Envoy Mortgage in North Carolina vs the state
2.3%Denial rate-15.76 pts vs state
3.1%Decision denial rate-19.70 pts vs state
71.3%Origination rate+13.53 pts vs state
6.63%Median rate+0.13 pts vs state
0.41Rate spread (pts)+0.32 pts vs state
$92kMedian applicant income
341Loans originated
11Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 44 | 27 | 11.4% | 6.50% | #389 |
| 2024 | 294 | 211 | 7.8% | 6.63% | #178 |
| 2025 | 478 | 341 | 2.3% | 6.63% | #140 |
What Envoy Mortgage lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Envoy Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Forsyth County | 98 | 76 | 1 | 1.0% |
| Mecklenburg County | 59 | 37 | 2 | 3.4% |
| Guilford County | 51 | 35 | 4 | 7.8% |
| Davidson County | 24 | 16 | 0 | 0.0% |
| Union County | 23 | 15 | 0 | 0.0% |
| Cabarrus County | 20 | 13 | 0 | 0.0% |
| Gaston County | 20 | 10 | 1 | 5.0% |
| Davie County | 18 | 15 | 0 | 0.0% |
| Iredell County | 17 | 14 | 0 | 0.0% |
| Rowan County | 16 | 14 | 0 | 0.0% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 478 applications in 2025, of which 341 were originated and 11 denied.
2.3% of all applications, or 3.1% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Envoy Mortgage originated in North Carolina in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Envoy Mortgage's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology