ENVOY MORTGAGE, LTD

5,501 mortgages originated in 2025 across 28 states, and what they cost borrowers.

Loans originated

5,501

Median rate

6.625%

Median lender fees

$6,885

Median loan amount

$325,000

Median spread over APOR

0.322

Paid discount points

49.1%

Received lender credits

31.3%

Purchases / refinances

90.6% / 9.4%

Conventional / FHA / VA

64.7% / 23.8% / 11.1%

Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 95.1% of loans here — see methodology.

Where ENVOY MORTGAGE, LTD lent

States with at least 50 loans in 2025, ranked by volume.