Envoy Mortgage in Texas vs the state
3.0%Denial rate-16.42 pts vs state
4.1%Decision denial rate-20.82 pts vs state
70.1%Origination rate+15.19 pts vs state
6.63%Median rate+0.13 pts vs state
0.18Rate spread (pts)-0.01 pts vs state
$127kMedian applicant income
419Loans originated
18Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 563 | 388 | 3.4% | 6.75% | #240 |
| 2024 | 533 | 359 | 6.6% | 6.63% | #247 |
| 2025 | 598 | 419 | 3.0% | 6.63% | #231 |
What Envoy Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Envoy Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 126 | 78 | 6 | 4.8% |
| Travis County | 52 | 33 | 1 | 1.9% |
| Taylor County | 49 | 45 | 0 | 0.0% |
| Bexar County | 45 | 36 | 0 | 0.0% |
| Dallas County | 32 | 20 | 2 | 6.3% |
| Tarrant County | 31 | 23 | 0 | 0.0% |
| Fort Bend County | 30 | 26 | 2 | 6.7% |
| Denton County | 23 | 20 | 0 | 0.0% |
| Williamson County | 22 | 13 | 1 | 4.5% |
| Collin County | 16 | 10 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 598 applications in 2025, of which 419 were originated and 18 denied.
3.0% of all applications, or 4.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Envoy Mortgage originated in Texas 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 Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology