Lender profile · HMDA 2023–2025
Envoy Mortgage, Ltd mortgage approval rates & lending data
Envoy Mortgage, Ltd decided 11,369 mortgage applications and funded 10,571 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.