Envoy Mortgage in Massachusetts vs the state
4.6%Denial rate-11.61 pts vs state
5.9%Decision denial rate-14.07 pts vs state
73.6%Origination rate+11.04 pts vs state
6.63%Median rate0.00 pts vs state
0.19Rate spread (pts)+0.10 pts vs state
$136kMedian applicant income
176Loans originated
11Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 317 | 224 | 7.9% | 6.75% | #112 |
| 2024 | 202 | 162 | 8.9% | 6.63% | #149 |
| 2025 | 239 | 176 | 4.6% | 6.63% | #137 |
What Envoy Mortgage lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Envoy Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Worcester County | 97 | 74 | 7 | 7.2% |
| Bristol County | 39 | 31 | 0 | 0.0% |
| Norfolk County | 33 | 21 | 2 | 6.1% |
| Middlesex County | 27 | 21 | 0 | 0.0% |
| Essex County | 16 | 10 | 1 | 6.3% |
| Plymouth County | 14 | 6 | 1 | 7.1% |
| Suffolk County | 6 | 6 | 0 | 0.0% |
| Barnstable County | 4 | 4 | 0 | 0.0% |
| Hampden County | 2 | 2 | 0 | 0.0% |
| Berkshire County | 1 | 1 | 0 | 0.0% |
Other large lenders in Massachusetts
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 17,476 | 29.0% | 7.40% |
| Rocket Mortgage | C | 8,698 | 15.9% | 6.75% |
| Bank of America | F | 7,784 | 30.1% | 5.99% |
| Guaranteed Rate | B | 7,313 | 4.5% | 6.50% |
| Eastern Bank | B | 6,216 | 31.8% | 6.99% |
| Rockland Trust | C | 5,990 | 28.6% | 6.99% |
| Leader Bank | A | 5,913 | 1.8% | 6.25% |
| United Shore Financial Services | B | 5,898 | 12.8% | 6.50% |
| Crosscountry Mortgage | B | 5,634 | 3.8% | 6.63% |
| TD Bank | D | 3,778 | 26.9% | 7.44% |
Frequently asked questions
Massachusetts: 239 applications in 2025, of which 176 were originated and 11 denied.
4.6% of all applications, or 5.9% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Envoy Mortgage originated in Massachusetts in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Envoy Mortgage's own HMDA filing for properties located in Massachusetts, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology