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Act (HMDA) records Envoy Mortgage, Ltd filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 3,317 | $ 1,088,845,000 | $ 328,261 | $ 114,551 |
| Rockford, IL | 230 | $ 49,010,000 | $ 213,086 | $ 109,000 |
| Charlotte-Concord-Gastonia, NC-SC | 202 | $ 81,770,000 | $ 404,801 | $ 156,346 |
| Houston-The Woodlands-Sugar Land, TX | 196 | $ 64,590,000 | $ 329,540 | $ 152,000 |
| Baltimore-Columbia-Towson, MD | 193 | $ 74,915,000 | $ 388,160 | $ 157,000 |
| St. Louis, MO-IL | 172 | $ 51,930,000 | $ 301,918 | $ 139,459 |
| Rockingham County-Strafford County, NH | 170 | $ 66,890,000 | $ 393,470 | $ 180,000 |
| Kansas City, MO-KS | 166 | $ 47,770,000 | $ 287,771 | $ 113,596 |
| Portland-Vancouver-Hillsboro, OR-WA | 165 | $ 74,515,000 | $ 451,606 | $ 154,757 |
| Winston-Salem, NC | 156 | $ 38,100,000 | $ 244,230 | $ 97,000 |
| Atlanta-Sandy Springs-Roswell, GA | 147 | $ 49,605,000 | $ 337,448 | $ 124,000 |
| Oakland-Hayward-Berkeley, CA | 144 | $ 85,310,000 | $ 592,430 | $ 173,000 |
| Phoenix-Mesa-Scottsdale, AZ | 130 | $ 59,930,000 | $ 461,000 | $ 216,000 |
| Oklahoma City, OK | 129 | $ 32,795,000 | $ 254,224 | $ 117,000 |
| Arlington-Alexandria-Reston, VA-WV | 121 | $ 70,725,000 | $ 584,504 | $ 204,446 |
| Denver-Aurora-Lakewood, CO | 118 | $ 50,280,000 | $ 426,101 | $ 118,000 |
| Boise City, ID | 114 | $ 45,650,000 | $ 400,438 | $ 132,000 |
| Des Moines-West Des Moines, IA | 111 | $ 27,935,000 | $ 251,666 | $ 103,000 |
| Cleveland, OH | 103 | $ 22,235,000 | $ 215,873 | $ 119,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 98 | $ 32,660,000 | $ 333,265 | $ 148,000 |
| Worcester, MA-CT | 98 | $ 40,560,000 | $ 413,877 | $ 131,000 |
| Washington-Baltimore-Arlington, DC | 95 | $ 49,135,000 | $ 517,210 | $ 190,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 91 | $ 40,765,000 | $ 447,967 | $ 184,000 |
| Austin-Round Rock, TX | 90 | $ 40,840,000 | $ 453,777 | $ 188,000 |
| Dallas-Plano-Irving, TX | 88 | $ 35,930,000 | $ 408,295 | $ 164,000 |
| Louisville/Jefferson County, KY-IN | 87 | $ 20,885,000 | $ 240,057 | $ 111,540 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 82 | $ 46,270,000 | $ 564,268 | $ 210,000 |
| Marietta, GA | 78 | $ 27,620,000 | $ 354,102 | $ 138,000 |
| Wilmington, DE-MD-NJ | 78 | $ 28,590,000 | $ 366,538 | $ 139,794 |
| Providence-Warwick, RI-MA | 72 | $ 33,720,000 | $ 468,333 | $ 149,125 |
| Philadelphia, PA | 71 | $ 17,105,000 | $ 240,915 | $ 102,000 |
| Greensboro-High Point, NC | 69 | $ 18,325,000 | $ 265,579 | $ 104,000 |
| Evansville, IN-KY | 68 | $ 13,790,000 | $ 202,794 | $ 87,000 |
| Spokane-Spokane Valley, WA | 68 | $ 26,020,000 | $ 382,647 | $ 120,000 |
| Idaho Falls, ID | 65 | $ 20,705,000 | $ 318,538 | $ 132,000 |
| Washington, DC-MD | 65 | $ 36,855,000 | $ 567,000 | $ 172,400 |
| Riverside-San Bernardino-Ontario, CA | 61 | $ 23,835,000 | $ 390,737 | $ 139,000 |
| Anchorage, AK | 59 | $ 25,725,000 | $ 436,016 | $ 171,000 |
| Urban Honolulu, HI | 58 | $ 42,870,000 | $ 739,137 | $ 172,000 |
| Seattle-Bellevue-Everett, WA | 57 | $ 36,065,000 | $ 632,719 | $ 197,000 |
| Tulsa, OK | 56 | $ 13,650,000 | $ 243,750 | $ 120,000 |
| Abilene, TX | 53 | $ 14,855,000 | $ 280,283 | $ 137,000 |
| Boston, MA | 53 | $ 27,515,000 | $ 519,150 | $ 151,000 |
| Fort Wayne, IN | 53 | $ 10,155,000 | $ 191,603 | $ 78,000 |
| San Antonio-New Braunfels, TX | 53 | $ 16,715,000 | $ 315,377 | $ 133,000 |
| Everett, WA | 50 | $ 26,240,000 | $ 524,800 | $ 138,000 |
| Fort Worth-Arlington, TX | 50 | $ 16,220,000 | $ 324,400 | $ 129,000 |
| Los Angeles-Long Beach-Glendale, CA | 49 | $ 33,445,000 | $ 682,551 | $ 184,000 |
| Prescott Valley-Prescott, AZ | 48 | $ 15,700,000 | $ 327,083 | $ 120,000 |
| Salem, OR | 44 | $ 16,370,000 | $ 372,045 | $ 135,000 |
| Albuquerque, NM | 43 | $ 13,415,000 | $ 311,976 | $ 109,000 |
| Appleton, WI | 43 | $ 9,545,000 | $ 221,976 | $ 73,000 |
| Cambridge-Newton-Framingham, MA | 43 | $ 25,325,000 | $ 588,953 | $ 182,000 |
| Kennewick-Richland, WA | 42 | $ 15,270,000 | $ 363,571 | $ 99,000 |
| Chicago-Naperville, IL | 39 | $ 10,755,000 | $ 275,769 | $ 119,000 |
| Las Vegas-Henderson-Paradise, NV | 39 | $ 16,425,000 | $ 421,153 | $ 164,000 |
| Eau Claire, WI | 38 | $ 9,930,000 | $ 261,315 | $ 129,000 |
| Portland-South Portland, ME | 37 | $ 13,815,000 | $ 373,378 | $ 143,000 |
| Bellingham, WA | 36 | $ 17,850,000 | $ 495,833 | $ 152,000 |
| Colorado Springs, CO | 36 | $ 13,600,000 | $ 377,777 | $ 106,000 |
| Dayton-Springfield-Kettering, OH | 34 | $ 8,260,000 | $ 242,941 | $ 94,000 |
| Columbus, OH | 33 | $ 9,665,000 | $ 292,878 | $ 118,000 |
| Tacoma-Lakewood, WA | 33 | $ 15,445,000 | $ 468,030 | $ 135,000 |
| Tallahassee, FL | 31 | $ 9,425,000 | $ 304,032 | $ 129,000 |
| Lakewood-New Brunswick, NJ | 30 | $ 12,690,000 | $ 423,000 | $ 150,000 |
| Lexington-Fayette, KY | 28 | $ 8,950,000 | $ 319,642 | $ 144,000 |
| Chambersburg-Waynesboro, PA | 26 | $ 10,870,000 | $ 418,076 | $ 131,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 26 | $ 9,510,000 | $ 365,769 | $ 160,000 |
| Greenville-Anderson-Mauldin, SC | 25 | $ 9,165,000 | $ 366,600 | $ 192,000 |
| Mount Vernon-Anacortes, WA | 25 | $ 13,195,000 | $ 527,800 | $ 151,000 |
| Eugene, OR | 24 | $ 9,060,000 | $ 377,500 | $ 110,000 |
| Greeley, CO | 24 | $ 10,120,000 | $ 421,666 | $ 107,000 |
| Salt Lake City, UT | 24 | $ 10,580,000 | $ 440,833 | $ 105,000 |
| Atlantic City-Hammonton, NJ | 23 | $ 7,375,000 | $ 320,652 | $ 120,000 |
| Hagerstown-Martinsburg, MD-WV | 22 | $ 6,780,000 | $ 308,181 | $ 131,000 |
| Memphis, TN-MS-AR | 22 | $ 5,830,000 | $ 265,000 | $ 168,363 |
| Olympia-Tumwater, WA | 22 | $ 9,610,000 | $ 436,818 | $ 167,000 |
| Sheboygan, WI | 22 | $ 4,560,000 | $ 207,272 | $ 79,000 |
| Vallejo-Fairfield, CA | 22 | $ 10,960,000 | $ 498,181 | $ 161,000 |
| Raleigh, NC | 21 | $ 8,775,000 | $ 417,857 | $ 140,000 |
| Anaheim-Santa Ana-Irvine, CA | 20 | $ 14,550,000 | $ 727,500 | $ 232,000 |
| Grand Rapids-Wyoming, MI | 20 | $ 5,280,000 | $ 264,000 | $ 108,000 |
| Miami-Miami Beach-Kendall, FL | 20 | $ 8,290,000 | $ 414,500 | $ 139,000 |
| Montgomery County-Bucks County-Chester County, PA | 20 | $ 8,050,000 | $ 402,500 | $ 216,000 |
| Pittsburgh, PA | 20 | $ 4,570,000 | $ 228,500 | $ 96,000 |
| Madison, WI | 19 | $ 6,345,000 | $ 333,947 | $ 146,000 |
| Stockton-Lodi, CA | 19 | $ 9,135,000 | $ 480,789 | $ 141,000 |
| Yakima, WA | 19 | $ 6,825,000 | $ 359,210 | $ 118,000 |
| Longview, WA | 18 | $ 6,810,000 | $ 378,333 | $ 116,000 |
| Pueblo, CO | 18 | $ 4,800,000 | $ 266,666 | $ 68,000 |
| Slidell-Mandeville-Covington, LA | 17 | $ 5,355,000 | $ 315,000 | $ 177,000 |
| Akron, OH | 16 | $ 4,280,000 | $ 267,500 | $ 141,000 |
| Tampa, FL | 16 | $ 4,000,000 | $ 250,000 | $ 149,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 15 | $ 6,785,000 | $ 452,333 | $ 193,000 |
| Pocatello, ID | 15 | $ 5,355,000 | $ 357,000 | $ 122,000 |
| Albany, OR | 14 | $ 5,060,000 | $ 361,428 | $ 94,000 |
| Ames, IA | 14 | $ 3,060,000 | $ 218,571 | $ 83,000 |
| Birmingham-Hoover, AL | 14 | $ 4,670,000 | $ 333,571 | $ 107,000 |
| Cincinnati, OH-KY-IN | 14 | $ 4,580,000 | $ 327,142 | $ 155,714 |
| Coeur D'Alene, ID | 14 | $ 6,330,000 | $ 452,142 | $ 151,000 |
| Manchester-Nashua, NH | 14 | $ 6,570,000 | $ 469,285 | $ 184,000 |
| Palm Bay-Melbourne-Titusville, FL | 14 | $ 5,250,000 | $ 375,000 | $ 127,000 |
| San Francisco-Redwood City-South San Francisco, CA | 14 | $ 11,560,000 | $ 825,714 | $ 267,000 |
| Santa Maria-Santa Barbara, CA | 14 | $ 6,290,000 | $ 449,285 | $ 132,000 |
| Winchester, VA-WV | 14 | $ 5,330,000 | $ 380,714 | $ 114,000 |
| Columbia, SC | 13 | $ 3,595,000 | $ 276,538 | $ 93,000 |
| Jacksonville, FL | 13 | $ 3,745,000 | $ 288,076 | $ 107,000 |
| Janesville-Beloit, WI | 13 | $ 3,115,000 | $ 239,615 | $ 74,000 |
| Ogden-Clearfield, UT | 13 | $ 5,095,000 | $ 391,923 | $ 145,000 |
| Wilmington, NC | 13 | $ 4,335,000 | $ 333,461 | $ 131,000 |
| York-Hanover, PA | 13 | $ 4,715,000 | $ 362,692 | $ 110,000 |
| Camden, NJ | 12 | $ 4,220,000 | $ 351,666 | $ 123,000 |
| Indianapolis-Carmel-Anderson, IN | 12 | $ 2,100,000 | $ 175,000 | $ 82,000 |
| Lubbock, TX | 12 | $ 2,890,000 | $ 240,833 | $ 99,000 |
| Milwaukee-Waukesha-West Allis, WI | 12 | $ 3,020,000 | $ 251,666 | $ 96,000 |
| Duluth, MN-WI | 11 | $ 2,735,000 | $ 248,636 | $ 92,000 |
| Grand Junction, CO | 11 | $ 3,415,000 | $ 310,454 | $ 87,000 |
| Salinas, CA | 11 | $ 8,035,000 | $ 730,454 | $ 250,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 11 | $ 5,715,000 | $ 519,545 | $ 153,181 |
| Hartford-West Hartford-East Hartford, CT | 10 | $ 3,620,000 | $ 362,000 | $ 122,000 |
| Napa, CA | 10 | $ 5,270,000 | $ 527,000 | $ 170,000 |
| New Orleans-Metairie, LA | 10 | $ 2,090,000 | $ 209,000 | $ 64,000 |
| Lafayette-West Lafayette, IN | 9 | $ 2,615,000 | $ 290,555 | $ 127,000 |
| Lake Havasu City-Kingman, AZ | 9 | $ 3,765,000 | $ 418,333 | $ 179,000 |
| Orlando-Kissimmee-Sanford, FL | 9 | $ 3,405,000 | $ 378,333 | $ 140,000 |
| Port St. Lucie, FL | 9 | $ 2,945,000 | $ 327,222 | $ 88,000 |
| Rome, GA | 9 | $ 1,985,000 | $ 220,555 | $ 76,000 |
| San Diego-Carlsbad, CA | 9 | $ 6,905,000 | $ 767,222 | $ 245,000 |
| Chattanooga, TN-GA | 8 | $ 2,310,000 | $ 288,750 | $ 140,000 |
| Fort Collins, CO | 8 | $ 3,080,000 | $ 385,000 | $ 106,000 |
| Harrisburg-Carlisle, PA | 8 | $ 2,620,000 | $ 327,500 | $ 117,000 |
| Hickory-Lenoir-Morganton, NC | 8 | $ 3,760,000 | $ 470,000 | $ 411,000 |
| McAllen-Edinburg-Mission, TX | 8 | $ 1,670,000 | $ 208,750 | $ 71,000 |
| North Port-Sarasota-Bradenton, FL | 8 | $ 2,810,000 | $ 351,250 | $ 197,000 |
| Bremerton-Silverdale, WA | 7 | $ 4,065,000 | $ 580,714 | $ 149,000 |
| Elgin, IL | 7 | $ 1,875,000 | $ 267,857 | $ 123,000 |
| Harrisonburg, VA | 7 | $ 2,595,000 | $ 370,714 | $ 104,000 |
| Knoxville, TN | 7 | $ 2,215,000 | $ 316,428 | $ 122,000 |
| Lewiston-Auburn, ME | 7 | $ 1,505,000 | $ 215,000 | $ 95,000 |
| Waterbury-Shelton, CT | 7 | $ 1,605,000 | $ 229,285 | $ 74,000 |
| College Station-Bryan, TX | 6 | $ 1,890,000 | $ 315,000 | $ 127,000 |
| Crestview-Fort Walton Beach-Destin, FL | 6 | $ 1,490,000 | $ 248,333 | $ 231,000 |
| Dover, DE | 6 | $ 1,640,000 | $ 273,333 | $ 100,000 |
| Fargo, ND-MN | 6 | $ 1,810,000 | $ 301,666 | $ 124,500 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 6 | $ 3,630,000 | $ 605,000 | $ 153,000 |
| Fresno, CA | 6 | $ 1,930,000 | $ 321,666 | $ 86,000 |
| Gettysburg, PA | 6 | $ 3,150,000 | $ 525,000 | $ 180,000 |
| Kahului-Wailuku-Lahaina, HI | 6 | $ 3,950,000 | $ 658,333 | $ 120,000 |
| Missoula, MT | 6 | $ 2,170,000 | $ 361,666 | $ 140,000 |
| Provo-Orem, UT | 6 | $ 2,810,000 | $ 468,333 | $ 168,000 |
| Spartanburg, SC | 6 | $ 1,500,000 | $ 250,000 | $ 119,000 |
| St. Petersburg-Clearwater-Largo, FL | 6 | $ 1,700,000 | $ 283,333 | $ 132,000 |
| Vineland-Bridgeton, NJ | 6 | $ 1,460,000 | $ 243,333 | $ 84,000 |
| Altoona, PA | 5 | $ 995,000 | $ 199,000 | $ 82,000 |
| Boulder, CO | 5 | $ 2,345,000 | $ 469,000 | $ 114,000 |
| Burlington, NC | 5 | $ 995,000 | $ 199,000 | $ 342,000 |
| Columbia, MO | 5 | $ 1,025,000 | $ 205,000 | $ 116,000 |
| Corvallis, OR | 5 | $ 2,095,000 | $ 419,000 | $ 86,000 |
| Fond Du Lac, WI | 5 | $ 935,000 | $ 187,000 | $ 64,000 |
| Gainesville, GA | 5 | $ 1,715,000 | $ 343,000 | $ 116,000 |
| Lancaster, PA | 5 | $ 1,675,000 | $ 335,000 | $ 158,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 5 | $ 3,295,000 | $ 659,000 | $ 253,000 |
| Richmond, VA | 5 | $ 2,835,000 | $ 567,000 | $ 231,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 5 | $ 6,175,000 | $ 1,235,000 | $ 625,000 |
| Tucson, AZ | 5 | $ 1,715,000 | $ 343,000 | $ 194,000 |
| Barnstable Town, MA | 4 | $ 2,360,000 | $ 590,000 | $ 362,000 |
| Bend-Redmond, OR | 4 | $ 2,030,000 | $ 507,500 | $ 247,000 |
| Charlottesville, VA | 4 | $ 1,240,000 | $ 310,000 | $ 92,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 4 | $ 670,000 | $ 167,500 | $ 101,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 4 | $ 1,880,000 | $ 470,000 | $ 134,000 |
| Lake County-Kenosha County, IL-WI | 4 | $ 1,250,000 | $ 312,500 | $ 129,000 |
| Medford, OR | 4 | $ 1,100,000 | $ 275,000 | $ 107,000 |
| Modesto, CA | 4 | $ 1,460,000 | $ 365,000 | $ 163,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 4 | $ 690,000 | $ 172,500 | $ 92,000 |
| New Haven-Milford, CT | 4 | $ 1,350,000 | $ 337,500 | $ 199,000 |
| Norwich-New London, CT | 4 | $ 1,790,000 | $ 447,500 | $ 181,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 4 | $ 1,760,000 | $ 440,000 | $ 139,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 3 | $ 775,000 | $ 258,333 | $ 138,000 |
| Bakersfield, CA | 3 | $ 815,000 | $ 271,666 | $ 76,000 |
| Beaumont-Port Arthur, TX | 3 | $ 755,000 | $ 251,666 | $ 101,000 |
| Bismarck, ND | 3 | $ 845,000 | $ 281,666 | $ 88,000 |
| Brownsville-Harlingen, TX | 3 | $ 405,000 | $ 135,000 | $ 69,000 |
| Champaign-Urbana, IL | 3 | $ 455,000 | $ 151,666 | $ 50,000 |
| Corpus Christi, TX | 3 | $ 775,000 | $ 258,333 | $ 108,000 |
| Dalton, GA | 3 | $ 795,000 | $ 265,000 | $ 65,000 |
| El Paso, TX | 3 | $ 935,000 | $ 311,666 | $ 145,000 |
| Elizabethtown-Fort Knox, KY | 3 | $ 515,000 | $ 171,666 | $ 61,000 |
| Fayetteville, NC | 3 | $ 495,000 | $ 165,000 | $ 53,000 |
| Flagstaff, AZ | 3 | $ 1,025,000 | $ 341,666 | $ 146,000 |
| Fort Smith, AR-OK | 3 | $ 615,000 | $ 205,000 | $ 105,000 |
| Green Bay, WI | 3 | $ 815,000 | $ 271,666 | $ 70,000 |
| Hammond, LA | 3 | $ 725,000 | $ 241,666 | $ 118,000 |
| Lawrence, KS | 3 | $ 735,000 | $ 245,000 | $ 201,000 |
| Lexington Park, MD | 3 | $ 1,235,000 | $ 411,666 | $ 108,000 |
| Little Rock-North Little Rock-Conway, AR | 3 | $ 1,005,000 | $ 335,000 | $ 103,000 |
| Merced, CA | 3 | $ 1,295,000 | $ 431,666 | $ 147,000 |
| Morristown, TN | 3 | $ 895,000 | $ 298,333 | $ 84,000 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 3,915,000 | $ 1,305,000 | $ 419,000 |
| San Angelo, TX | 3 | $ 685,000 | $ 228,333 | $ 96,000 |
| Santa Cruz-Watsonville, CA | 3 | $ 1,825,000 | $ 608,333 | $ 170,000 |
| St. Cloud, MN | 3 | $ 655,000 | $ 218,333 | $ 75,000 |
| Trenton, NJ | 3 | $ 795,000 | $ 265,000 | $ 109,000 |
| Anniston-Oxford-Jacksonville, AL | 2 | $ 670,000 | $ 335,000 | $ 176,000 |
| Athens-Clarke County, GA | 2 | $ 600,000 | $ 300,000 | $ 86,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 590,000 | $ 295,000 | $ 56,000 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 470,000 | $ 235,000 | $ 137,000 |
| Columbus, GA-AL | 2 | $ 270,000 | $ 135,000 | $ 35,000 |
| Durham-Chapel Hill, NC | 2 | $ 680,000 | $ 340,000 | $ 105,000 |
| Grants Pass, OR | 2 | $ 720,000 | $ 360,000 | $ 98,000 |
| Gulfport-Biloxi-Pascagoula, MS | 2 | $ 350,000 | $ 175,000 | $ 51,000 |
| Hanford-Corcoran, CA | 2 | $ 730,000 | $ 365,000 | $ 103,000 |
| Huntsville, AL | 2 | $ 600,000 | $ 300,000 | $ 88,000 |
| Jacksonville, NC | 2 | $ 760,000 | $ 380,000 | $ 123,000 |
| Kenosha, WI | 2 | $ 430,000 | $ 215,000 | $ 66,000 |
| Killeen-Temple, TX | 2 | $ 620,000 | $ 310,000 | $ 124,000 |
| Kokomo, IN | 2 | $ 200,000 | $ 100,000 | $ 110,000 |
| Lynchburg, VA | 2 | $ 470,000 | $ 235,000 | $ 200,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 820,000 | $ 410,000 | $ 221,000 |
| Pinehurst-Southern Pines, NC | 2 | $ 1,010,000 | $ 505,000 | $ 300,000 |
| Redding, CA | 2 | $ 750,000 | $ 375,000 | $ 65,000 |
| Reno, NV | 2 | $ 2,080,000 | $ 1,040,000 | $ 389,000 |
| Santa Fe, NM | 2 | $ 810,000 | $ 405,000 | $ 269,000 |
| Santa Rosa, CA | 2 | $ 990,000 | $ 495,000 | $ 117,000 |
| Sherman-Denison, TX | 2 | $ 430,000 | $ 215,000 | $ 97,000 |
| Springfield, MA | 2 | $ 730,000 | $ 365,000 | $ 100,000 |
| Staunton-Waynesboro, VA | 2 | $ 620,000 | $ 310,000 | $ 98,000 |
| Wenatchee, WA | 2 | $ 890,000 | $ 445,000 | $ 93,000 |
| Wichita, KS | 2 | $ 430,000 | $ 215,000 | $ 4,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 460,000 | $ 230,000 | $ 110,000 |
| Yuba City, CA | 2 | $ 580,000 | $ 290,000 | $ 83,000 |
| Amarillo, TX | 1 | $ 245,000 | $ 245,000 | $ 64,000 |
| Ann Arbor, MI | 1 | $ 155,000 | $ 155,000 | $ 109,000 |
| Bangor, ME | 1 | $ 85,000 | $ 85,000 | $ 42,000 |
| Baton Rouge, LA | 1 | $ 205,000 | $ 205,000 | $ 175,000 |
| Battle Creek, MI | 1 | $ 185,000 | $ 185,000 | $ 68,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 325,000 | $ 325,000 | $ 91,000 |
| Canton-Massillon, OH | 1 | $ 285,000 | $ 285,000 | $ 92,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 365,000 | $ 365,000 | $ 110,000 |
| Cedar Rapids, IA | 1 | $ 195,000 | $ 195,000 | $ 85,000 |
| Charleston-North Charleston, SC | 1 | $ 105,000 | $ 105,000 | $ 64,000 |
| Chico, CA | 1 | $ 145,000 | $ 145,000 | $ 193,000 |
| Clarksville, TN-KY | 1 | $ 185,000 | $ 185,000 | $ 113,000 |
| Cleveland, TN | 1 | $ 265,000 | $ 265,000 | $ 170,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 595,000 | $ 595,000 | $ 156,000 |
| Decatur, IL | 1 | $ 65,000 | $ 65,000 | $ 70,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 325,000 | $ 325,000 | $ 170,000 |
| Dothan, AL | 1 | $ 195,000 | $ 195,000 | $ 62,000 |
| Farmington, NM | 1 | $ 65,000 | $ 65,000 | $ 130,000 |
| Gadsden, AL | 1 | $ 165,000 | $ 165,000 | $ 33,000 |
| Gainesville, FL | 1 | $ 385,000 | $ 385,000 | $ 251,000 |
| Hattiesburg, MS | 1 | $ 285,000 | $ 285,000 | $ 70,000 |
| Homosassa Springs, FL | 1 | $ 175,000 | $ 175,000 | $ 48,000 |
| Jefferson City, MO | 1 | $ 205,000 | $ 205,000 | $ 52,000 |
| Lawton, OK | 1 | $ 405,000 | $ 405,000 | $ 206,000 |
| Lebanon, PA | 1 | $ 555,000 | $ 555,000 | $ 240,000 |
| Midland, TX | 1 | $ 295,000 | $ 295,000 | $ 61,000 |
| Montgomery, AL | 1 | $ 295,000 | $ 295,000 | $ 65,000 |
| Morgantown, WV | 1 | $ 485,000 | $ 485,000 | $ 129,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 945,000 | $ 945,000 | $ 584,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 75,000 | $ 75,000 | $ 226,000 |
| Newark, NJ-PA | 1 | $ 725,000 | $ 725,000 | $ 238,000 |
| Niles-Benton Harbor, MI | 1 | $ 525,000 | $ 525,000 | $ 294,000 |
| Ocala, FL | 1 | $ 155,000 | $ 155,000 | $ 46,000 |
| Oshkosh-Neenah, WI | 1 | $ 225,000 | $ 225,000 | $ 78,000 |
| Panama City, FL | 1 | $ 225,000 | $ 225,000 | $ 58,000 |
| Peoria, IL | 1 | $ 265,000 | $ 265,000 | $ 142,000 |
| Pittsfield, MA | 1 | $ 325,000 | $ 325,000 | $ 235,000 |
| Racine, WI | 1 | $ 85,000 | $ 85,000 | $ 34,000 |
| Reading, PA | 1 | $ 205,000 | $ 205,000 | $ 116,000 |
| Rochester, MN | 1 | $ 175,000 | $ 175,000 | $ 129,000 |
| Sandusky, OH | 1 | $ 245,000 | $ 245,000 | $ 152,000 |
| Sebastian-Vero Beach, FL | 1 | $ 315,000 | $ 315,000 | $ 115,000 |
| Sioux Falls, SD | 1 | $ 215,000 | $ 215,000 | $ 60,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 405,000 | $ 405,000 | $ 101,000 |
| Springfield, MO | 1 | $ 215,000 | $ 215,000 | $ 94,000 |
| Springfield, OH | 1 | $ 185,000 | $ 185,000 | $ 74,000 |
| St. Joseph, MO-KS | 1 | $ 415,000 | $ 415,000 | $ 74,000 |
| Topeka, KS | 1 | $ 165,000 | $ 165,000 | $ 99,000 |
| Tuscaloosa, AL | 1 | $ 245,000 | $ 245,000 | $ 99,000 |
| Tyler, TX | 1 | $ 235,000 | $ 235,000 | $ 106,000 |
| Valdosta, GA | 1 | $ 255,000 | $ 255,000 | $ 120,000 |
| Visalia-Porterville, CA | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Waco, TX | 1 | $ 195,000 | $ 195,000 | $ 262,000 |
| Walla Walla, WA | 1 | $ 265,000 | $ 265,000 | $ 52,000 |
| Warner Robins, GA | 1 | $ 325,000 | $ 325,000 | $ 68,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 365,000 | $ 365,000 | $ 122,000 |
| Wildwood-The Villages, FL | 1 | $ 395,000 | $ 395,000 | $ 145,000 |
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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with aggregated HMDA statistics today.
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