- **Dollar Volume:** $1.3 billion
- **Applications Received:** 6,332
- **Market Share:** 10.00%

## Typical Borrower Profile

- **Average Loan Amount:** $371,150
- **Average Borrower Income:** $137,975
- **Average Property Value:** $462,662

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 79/100 | 2,168 | +0.428% | $3,172 | Strong 😀 |
| FHA | 81/100 | 866 | +0.769% | $3,872 | Exceptional 🤩 |
| VA | 80/100 | 435 | -0.084% | $2,795 | Exceptional 🤩 |
| Jumbo | 69/100 | 46 | +0.341% | $2,930 | Strong 😀 |
| USDA | 74/100 | 20 | +0.785% | $2,607 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 2,015 loans, Score: 79/100 (Strong)
- Refinance: 153 loans, Score: 64/100 (Strong)

**FHA:**
- Purchase: 831 loans, Score: 82/100 (Exceptional)
- Refinance: 35 loans, Score: 48/100 (Sound)

**VA:**
- Purchase: 424 loans, Score: 81/100 (Exceptional)

**Jumbo:**
- Purchase: 42 loans, Score: 71/100 (Strong)

**USDA:**
- Purchase: 20 loans, Score: 74/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 82/100 | 3,332 | $1.2B | +0.447% | Exceptional 🤩 |
| Refinance | 64/100 | 203 | $78M | +0.352% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 320 | 0.11% | 65/100 |
| TX | 318 | 0.09% | 66/100 |
| MD | 269 | 0.38% | 72/100 |
| WA | 246 | 0.29% | 72/100 |
| IL | 189 | 0.15% | 66/100 |
| NC | 179 | 0.12% | 63/100 |
| NH | 156 | 1.00% | 73/100 |
| MA | 154 | 0.26% | 65/100 |
| KY | 137 | 0.29% | 67/100 |
| CO | 125 | 0.15% | 62/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 469 | 69/100 |
| Houston | TX | 141 | 65/100 |
| Rockford, IL | IL | 129 | 79/100 |
| Louisville/Jefferson County, KY | KY-IN | 122 | 71/100 |
| Baltimore | MD | 113 | 66/100 |
| Rockingham County | NH | 99 | 75/100 |
| Phoenix | AZ | 85 | 58/100 |
| Wilmington, DE |  | 76 | 65/100 |
| Denver | CO | 70 | 58/100 |
| Oakland | CA | 70 | 63/100 |
| Winston | NC | 68 | 67/100 |
| Portland | OR-WA | 64 | 59/100 |
| Worcester, MA | MA | 63 | 68/100 |
| Oklahoma City, OK | OK | 58 | 60/100 |
| Frederick | MD | 54 | 63/100 |

## Where This Lender Ranks

ENVOY MORTGAGE, LTD appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Missoula, MT for VA Loans
  - [View Full Rankings](https://saferate.com/missoula-mt/best-mortgage-lenders/va-loans)
- 🏆 **#4** in Missoula, MT for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/missoula-mt/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#7** in Missoula, MT Mortgage Companies
  - [View Full Rankings](https://saferate.com/missoula-mt/best-mortgage-lenders/mortgage-companies)
- 🏆 **#7** in Sheboygan, WI for FHA Loans
  - [View Full Rankings](https://saferate.com/sheboygan-wi/best-mortgage-lenders/fha-loans)
- 🏆 **#7** in Sheboygan, WI for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/sheboygan-wi/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#8** in Rockford, IL for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/rockford-il/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#9** in Missoula, MT for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/missoula-mt/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#9** in Mount Vernon for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/mount-vernon/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#10** in Yakima, WA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/yakima-wa/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#11** in Rockford, IL Mortgage Companies
  - [View Full Rankings](https://saferate.com/rockford-il/best-mortgage-lenders/mortgage-companies)
- 🏆 **#11** in Missoula, MT
  - [View Full Rankings](https://saferate.com/missoula-mt/best-mortgage-lenders)
- 🏆 **#11** in Abilene, TX Mortgage Companies
  - [View Full Rankings](https://saferate.com/abilene-tx/best-mortgage-lenders/mortgage-companies)
- 🏆 **#11** in Abilene, TX for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/abilene-tx/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#11** in Abilene, TX for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/abilene-tx/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#11** in Dothan, AL for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/dothan-al/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#11** in Mount Vernon for VA Loans
  - [View Full Rankings](https://saferate.com/mount-vernon/best-mortgage-lenders/va-loans)
- 🏆 **#12** in Rockford, IL for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/rockford-il/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#12** in San Luis Obispo Mortgage Companies
  - [View Full Rankings](https://saferate.com/san-luis-obispo/best-mortgage-lenders/mortgage-companies)
- 🏆 **#12** in Appleton, WI for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/appleton-wi/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#12** in Eau Claire, WI for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/eau-claire-wi/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does ENVOY MORTGAGE, LTD offer?

ENVOY MORTGAGE, LTD offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does ENVOY MORTGAGE, LTD offer mortgages?

ENVOY MORTGAGE, LTD is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are ENVOY MORTGAGE, LTD's mortgage rates?

ENVOY MORTGAGE, LTD has a pricing score of 23/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.440% above market average.

### What type of lender is ENVOY MORTGAGE, LTD?

ENVOY MORTGAGE, LTD is a non-depository lender that specializes in mortgage origination, headquartered in AUSTIN, TX.

### What is ENVOY MORTGAGE, LTD's loan approval success rate?

ENVOY MORTGAGE, LTD has a pull-through score of 55/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/envoy-mortgage

### How to Cite

> "ENVOY MORTGAGE, LTD Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/envoy-mortgage

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