Lenders › Envoy Mortgage, Ltd › Pennsylvania
Envoy Mortgage, Ltd in Pennsylvania
HMDA record for properties in Pennsylvania, calendar year 2024. National record · Pennsylvania overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Pennsylvania, Envoy Mortgage, Ltd reported 111 applications and 79 originations for 2024, $26m in all.
Its denial rate in the state was 10.2%, below the Pennsylvania rate of 24.2% across all lenders and compared with the lender's national rate of 23.8%.
The median rate spread on its Pennsylvania originations was 0.3 percentage points (state median 0.3).
Applications in the state were down 53% on 2023.
Compared with the state and the lender's national record
| Measure | In Pennsylvania | Pennsylvania, all lenders | Envoy Mortgage, Ltd, all states | United States |
|---|---|---|---|---|
| Denial rate | 10.2% | 24.2% | 23.8% | 24.3% |
| Median rate spread, pp | 0.3 | 0.3 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 0.0% | 14.1% | 4.6% | 15.6% |
| Average originated loan | $329k | $226k | $363k | $329k |
| Home purchase share | 88.6% | 48.7% | 93.1% | 57.0% |
| FHA-insured share | 22.8% | 9.8% | 23.6% | 13.4% |
| VA-guaranteed share | 15.2% | 4.0% | 12.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in statePennsylvania, all lenders
Loan purpose and loan type in Pennsylvania
By purpose
Home purchase 89% (70)Refinancing 1% (1)Cash-out refinancing 10% (8)
By type
Conventional 62% (49)FHA 23% (18)VA 15% (12)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Pennsylvania
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| York County | 27 | 20 | $7.2m | — |
| Philadelphia County | 30 | 17 | $5.0m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Envoy Mortgage, Ltd originate in Pennsylvania in 2024?
79 loans totalling $26m, from 111 applications reported for properties in Pennsylvania.
What is Envoy Mortgage, Ltd's denial rate in Pennsylvania?
10.2% of decided applications in Pennsylvania were denied, against 24.2% for all lenders in the state and 23.8% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Pennsylvania counties does Envoy Mortgage, Ltd lend in most?
By originations: York County (20), Philadelphia County (17).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Pennsylvania. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.