Envoy Mortgage in Alabama vs the state
4.4%Denial rate-15.50 pts vs state
5.0%Decision denial rate-20.00 pts vs state
82.6%Origination rate+27.22 pts vs state
6.50%Median rate0.00 pts vs state
0.39Rate spread (pts)+0.11 pts vs state
$106kMedian applicant income
19Loans originated
1Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 284 | 217 | 3.9% | 6.63% | #106 |
| 2024 | 148 | 105 | 3.4% | 6.63% | #176 |
| 2025 | 23 | 19 | 4.4% | 6.50% | #385 |
What Envoy Mortgage lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Envoy Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 8 | 6 | 1 | 12.5% |
| Shelby County | 6 | 5 | 0 | 0.0% |
| Madison County | 2 | 1 | 0 | 0.0% |
| Calhoun County | 2 | 2 | 0 | 0.0% |
| Etowah County | 1 | 1 | 0 | 0.0% |
| Montgomery County | 1 | 1 | 0 | 0.0% |
| Tuscaloosa County | 1 | 1 | 0 | 0.0% |
| Baldwin County | 1 | 1 | 0 | 0.0% |
| Houston County | 1 | 1 | 0 | 0.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 23 applications in 2025, of which 19 were originated and 1 denied.
4.4% of all applications, or 5.0% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Envoy Mortgage originated in Alabama in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Envoy Mortgage's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology