Envoy Mortgage, Ltd Mortgage Lending & HMDA Data, 2025

In 2025, Envoy Mortgage, Ltd of Houston, TX reported 10,234 mortgage applications totaling $3.7 billion, up 38% from 2024. The average application was for $359,433, and applicants reported an average income of $132,467. 54% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Rockford, IL (230), Charlotte-Concord-Gastonia, NC-SC (202) and Houston-The Woodlands-Sugar Land, TX (196) (applications in parentheses).

Mortgage Company & Address Envoy Mortgage, Ltd
10496 Katy Fwy Ste 250
Houston, TX 77024
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 10,234
Total Mortgage Loan Application Amount $3,678,440,000
Average Mortgage Loan Application Amount $359,433
Highest Mortgage Loan Application Amount $3,405,000
Average Applicant Income $132,467
Highest Applicant Income $3,918,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Envoy Mortgage, Ltd filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Envoy Mortgage, Ltd by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Winnebago, Illinois 198 $ 38,870,000 $ 196,313 $ 96,000
Harris, Texas 126 $ 39,290,000 $ 311,825 $ 152,000
Maricopa, Arizona 125 $ 58,215,000 $ 465,720 $ 220,000
Strafford, New Hampshire 125 $ 45,775,000 $ 366,200 $ 155,000
Worcester, Massachusetts 98 $ 40,560,000 $ 413,877 $ 131,000
Forsyth, North Carolina 98 $ 23,410,000 $ 238,877 $ 103,000
Contra Costa, California 97 $ 55,175,000 $ 568,814 $ 166,000
San Luis Obispo, California 82 $ 46,270,000 $ 564,268 $ 210,000
Benton, Arkansas 80 $ 27,400,000 $ 342,500 $ 149,000
Polk, Iowa 80 $ 19,800,000 $ 247,500 $ 100,000
Flathead, Montana 77 $ 32,625,000 $ 423,701 $ 167,000
Ada, Idaho 72 $ 30,830,000 $ 428,194 $ 150,000
Island, Washington 67 $ 31,515,000 $ 470,373 $ 153,000
Jefferson, Kentucky 66 $ 15,710,000 $ 238,030 $ 118,000
Frederick, Maryland 66 $ 31,660,000 $ 479,696 $ 176,000
Clark, Washington 65 $ 31,375,000 $ 482,692 $ 159,000
Jackson, Missouri 64 $ 16,370,000 $ 255,781 $ 100,000
Spokane, Washington 64 $ 24,440,000 $ 381,875 $ 118,000
St. Louis, Missouri 62 $ 20,300,000 $ 327,419 $ 148,000
Mecklenburg, North Carolina 59 $ 24,855,000 $ 421,271 $ 168,000
Honolulu, Hawaii 58 $ 42,870,000 $ 739,137 $ 172,000
Oklahoma, Oklahoma 58 $ 13,030,000 $ 224,655 $ 106,000
Vanderburgh, Indiana 57 $ 10,935,000 $ 191,842 $ 84,000
King, Washington 57 $ 36,065,000 $ 632,719 $ 197,000
Cuyahoga, Ohio 54 $ 11,520,000 $ 213,333 $ 127,000
Travis, Texas 53 $ 26,955,000 $ 508,584 $ 222,000
San Bernardino, California 52 $ 18,990,000 $ 365,192 $ 137,000
Bonneville, Idaho 52 $ 16,860,000 $ 324,230 $ 105,000
Guilford, North Carolina 51 $ 14,205,000 $ 278,529 $ 114,000
Snohomish, Washington 50 $ 26,240,000 $ 524,800 $ 138,000
Los Angeles, California 49 $ 33,445,000 $ 682,551 $ 184,000
Allen, Indiana 49 $ 9,095,000 $ 185,612 $ 75,000
Baltimore City, Maryland 49 $ 14,185,000 $ 289,489 $ 134,000
Taylor, Texas 49 $ 13,905,000 $ 283,775 $ 139,000
Yavapai, Arizona 48 $ 15,700,000 $ 327,083 $ 120,000
Alameda, California 47 $ 30,135,000 $ 641,170 $ 187,000
Cecil, Maryland 46 $ 19,040,000 $ 413,913 $ 148,000
Baltimore, Maryland 45 $ 16,785,000 $ 373,000 $ 140,000
Rockingham, New Hampshire 45 $ 21,115,000 $ 469,222 $ 251,000
Bexar, Texas 45 $ 14,375,000 $ 319,444 $ 133,000
Harford, Maryland 43 $ 18,325,000 $ 426,162 $ 145,000
Fulton, Georgia 42 $ 14,170,000 $ 337,380 $ 145,000
Washington, Oregon 42 $ 18,420,000 $ 438,571 $ 159,000
Philadelphia, Pennsylvania 42 $ 9,120,000 $ 217,142 $ 89,000
Cleveland, Oklahoma 41 $ 10,865,000 $ 265,000 $ 139,000
Cobb, Georgia 40 $ 13,310,000 $ 332,750 $ 135,000
District of Columbia, District Of Columbia 39 $ 23,875,000 $ 612,179 $ 198,000
Canyon, Idaho 39 $ 13,685,000 $ 350,897 $ 97,000
Bristol, Massachusetts 39 $ 19,195,000 $ 492,179 $ 145,000
St. Charles, Missouri 39 $ 13,055,000 $ 334,743 $ 148,000
Clark, Nevada 39 $ 16,425,000 $ 421,153 $ 164,000
Tulsa, Oklahoma 39 $ 9,575,000 $ 245,512 $ 128,000
Calumet, Wisconsin 37 $ 8,305,000 $ 224,459 $ 75,000
Sacramento, California 36 $ 14,820,000 $ 411,666 $ 149,000
Lorain, Ohio 36 $ 7,160,000 $ 198,888 $ 68,000
Whatcom, Washington 36 $ 17,850,000 $ 495,833 $ 152,000
Johnson, Kansas 34 $ 12,170,000 $ 357,941 $ 134,000
Anne Arundel, Maryland 34 $ 14,980,000 $ 440,588 $ 209,000
Norfolk, Massachusetts 33 $ 16,875,000 $ 511,363 $ 146,000
Pierce, Washington 33 $ 15,445,000 $ 468,030 $ 135,000
El Paso, Colorado 32 $ 11,920,000 $ 372,500 $ 108,000
New Castle, Delaware 32 $ 9,550,000 $ 298,437 $ 128,000
Boone, Illinois 32 $ 10,140,000 $ 316,875 $ 191,000
Bernalillo, New Mexico 32 $ 9,810,000 $ 306,562 $ 110,000
Marion, Oregon 32 $ 11,450,000 $ 357,812 $ 135,000
Dallas, Texas 32 $ 12,180,000 $ 380,625 $ 149,000
Matanuska-Susitna, Alaska 31 $ 12,555,000 $ 405,000 $ 145,000
Cook, Illinois 31 $ 8,025,000 $ 258,870 $ 120,000
Tarrant, Texas 31 $ 10,295,000 $ 332,096 $ 137,000
York, South Carolina 30 $ 12,670,000 $ 422,333 $ 204,000
Fort Bend, Texas 30 $ 11,310,000 $ 377,000 $ 171,000
Arapahoe, Colorado 29 $ 11,825,000 $ 407,758 $ 117,000
Montgomery, Maryland 29 $ 17,475,000 $ 602,586 $ 222,000
Montgomery, Ohio 29 $ 6,385,000 $ 220,172 $ 92,000
Delaware, Pennsylvania 29 $ 7,985,000 $ 275,344 $ 120,000
Anchorage, Alaska 28 $ 13,170,000 $ 470,357 $ 200,000
Leon, Florida 28 $ 8,300,000 $ 296,428 $ 125,000
Cherokee, Georgia 28 $ 11,170,000 $ 398,928 $ 160,000
York, Maine 28 $ 10,170,000 $ 363,214 $ 146,000
Carroll, New Hampshire 28 $ 9,420,000 $ 336,428 $ 117,000
Fairfax, Virginia 28 $ 19,140,000 $ 683,571 $ 216,000
Yolo, California 27 $ 12,485,000 $ 462,407 $ 148,000
Adams, Colorado 27 $ 11,575,000 $ 428,703 $ 108,000
Middlesex, Massachusetts 27 $ 15,075,000 $ 558,333 $ 175,000
Multnomah, Oregon 27 $ 11,065,000 $ 409,814 $ 144,000
Ogle, Illinois 26 $ 5,900,000 $ 226,923 $ 111,000
Franklin, Pennsylvania 26 $ 10,870,000 $ 418,076 $ 131,000
Denver, Colorado 25 $ 9,775,000 $ 391,000 $ 109,000
Clay, Missouri 25 $ 7,025,000 $ 281,000 $ 116,000
Franklin, Ohio 25 $ 7,355,000 $ 294,200 $ 115,000
Benton, Washington 25 $ 8,815,000 $ 352,600 $ 98,000
Skagit, Washington 25 $ 13,195,000 $ 527,800 $ 151,000
Weld, Colorado 24 $ 10,120,000 $ 421,666 $ 107,000
Davidson, North Carolina 24 $ 5,320,000 $ 221,666 $ 76,000
Lane, Oregon 24 $ 9,060,000 $ 377,500 $ 110,000
Prince William, Virginia 24 $ 14,190,000 $ 591,250 $ 196,000
Union, North Carolina 23 $ 11,855,000 $ 515,434 $ 182,000
Denton, Texas 23 $ 11,075,000 $ 481,521 $ 184,000
Solano, California 22 $ 10,960,000 $ 498,181 $ 161,000
Williamson, Texas 22 $ 7,870,000 $ 357,727 $ 131,000
Thurston, Washington 22 $ 9,610,000 $ 436,818 $ 167,000
Sheboygan, Wisconsin 22 $ 4,560,000 $ 207,272 $ 79,000
Prince George's, Maryland 21 $ 10,415,000 $ 495,952 $ 133,000
St. Louis City, Missouri 21 $ 6,045,000 $ 287,857 $ 165,000
Providence, Rhode Island 21 $ 8,495,000 $ 404,523 $ 124,000
Manitowoc, Wisconsin 21 $ 4,925,000 $ 234,523 $ 72,000
Orange, California 20 $ 14,550,000 $ 727,500 $ 232,000
Miami-Dade, Florida 20 $ 8,290,000 $ 414,500 $ 139,000
Gwinnett, Georgia 20 $ 7,370,000 $ 368,500 $ 138,000
Cabarrus, North Carolina 20 $ 7,640,000 $ 382,000 $ 120,000
Gaston, North Carolina 20 $ 6,600,000 $ 330,000 $ 106,000
Salt Lake, Utah 20 $ 9,030,000 $ 451,500 $ 105,000
Eau Claire, Wisconsin 20 $ 4,650,000 $ 232,500 $ 106,000
San Joaquin, California 19 $ 9,135,000 $ 480,789 $ 141,000
Jefferson, Colorado 19 $ 8,665,000 $ 456,052 $ 135,000
Cheshire, New Hampshire 19 $ 5,835,000 $ 307,105 $ 124,000
Douglas, Oregon 19 $ 6,355,000 $ 334,473 $ 129,000
Greenville, South Carolina 19 $ 7,555,000 $ 397,631 $ 209,000
Yakima, Washington 19 $ 6,825,000 $ 359,210 $ 118,000
Placer, California 18 $ 9,250,000 $ 513,888 $ 162,000
Pueblo, Colorado 18 $ 4,800,000 $ 266,666 $ 68,000
Fayette, Kentucky 18 $ 6,250,000 $ 347,222 $ 168,000
Davie, North Carolina 18 $ 5,900,000 $ 327,777 $ 121,000
Clackamas, Oregon 18 $ 8,570,000 $ 476,111 $ 176,000
Shelby, Tennessee 18 $ 4,690,000 $ 260,555 $ 161,000
Cowlitz, Washington 18 $ 6,810,000 $ 378,333 $ 116,000
Chippewa, Wisconsin 18 $ 5,280,000 $ 293,333 $ 154,000
Washington, Arkansas 17 $ 4,875,000 $ 286,764 $ 143,000
DeKalb, Georgia 17 $ 4,925,000 $ 289,705 $ 132,000
St. Tammany, Louisiana 17 $ 5,355,000 $ 315,000 $ 177,000
Iredell, North Carolina 17 $ 6,945,000 $ 408,529 $ 138,000
Franklin, Washington 17 $ 6,455,000 $ 379,705 $ 100,000
Douglas, Colorado 16 $ 7,630,000 $ 476,875 $ 136,000
Essex, Massachusetts 16 $ 10,250,000 $ 640,625 $ 193,000
Kent, Michigan 16 $ 4,300,000 $ 268,750 $ 104,000
Atlantic, New Jersey 16 $ 4,770,000 $ 298,125 $ 91,000
Rowan, North Carolina 16 $ 4,230,000 $ 264,375 $ 89,000
Canadian, Oklahoma 16 $ 4,510,000 $ 281,875 $ 117,000
Collin, Texas 16 $ 7,050,000 $ 440,625 $ 196,000
Bannock, Idaho 15 $ 5,355,000 $ 357,000 $ 122,000
Merrimack, New Hampshire 15 $ 5,415,000 $ 361,000 $ 121,000
Santa Barbara, California 14 $ 6,290,000 $ 449,285 $ 132,000
Brevard, Florida 14 $ 5,250,000 $ 375,000 $ 127,000
Coweta, Georgia 14 $ 5,580,000 $ 398,571 $ 123,000
Kootenai, Idaho 14 $ 6,330,000 $ 452,142 $ 151,000
Warren, Iowa 14 $ 4,040,000 $ 288,571 $ 104,000
Washington, Maryland 14 $ 4,430,000 $ 316,428 $ 127,000
Plymouth, Massachusetts 14 $ 7,230,000 $ 516,428 $ 155,000
Otter Tail, Minnesota 14 $ 3,410,000 $ 243,571 $ 114,000
Jefferson, Missouri 14 $ 3,660,000 $ 261,428 $ 106,000
Platte, Missouri 14 $ 5,420,000 $ 387,142 $ 161,000
Belknap, New Hampshire 14 $ 5,480,000 $ 391,428 $ 145,000
Hillsborough, New Hampshire 14 $ 6,570,000 $ 469,285 $ 184,000
Wake, North Carolina 14 $ 6,630,000 $ 473,571 $ 162,000
Linn, Oregon 14 $ 5,060,000 $ 361,428 $ 94,000
Loudoun, Virginia 14 $ 10,470,000 $ 747,857 $ 237,000
Dane, Wisconsin 14 $ 5,200,000 $ 371,428 $ 166,000
Jefferson, Idaho 13 $ 3,845,000 $ 295,769 $ 242,000
St. Clair, Illinois 13 $ 3,145,000 $ 241,923 $ 133,000
Stephenson, Illinois 13 $ 1,985,000 $ 152,692 $ 91,000
York, Pennsylvania 13 $ 4,715,000 $ 362,692 $ 110,000
Frederick, Virginia 13 $ 4,845,000 $ 372,692 $ 112,000
Rock, Wisconsin 13 $ 3,115,000 $ 239,615 $ 74,000
Bingham, Idaho 12 $ 3,370,000 $ 280,833 $ 82,000
Wyandotte, Kansas 12 $ 2,800,000 $ 233,333 $ 90,000
Surry, North Carolina 12 $ 2,870,000 $ 239,166 $ 73,000
Summit, Ohio 12 $ 3,250,000 $ 270,833 $ 155,000
Polk, Oregon 12 $ 4,920,000 $ 410,000 $ 136,000
Hays, Texas 12 $ 5,170,000 $ 430,833 $ 163,000
Culpeper, Virginia 12 $ 6,640,000 $ 553,333 $ 166,000
Monterey, California 11 $ 8,035,000 $ 730,454 $ 250,000
Mesa, Colorado 11 $ 3,415,000 $ 310,454 $ 87,000
Hillsborough, Florida 11 $ 3,005,000 $ 273,181 $ 141,000
Lee, Illinois 11 $ 2,135,000 $ 194,090 $ 168,000
Madison, Kentucky 11 $ 2,785,000 $ 253,181 $ 71,000
Howard, Maryland 11 $ 5,605,000 $ 509,545 $ 200,000
St. Louis, Minnesota 11 $ 2,735,000 $ 248,636 $ 92,000
Ravalli, Montana 11 $ 4,225,000 $ 384,090 $ 162,000
Monmouth, New Jersey 11 $ 5,665,000 $ 515,000 $ 198,000
Ocean, New Jersey 11 $ 4,355,000 $ 395,909 $ 135,000
Allegheny, Pennsylvania 11 $ 2,415,000 $ 219,545 $ 94,000
Bucks, Pennsylvania 11 $ 3,945,000 $ 358,636 $ 245,000
Lubbock, Texas 11 $ 2,515,000 $ 228,636 $ 94,000
Page, Virginia 11 $ 4,335,000 $ 394,090 $ 119,000
Shenandoah, Virginia 11 $ 3,955,000 $ 359,545 $ 125,000
El Dorado, California 10 $ 4,210,000 $ 421,000 $ 451,000
Napa, California 10 $ 5,270,000 $ 527,000 $ 170,000
Capitol Planning Region, Connecticut 10 $ 3,620,000 $ 362,000 $ 122,000
Jasper, Iowa 10 $ 2,260,000 $ 226,000 $ 106,000
Lake, Montana 10 $ 4,090,000 $ 409,000 $ 153,000
Sandoval, New Mexico 10 $ 3,190,000 $ 319,000 $ 100,000
Brazoria, Texas 10 $ 3,090,000 $ 309,000 $ 149,000
Galveston, Texas 10 $ 3,570,000 $ 357,000 $ 132,000
Montgomery, Texas 10 $ 3,280,000 $ 328,000 $ 203,000
Arlington, Virginia 10 $ 7,840,000 $ 784,000 $ 453,000
Mohave, Arizona 9 $ 3,765,000 $ 418,333 $ 179,000
Riverside, California 9 $ 4,845,000 $ 538,333 $ 149,000
San Diego, California 9 $ 6,905,000 $ 767,222 $ 245,000
Floyd, Georgia 9 $ 1,985,000 $ 220,555 $ 76,000
Forsyth, Georgia 9 $ 3,725,000 $ 413,888 $ 162,000
Madison, Idaho 9 $ 2,895,000 $ 321,666 $ 103,000
Madison, Indiana 9 $ 1,485,000 $ 165,000 $ 58,000
Marion, Iowa 9 $ 2,175,000 $ 241,666 $ 111,000
Hennepin, Minnesota 9 $ 4,185,000 $ 465,000 $ 240,000
Randolph, North Carolina 9 $ 1,975,000 $ 219,444 $ 87,000
Rockingham, North Carolina 9 $ 2,145,000 $ 238,333 $ 63,000
Wagoner, Oklahoma 9 $ 1,955,000 $ 217,222 $ 99,000
Parker, Texas 9 $ 3,035,000 $ 337,222 $ 134,000
Grant, Washington 9 $ 3,645,000 $ 405,000 $ 104,000
Jefferson, Alabama 8 $ 2,110,000 $ 263,750 $ 81,000
Larimer, Colorado 8 $ 3,080,000 $ 385,000 $ 106,000
St. Lucie, Florida 8 $ 2,670,000 $ 333,750 $ 89,000
Douglas, Georgia 8 $ 2,010,000 $ 251,250 $ 72,000
Polk, Georgia 8 $ 2,580,000 $ 322,500 $ 94,000
Boone, Iowa 8 $ 1,630,000 $ 203,750 $ 83,000
Cumberland, Maine 8 $ 3,420,000 $ 427,500 $ 138,000
Lincoln, Missouri 8 $ 2,230,000 $ 278,750 $ 101,000
Stokes, North Carolina 8 $ 1,610,000 $ 201,250 $ 68,000
Yadkin, North Carolina 8 $ 1,860,000 $ 232,500 $ 59,000
Lake, Ohio 8 $ 2,160,000 $ 270,000 $ 280,000
Lincoln, Oregon 8 $ 3,240,000 $ 405,000 $ 191,000
Cumberland, Pennsylvania 8 $ 2,620,000 $ 327,500 $ 117,000
Lancaster, South Carolina 8 $ 3,450,000 $ 431,250 $ 113,000
Richland, South Carolina 8 $ 1,780,000 $ 222,500 $ 84,000
Davidson, Tennessee 8 $ 3,960,000 $ 495,000 $ 224,000
Ellis, Texas 8 $ 2,330,000 $ 291,250 $ 109,000
Hidalgo, Texas 8 $ 1,670,000 $ 208,750 $ 71,000
Johnson, Texas 8 $ 2,170,000 $ 271,250 $ 91,000
Accomack, Virginia 8 $ 2,520,000 $ 315,000 $ 135,000
Mineral, West Virginia 8 $ 3,110,000 $ 388,750 $ 165,000
Milwaukee, Wisconsin 8 $ 1,690,000 $ 211,250 $ 96,000
San Francisco, California 7 $ 4,115,000 $ 587,857 $ 215,000
San Mateo, California 7 $ 7,445,000 $ 1,063,571 $ 319,000
Naugatuck Valley Planning Region, Connecticut 7 $ 1,605,000 $ 229,285 $ 74,000
Orange, Florida 7 $ 2,685,000 $ 383,571 $ 149,000
Clayton, Georgia 7 $ 1,565,000 $ 223,571 $ 65,000
Paulding, Georgia 7 $ 2,075,000 $ 296,428 $ 96,000
Warrick, Indiana 7 $ 1,895,000 $ 270,714 $ 115,000
Androscoggin, Maine 7 $ 1,505,000 $ 215,000 $ 95,000
Carroll, Maryland 7 $ 3,185,000 $ 455,000 $ 167,000
Worcester, Maryland 7 $ 4,365,000 $ 623,571 $ 262,000
Kandiyohi, Minnesota 7 $ 2,005,000 $ 286,428 $ 116,000
Cass, Missouri 7 $ 1,675,000 $ 239,285 $ 107,000
Cape May, New Jersey 7 $ 2,605,000 $ 372,142 $ 186,000
Brunswick, North Carolina 7 $ 1,645,000 $ 235,000 $ 70,000
Pottawatomie, Oklahoma 7 $ 1,405,000 $ 200,714 $ 88,000
Yamhill, Oregon 7 $ 2,905,000 $ 415,000 $ 110,000
Hamilton, Tennessee 7 $ 2,025,000 $ 289,285 $ 150,000
Chambers, Texas 7 $ 3,345,000 $ 477,857 $ 72,000
Weber, Utah 7 $ 2,285,000 $ 326,428 $ 89,000
Spotsylvania, Virginia 7 $ 2,345,000 $ 335,000 $ 117,000
Kitsap, Washington 7 $ 4,065,000 $ 580,714 $ 149,000
Berkeley, West Virginia 7 $ 2,105,000 $ 300,714 $ 153,000
Shelby, Alabama 6 $ 2,560,000 $ 426,666 $ 141,000
Northeastern Connecticut Planning Region, Connecticut 6 $ 2,190,000 $ 365,000 $ 116,000
Kent, Delaware 6 $ 1,640,000 $ 273,333 $ 100,000
Broward, Florida 6 $ 3,630,000 $ 605,000 $ 153,000
Pinellas, Florida 6 $ 1,700,000 $ 283,333 $ 132,000
Fayette, Georgia 6 $ 2,130,000 $ 355,000 $ 132,000
Stephens, Georgia 6 $ 1,310,000 $ 218,333 $ 89,000
Maui, Hawaii 6 $ 3,950,000 $ 658,333 $ 120,000
Tippecanoe, Indiana 6 $ 1,990,000 $ 331,666 $ 163,000
Story, Iowa 6 $ 1,430,000 $ 238,333 $ 84,000
Henry, Kentucky 6 $ 1,310,000 $ 218,333 $ 111,000
Allegany, Maryland 6 $ 2,540,000 $ 423,333 $ 174,000
Dorchester, Maryland 6 $ 1,640,000 $ 273,333 $ 80,000
Suffolk, Massachusetts 6 $ 3,410,000 $ 568,333 $ 165,000
Missoula, Montana 6 $ 2,170,000 $ 361,666 $ 140,000
Cumberland, New Jersey 6 $ 1,460,000 $ 243,333 $ 84,000
Columbia, Oregon 6 $ 2,180,000 $ 363,333 $ 110,000
Adams, Pennsylvania 6 $ 3,150,000 $ 525,000 $ 180,000
Montgomery, Pennsylvania 6 $ 2,660,000 $ 443,333 $ 172,000
Spartanburg, South Carolina 6 $ 1,500,000 $ 250,000 $ 119,000
Knox, Tennessee 6 $ 1,680,000 $ 280,000 $ 110,000
Brazos, Texas 6 $ 1,890,000 $ 315,000 $ 127,000
Davis, Utah 6 $ 2,810,000 $ 468,333 $ 209,000
Utah, Utah 6 $ 2,810,000 $ 468,333 $ 168,000
Carroll, Virginia 6 $ 870,000 $ 145,000 $ 117,000
Fauquier, Virginia 6 $ 3,650,000 $ 608,333 $ 157,000
Rockingham, Virginia 6 $ 2,360,000 $ 393,333 $ 112,000
Outagamie, Wisconsin 6 $ 1,240,000 $ 206,666 $ 60,000
Pima, Arizona 5 $ 1,715,000 $ 343,000 $ 194,000
Pinal, Arizona 5 $ 1,715,000 $ 343,000 $ 121,000
Santa Clara, California 5 $ 6,175,000 $ 1,235,000 $ 625,000
Ventura, California 5 $ 3,295,000 $ 659,000 $ 253,000
Boulder, Colorado 5 $ 2,345,000 $ 469,000 $ 114,000
Duval, Florida 5 $ 1,245,000 $ 249,000 $ 60,000
Sarasota, Florida 5 $ 1,445,000 $ 289,000 $ 228,000
Walton, Florida 5 $ 1,355,000 $ 271,000 $ 263,000
Franklin, Georgia 5 $ 1,515,000 $ 303,000 $ 195,000
Hall, Georgia 5 $ 1,715,000 $ 343,000 $ 116,000
Henry, Georgia 5 $ 1,795,000 $ 359,000 $ 81,000
Rockdale, Georgia 5 $ 1,475,000 $ 295,000 $ 76,000
Leavenworth, Kansas 5 $ 1,055,000 $ 211,000 $ 83,000
Orleans, Louisiana 5 $ 1,015,000 $ 203,000 $ 94,000
Charles, Maryland 5 $ 2,565,000 $ 513,000 $ 136,000
Boone, Missouri 5 $ 1,025,000 $ 205,000 $ 116,000
Lincoln, Montana 5 $ 1,955,000 $ 391,000 $ 106,000
Silver Bow, Montana 5 $ 1,155,000 $ 231,000 $ 91,000
Burlington, New Jersey 5 $ 1,645,000 $ 329,000 $ 112,000
Middlesex, New Jersey 5 $ 1,465,000 $ 293,000 $ 88,000
Alamance, North Carolina 5 $ 995,000 $ 199,000 $ 342,000
Cleveland, North Carolina 5 $ 1,375,000 $ 275,000 $ 96,000
Johnston, North Carolina 5 $ 1,495,000 $ 299,000 $ 73,000
Lincoln, North Carolina 5 $ 2,575,000 $ 515,000 $ 362,000
Hamilton, Ohio 5 $ 765,000 $ 153,000 $ 119,000
Warren, Ohio 5 $ 2,335,000 $ 467,000 $ 202,000
Benton, Oregon 5 $ 2,095,000 $ 419,000 $ 86,000
Blair, Pennsylvania 5 $ 995,000 $ 199,000 $ 82,000
Lancaster, Pennsylvania 5 $ 1,675,000 $ 335,000 $ 158,000
Kent, Rhode Island 5 $ 2,235,000 $ 447,000 $ 194,000
Lexington, South Carolina 5 $ 1,815,000 $ 363,000 $ 107,000
Louisa, Virginia 5 $ 2,175,000 $ 435,000 $ 108,000
Warren, Virginia 5 $ 1,685,000 $ 337,000 $ 124,000
Fond du Lac, Wisconsin 5 $ 935,000 $ 187,000 $ 64,000
Navajo, Arizona 4 $ 2,030,000 $ 507,500 $ 416,000
Fresno, California 4 $ 1,430,000 $ 357,500 $ 97,000
Stanislaus, California 4 $ 1,460,000 $ 365,000 $ 163,000
Teller, Colorado 4 $ 1,680,000 $ 420,000 $ 85,000
South Central Connecticut Planning Region, Connecticut 4 $ 1,350,000 $ 337,500 $ 199,000
Southeastern Connecticut Planning Region, Connecticut 4 $ 1,790,000 $ 447,500 $ 181,000
Palm Beach, Florida 4 $ 1,760,000 $ 440,000 $ 139,000
Volusia, Florida 4 $ 670,000 $ 167,500 $ 101,000
Hart, Georgia 4 $ 1,420,000 $ 355,000 $ 130,000
Lumpkin, Georgia 4 $ 1,120,000 $ 280,000 $ 100,000
Fremont, Idaho 4 $ 1,080,000 $ 270,000 $ 183,000
DeKalb, Illinois 4 $ 810,000 $ 202,500 $ 108,000
Lake, Illinois 4 $ 1,250,000 $ 312,500 $ 129,000
Madison, Illinois 4 $ 950,000 $ 237,500 $ 95,000
Monroe, Illinois 4 $ 900,000 $ 225,000 $ 122,000
Will, Illinois 4 $ 1,580,000 $ 395,000 $ 138,000
Gibson, Indiana 4 $ 800,000 $ 200,000 $ 85,000
Posey, Indiana 4 $ 960,000 $ 240,000 $ 85,000
Dallas, Iowa 4 $ 1,360,000 $ 340,000 $ 164,000
Oldham, Kentucky 4 $ 1,520,000 $ 380,000 $ 120,000
Queen Anne's, Maryland 4 $ 1,850,000 $ 462,500 $ 173,000
Barnstable, Massachusetts 4 $ 2,360,000 $ 590,000 $ 362,000
Ramsey, Minnesota 4 $ 970,000 $ 242,500 $ 115,000
Nye, Nevada 4 $ 1,100,000 $ 275,000 $ 106,000
Gloucester, New Jersey 4 $ 1,350,000 $ 337,500 $ 129,000
Pender, North Carolina 4 $ 1,970,000 $ 492,500 $ 244,000
Stanly, North Carolina 4 $ 1,080,000 $ 270,000 $ 74,000
Portage, Ohio 4 $ 1,030,000 $ 257,500 $ 100,000
Grady, Oklahoma 4 $ 1,650,000 $ 412,500 $ 103,000
Logan, Oklahoma 4 $ 1,290,000 $ 322,500 $ 81,000
McClain, Oklahoma 4 $ 830,000 $ 207,500 $ 93,000
Rogers, Oklahoma 4 $ 850,000 $ 212,500 $ 98,000
Jackson, Oregon 4 $ 1,100,000 $ 275,000 $ 107,000
Newport, Rhode Island 4 $ 1,960,000 $ 490,000 $ 174,000
Beaufort, South Carolina 4 $ 1,880,000 $ 470,000 $ 134,000
Horry, South Carolina 4 $ 690,000 $ 172,500 $ 92,000
Rutherford, Tennessee 4 $ 1,500,000 $ 375,000 $ 144,000
Guadalupe, Texas 4 $ 1,100,000 $ 275,000 $ 133,000
Hood, Texas 4 $ 1,450,000 $ 362,500 $ 119,000
Hunt, Texas 4 $ 1,730,000 $ 432,500 $ 155,000
Kaufman, Texas 4 $ 1,070,000 $ 267,500 $ 121,000
Tooele, Utah 4 $ 1,550,000 $ 387,500 $ 105,000
Rappahannock, Virginia 4 $ 1,210,000 $ 302,500 $ 106,000
Mason, Washington 4 $ 940,000 $ 235,000 $ 97,000
Stevens, Washington 4 $ 1,580,000 $ 395,000 $ 151,000
Jefferson, West Virginia 4 $ 1,570,000 $ 392,500 $ 159,000
Jefferson, Wisconsin 4 $ 950,000 $ 237,500 $ 87,000
Coconino, Arizona 3 $ 1,025,000 $ 341,666 $ 146,000
Kern, California 3 $ 815,000 $ 271,666 $ 76,000
Merced, California 3 $ 1,295,000 $ 431,666 $ 147,000
Nevada, California 3 $ 1,395,000 $ 465,000 $ 168,000
Santa Cruz, California 3 $ 1,825,000 $ 608,333 $ 170,000
Grand, Colorado 3 $ 1,665,000 $ 555,000 $ 208,000
Gulf, Florida 3 $ 1,495,000 $ 498,333 $ 182,000
Hernando, Florida 3 $ 685,000 $ 228,333 $ 87,000
Manatee, Florida 3 $ 1,365,000 $ 455,000 $ 145,000
Nassau, Florida 3 $ 935,000 $ 311,666 $ 139,000
St. Johns, Florida 3 $ 1,335,000 $ 445,000 $ 148,000
Wakulla, Florida 3 $ 1,125,000 $ 375,000 $ 160,000
Bartow, Georgia 3 $ 1,065,000 $ 355,000 $ 89,000
Gordon, Georgia 3 $ 585,000 $ 195,000 $ 48,000
White, Georgia 3 $ 705,000 $ 235,000 $ 51,000
Whitfield, Georgia 3 $ 795,000 $ 265,000 $ 65,000
Gem, Idaho 3 $ 1,135,000 $ 378,333 $ 148,000
Power, Idaho 3 $ 1,115,000 $ 371,666 $ 102,000
Champaign, Illinois 3 $ 455,000 $ 151,666 $ 50,000
Kane, Illinois 3 $ 1,065,000 $ 355,000 $ 143,000
McHenry, Illinois 3 $ 995,000 $ 331,666 $ 112,000
Clark, Indiana 3 $ 535,000 $ 178,333 $ 79,000
DeKalb, Indiana 3 $ 465,000 $ 155,000 $ 136,000
Floyd, Indiana 3 $ 695,000 $ 231,666 $ 89,000
Spencer, Indiana 3 $ 795,000 $ 265,000 $ 129,000
Madison, Iowa 3 $ 475,000 $ 158,333 $ 63,000
Poweshiek, Iowa 3 $ 435,000 $ 145,000 $ 58,000
Douglas, Kansas 3 $ 735,000 $ 245,000 $ 201,000
Carroll, Kentucky 3 $ 545,000 $ 181,666 $ 71,000
Hardin, Kentucky 3 $ 515,000 $ 171,666 $ 61,000
Jessamine, Kentucky 3 $ 745,000 $ 248,333 $ 71,000
Scott, Kentucky 3 $ 915,000 $ 305,000 $ 135,000
St. Bernard, Louisiana 3 $ 495,000 $ 165,000 $ 25,000
Tangipahoa, Louisiana 3 $ 725,000 $ 241,666 $ 118,000
Oxford, Maine 3 $ 535,000 $ 178,333 $ 97,000
St. Joseph, Michigan 3 $ 535,000 $ 178,333 $ 57,000
Clay, Minnesota 3 $ 835,000 $ 278,333 $ 81,000
Stearns, Minnesota 3 $ 655,000 $ 218,333 $ 75,000
Washington, Minnesota 3 $ 965,000 $ 321,666 $ 127,000
Camden, Missouri 3 $ 995,000 $ 331,666 $ 254,000
Henry, Missouri 3 $ 955,000 $ 318,333 $ 91,000
St. Francois, Missouri 3 $ 965,000 $ 321,666 $ 125,000
Warren, Missouri 3 $ 835,000 $ 278,333 $ 90,000
Pondera, Montana 3 $ 865,000 $ 288,333 $ 82,000
Sanders, Montana 3 $ 1,295,000 $ 431,666 $ 181,000
Douglas, Nebraska 3 $ 3,915,000 $ 1,305,000 $ 419,000
Sullivan, New Hampshire 3 $ 665,000 $ 221,666 $ 88,000
Camden, New Jersey 3 $ 1,225,000 $ 408,333 $ 134,000
Mercer, New Jersey 3 $ 795,000 $ 265,000 $ 109,000
Somerset, New Jersey 3 $ 1,205,000 $ 401,666 $ 129,000
Caldwell, North Carolina 3 $ 1,795,000 $ 598,333 $ 521,000
Catawba, North Carolina 3 $ 985,000 $ 328,333 $ 136,000
Cass, North Dakota 3 $ 975,000 $ 325,000 $ 168,000
Medina, Ohio 3 $ 955,000 $ 318,333 $ 140,000
Miami, Ohio 3 $ 1,165,000 $ 388,333 $ 99,000
Muskogee, Oklahoma 3 $ 525,000 $ 175,000 $ 81,000
Coos, Oregon 3 $ 915,000 $ 305,000 $ 82,000
Chester, Pennsylvania 3 $ 1,445,000 $ 481,666 $ 196,000
Westmoreland, Pennsylvania 3 $ 925,000 $ 308,333 $ 130,000
Anderson, South Carolina 3 $ 695,000 $ 231,666 $ 139,000
Hamblen, Tennessee 3 $ 895,000 $ 298,333 $ 84,000
Bastrop, Texas 3 $ 845,000 $ 281,666 $ 117,000
Cameron, Texas 3 $ 405,000 $ 135,000 $ 69,000
Comal, Texas 3 $ 895,000 $ 298,333 $ 144,000
El Paso, Texas 3 $ 935,000 $ 311,666 $ 145,000
Llano, Texas 3 $ 3,175,000 $ 1,058,333 $ 370,000
Orange, Texas 3 $ 755,000 $ 251,666 $ 101,000
Tom Green, Texas 3 $ 685,000 $ 228,333 $ 96,000
Orange, Virginia 3 $ 1,485,000 $ 495,000 $ 235,000
Virginia Beach, Virginia 3 $ 925,000 $ 308,333 $ 150,000
Pacific, Washington 3 $ 555,000 $ 185,000 $ 48,000
Brown, Wisconsin 3 $ 815,000 $ 271,666 $ 70,000
Buffalo, Wisconsin 3 $ 615,000 $ 205,000 $ 72,000
Clark, Wisconsin 3 $ 765,000 $ 255,000 $ 114,000
Dodge, Wisconsin 3 $ 485,000 $ 161,666 $ 61,000
Pepin, Wisconsin 3 $ 645,000 $ 215,000 $ 84,000
Trempealeau, Wisconsin 3 $ 845,000 $ 281,666 $ 113,000
Calhoun, Alabama 2 $ 670,000 $ 335,000 $ 176,000
Madison, Alabama 2 $ 600,000 $ 300,000 $ 88,000
Crawford, Arkansas 2 $ 430,000 $ 215,000 $ 108,000
Johnson, Arkansas 2 $ 610,000 $ 305,000 $ 103,000
Pope, Arkansas 2 $ 590,000 $ 295,000 $ 192,000
Saline, Arkansas 2 $ 560,000 $ 280,000 $ 97,000
Kings, California 2 $ 730,000 $ 365,000 $ 103,000
Madera, California 2 $ 500,000 $ 250,000 $ 64,000
Mendocino, California 2 $ 540,000 $ 270,000 $ 102,000
Shasta, California 2 $ 750,000 $ 375,000 $ 65,000
Sonoma, California 2 $ 990,000 $ 495,000 $ 117,000
Eagle, Colorado 2 $ 830,000 $ 415,000 $ 108,000
Park, Colorado 2 $ 810,000 $ 405,000 $ 107,000
Sussex, Delaware 2 $ 610,000 $ 305,000 $ 110,000
Clay, Florida 2 $ 230,000 $ 115,000 $ 117,000
Hardee, Florida 2 $ 720,000 $ 360,000 $ 114,000
Pasco, Florida 2 $ 310,000 $ 155,000 $ 288,000
Barrow, Georgia 2 $ 740,000 $ 370,000 $ 95,000
Camden, Georgia 2 $ 550,000 $ 275,000 $ 44,000
Dawson, Georgia 2 $ 710,000 $ 355,000 $ 103,000
Gilmer, Georgia 2 $ 790,000 $ 395,000 $ 98,000
Madison, Georgia 2 $ 600,000 $ 300,000 $ 86,000
Muscogee, Georgia 2 $ 270,000 $ 135,000 $ 35,000
Newton, Georgia 2 $ 590,000 $ 295,000 $ 89,000
Putnam, Georgia 2 $ 700,000 $ 350,000 $ 29,000
Jersey, Illinois 2 $ 440,000 $ 220,000 $ 124,000
Whiteside, Illinois 2 $ 270,000 $ 135,000 $ 84,000
Carroll, Indiana 2 $ 570,000 $ 285,000 $ 45,000
Fountain, Indiana 2 $ 370,000 $ 185,000 $ 76,000
Howard, Indiana 2 $ 200,000 $ 100,000 $ 110,000
Knox, Indiana 2 $ 300,000 $ 150,000 $ 54,000
Marion, Indiana 2 $ 400,000 $ 200,000 $ 197,000
Noble, Indiana 2 $ 630,000 $ 315,000 $ 28,000
Wells, Indiana 2 $ 420,000 $ 210,000 $ 71,000
Whitley, Indiana 2 $ 640,000 $ 320,000 $ 166,000
Kossuth, Iowa 2 $ 430,000 $ 215,000 $ 77,000
Lucas, Iowa 2 $ 240,000 $ 120,000 $ 55,000
Miami, Kansas 2 $ 450,000 $ 225,000 $ 64,000
Sedgwick, Kansas 2 $ 430,000 $ 215,000 $ 4,000
Anderson, Kentucky 2 $ 620,000 $ 310,000 $ 105,000
Bourbon, Kentucky 2 $ 500,000 $ 250,000 $ 107,000
Bullitt, Kentucky 2 $ 340,000 $ 170,000 $ 50,000
Clark, Kentucky 2 $ 540,000 $ 270,000 $ 85,000
Franklin, Kentucky 2 $ 280,000 $ 140,000 $ 38,000
Harrison, Kentucky 2 $ 960,000 $ 480,000 $ 140,000
Henderson, Kentucky 2 $ 300,000 $ 150,000 $ 86,000
Laurel, Kentucky 2 $ 570,000 $ 285,000 $ 123,000
Montgomery, Kentucky 2 $ 840,000 $ 420,000 $ 128,000
Jefferson, Louisiana 2 $ 580,000 $ 290,000 $ 47,000
Lincoln, Maine 2 $ 480,000 $ 240,000 $ 74,000
Calvert, Maryland 2 $ 790,000 $ 395,000 $ 162,000
Kent, Maryland 2 $ 380,000 $ 190,000 $ 87,000
Talbot, Maryland 2 $ 2,560,000 $ 1,280,000 $ 647,000
Hampden, Massachusetts 2 $ 730,000 $ 365,000 $ 100,000
Barry, Michigan 2 $ 370,000 $ 185,000 $ 75,000
Ottawa, Michigan 2 $ 610,000 $ 305,000 $ 182,000
Aitkin, Minnesota 2 $ 340,000 $ 170,000 $ 55,000
Dakota, Minnesota 2 $ 680,000 $ 340,000 $ 94,000
Douglas, Minnesota 2 $ 350,000 $ 175,000 $ 185,000
Wilkin, Minnesota 2 $ 380,000 $ 190,000 $ 43,000
DeSoto, Mississippi 2 $ 540,000 $ 270,000 $ 152,000
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Mortgage Loan Application Detail Totals for Envoy Mortgage, Ltd in 2025

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 9,011 $3,207,815,000 $355,000 $2,605,000 $131,000 $3,720,000
Refinancing 659 $289,775,000 $439,000 $3,405,000 $144,000 $1,263,000
Cash-out Refinancing 554 $175,830,000 $317,000 $1,855,000 $142,000 $3,918,000
Other Purpose 10 $5,020,000 $502,000 $1,205,000 $167,000 $552,000
Home Improvement 0 $0 $0 $0 $0 $0
Not Applicable 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 5,713 $2,011,625,000 $352,000 $3,405,000 $137,000 $3,918,000
Not Provided 1,537 $574,165,000 $373,000 $1,655,000 $133,000 $3,138,000
Hispanic 1,408 $502,230,000 $356,000 $1,655,000 $116,000 $3,168,000
Black or African American 961 $305,215,000 $317,000 $1,995,000 $107,000 $2,048,000
Asian 479 $236,755,000 $494,000 $2,255,000 $187,000 $2,959,000
American Indian or Alaskan Native 102 $34,320,000 $336,000 $1,005,000 $111,000 $477,000
Native Hawaiian or Other Pacific Islander 33 $13,885,000 $420,000 $885,000 $125,000 $439,000
Not applicable 1 $245,000 $245,000 $245,000 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 6,111 $2,307,185,000 $377,000 $3,405,000 $153,000 $3,918,000
FHA-insured (Federal Housing Administration) 3,034 $915,480,000 $301,000 $1,235,000 $95,000 $3,168,000
VA-guaranteed (Veterans Administration) 1,048 $446,580,000 $426,000 $2,255,000 $125,000 $951,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 41 $9,195,000 $224,000 $385,000 $77,000 $127,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 5,501 $2,019,815,000 $367,000 $2,255,000 $140,000 $3,918,000
Application Withdrawn By Applicant 2,560 $937,540,000 $366,000 $3,405,000 $138,000 $3,138,000
Application Denied By Financial Institution 1,621 $469,105,000 $289,000 $1,995,000 $97,000 $3,720,000
Preapproval Approved but not Accepted 461 $221,705,000 $480,000 $2,435,000 $150,000 $1,393,000
Preapproval Denied by Financial Institution 45 $16,855,000 $374,000 $805,000 $110,000 $293,000
File Closed For Incompleteness 23 $7,485,000 $325,000 $805,000 $107,000 $319,000
Application Approved But Not Accepted 22 $5,690,000 $258,000 $515,000 $93,000 $237,000
Loan Purchased By The Institution 1 $245,000 $245,000 $245,000 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 8,568 $3,192,480,000 $372,000 $3,405,000 $140,000 $3,918,000
Credit History 1,137 $312,495,000 $274,000 $1,995,000 $97,000 $3,720,000
Debt-To-Income Ratio 203 $59,145,000 $291,000 $1,845,000 $67,000 $623,000
Other 132 $41,530,000 $314,000 $1,295,000 $117,000 $865,000
Credit Application Incomplete 132 $55,180,000 $418,000 $1,505,000 $131,000 $900,000
Collateral 33 $8,475,000 $256,000 $675,000 $108,000 $259,000
Employment History 21 $5,315,000 $253,000 $635,000 $80,000 $214,000
Unverifiable Information 7 $3,705,000 $529,000 $1,265,000 $126,000 $212,000
Insufficient Cash (Downpayment, Closing Cost) 1 $115,000 $115,000 $115,000 $32,000 $32,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Envoy Mortgage, Ltd's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Envoy Mortgage, Ltd's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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