What loan types does Envoy Mortgage offer?

Envoy Mortgage offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, usda. Each product has its own pricing score and performance metrics.

Where does Envoy Mortgage offer mortgages?

Envoy Mortgage is a national lender offering mortgages in all 50 states plus Washington D.C.

How competitive are Envoy Mortgage's mortgage rates?

Envoy Mortgage has an overall pricing score of 22.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Envoy Mortgage?

Envoy Mortgage is a Independent Mortgage Company headquartered in AUSTIN, TX.

Unclaimed

Envoy Mortgage

Independent Mortgage Company•Austin, TXHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Envoy Mortgage — 3.5k loans across 6k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Sound

3/5

National · 49 mkts

Summary

What They Do Well

Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Nationwide availability with consistent service

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Envoy Mortgage performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+44.0 bps above market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Strong

Top 40% of lenders

FHA

Exceptional

Top 20% of lenders

Exceptional

Top 20% of lenders

Jumbo

Strong

Top 40% of lenders

USDA

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

National · 50 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Strong	Acceptable	Sound	2,168	61.3%	+0.428%Above	$3,172Fees
FHA Loans	Sound	Exceptional	Acceptable	Sound	866	24.5%	+0.769%Above	$3,872Fees
VA Loans	Sound	Exceptional	Acceptable	Sound	435	12.3%	-0.084%Below	$2,795Fees
Jumbo Loans	Sound	Strong	Acceptable	Sound	46	1.3%	+0.341%Above	$2,930Fees
USDA Loans	Sound	Strong	—	Sound	20	0.6%	+0.785%Above	$2,607Fees

Conventional

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Sound

Volume2,168

Mix61.3%

Spread

+0.428%Above

Fees

$3,172Fees

FHA Loans

Overall

Sound

Product

Exceptional

Pricing

Acceptable

Pull Through

Sound

Volume866

Mix24.5%

Spread

+0.769%Above

Fees

$3,872Fees

VA Loans

Overall

Sound

Product

Exceptional

Pricing

Acceptable

Pull Through

Sound

Volume435

Mix12.3%

Spread

-0.084%Below

Fees

$2,795Fees

Jumbo Loans

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Sound

Volume46

Mix1.3%

Spread

+0.341%Above

Fees

$2,930Fees

USDA Loans

Overall

Sound

Product

Strong

Pricing—

Pull Through

Sound

Volume20

Mix0.6%

Spread

+0.785%Above

Fees

$2,607Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Exceptional	Acceptable	Sound	3,332	94.3%	+0.447%Above	$3,276Fees
Refinance	Sound	Strong	Acceptable	Acceptable	203	5.7%	+0.352%Above	$3,075Fees

Purchase

Overall

Sound

Product

Exceptional

Pricing

Acceptable

Pull Through

Sound

Volume3,332

Mix94.3%

Spread

+0.447%Above

Fees

$3,276Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Acceptable

Volume203

Mix5.7%

Spread

+0.352%Above

Fees

$3,075Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

3,535

Applications

6,332

Volume

$1 billion

Pricing & Closing

Avg Rate Spread

+0.440%

vs. market APOR

Avg Net Fees

$3,262

Origination − Credits

Pullthrough Rate

55.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$371,150

Avg Borrower Income

$137,975

Avg Property Value

$462,662

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast7

CTMEMANHNJPARI

Midwest10

IAILINKSMIMNMONDOHWI

South17

ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV

West9

AKAZCACOIDMTNMORWA

Top Metro Areas by Place Specialization Score

1© Ben Jacobson (Kranar Drogin) · CC BY 2.5

Rockford, ILMetro

Volume 129Mix 3.65% of portfolio

79/100

Strong

2© w_lemay · CC BY-SA 2.0

Missoula, MTMetro

Volume 46Mix 1.30% of portfolio

77/100

Strong

3© John Phelan · CC BY-SA 3.0

Rockingham County, NHMetro

Volume 99Mix 2.80% of portfolio

75/100

Strong

4© Ken Lund · CC BY-SA 2.0

Louisville/Jefferson County, KY, KY-INMetro

Volume 122Mix 3.45% of portfolio

71/100

Strong

Worcester, MAMetro

Volume 63Mix 1.78% of portfolio

68/100

Strong

Winston, NCMetro

Volume 68Mix 1.92% of portfolio

67/100

Strong

Baltimore, MDMetro

Volume 113Mix 3.20% of portfolio

66/100

Strong

Wilmington, DEMetro

Volume 76Mix 2.15% of portfolio

65/100

Strong

Houston, TXMetro

Volume 141Mix 3.99% of portfolio

65/100

Strong

San Luis Obispo, CAMetro

Volume 39Mix 1.10% of portfolio

64/100

Strong

Showing 10 of 49 metro areas

Top States by Place Specialization Score

New HampshireState

Volume 156Mix 4.41% of portfolio

73/100

Strong

WashingtonState

Volume 246Mix 6.96% of portfolio

72/100

Strong

MarylandState

Volume 269Mix 7.61% of portfolio

72/100

Strong

KentuckyState

Volume 137Mix 3.88% of portfolio

67/100

Strong

TexasState

Volume 318Mix 9.00% of portfolio

66/100

Strong

IllinoisState

Volume 189Mix 5.35% of portfolio

66/100

Strong

MontanaState

Volume 93Mix 2.63% of portfolio

66/100

Strong

CaliforniaState

Volume 320Mix 9.05% of portfolio

65/100

Strong

MassachusettsState

Volume 154Mix 4.36% of portfolio

65/100

Strong

OregonState

Volume 104Mix 2.94% of portfolio

64/100

Strong

Showing 10 of 39 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

Are you the owner of Envoy Mortgage?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile

The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.