Lender in Maryland · HMDA 2025
Envoy Mortgage, LTD mortgages in Maryland
Envoy Mortgage, LTD's 2025 home-purchase and refinance lending in Maryland, compared with all lenders in the state.
Envoy Mortgage, LTD originated 254 owner-occupied single-family loans in Maryland from 281 completed applications.
Its median conventional purchase loan costs were $6,250 versus $6,150 for all Maryland lenders, at a median 30-year fixed rate of 6.625% (Maryland: 6.625%).
Loans in MD
254
of 281 applications
Denial rate
4.7%
Purchase · MD 8.6%
Rate spread
+0.15 pts
Conv. · MD +0.14 pts
Loan amount
$385,000
Purchase · MD $405,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 236 | 225 | 4.7% | 6.625% | +0.15 pts | $6,250 | $385,000 |
| Refinance | 37 | 25 | 32.4% | — | — | — | $435,000 |
| Cash-out refinance | 8 | 4 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Maryland counties where Envoy Mortgage, LTD ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Cecil County | 8 | 32 | 2.3% |
| Frederick County | 25 | 48 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology