Grade B · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$6,885
median across reports
vs. National Average
7%
above national avg
Avg Origination Charge
$3,653
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| discount_points | $3,788 | $3,585 | 🟡 Average |
| Origination Fee | $3,653 | $3,743 | 🟡 Average |
| lender_credits | $822 | $1,150 | 🟢 Below Avg |
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Based on 5,233 homebuyer-submitted Closing Disclosures, Envoy Mortgage, LTD's median total closing costs are $6,885. This is about 7% above the $6,435 national peer median for comparable lenders. Actual costs vary by loan type, loan amount, property state, and individual borrower profile. This data is informational only and not financial advice.
Are Closing Costs Negotiable?
Which fees you can push back on and how to do it.
What Are Junk Fees on a Mortgage?
Spot the charges that pad lender profits.
How to Read Your Closing Disclosure
Page-by-page walkthrough of the 5-page form.
Average Closing Costs by State
Benchmark your costs against the state average.
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Compare Envoy Mortgage, LTD with another lender
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Aggregates from Envoy Mortgage, LTD's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
4,707
Ranked #104 nationally
Median Total Costs
$7,023
+5.1% vs national ($6,680)
Median Rate
6.625%
+2.1% vs national (6.490%)
Median Origination
$2,434
Median Lender Credits
$215
Cost Rank (500+ vol.)
#371
among lenders with 500+ originations
Denial Rate
2.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 2,877 | 6.625% | $5,672 | $2,220 |
| fha | 1,244 | 6.625% | $12,210 | $3,701 |
| va | 565 | 6.375% | $6,824 | $1,460 |
| usda | 21 | 6.250% | $8,561 | $3,220 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 379 | 6.625% | $8,513 | #138 |
| Washington | 351 | 6.625% | $10,176 | #44 |
| California | 333 | 6.500% | $7,908 | #110 |
| North Carolina | 305 | 6.625% | $7,892 | #78 |
| Illinois | 269 | 6.875% | $4,891 | #75 |
| Maryland | 226 | 6.500% | $7,960 | #57 |
| Missouri | 184 |
| This lender | Texas median | National median | |
|---|---|---|---|
| Total Closing Costs | $8,513 | $8,397 | $6,680 |
| Interest Rate | 6.625% | 6.250% | 6.490% |
| Originations in state | 379 | — | — |
Based on 2025 HMDA data. State and national medians cover all reporting lenders.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Envoy Mortgage, LTD | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $335,000 | $335,000 | +$0 (+0.0%) |
| Median total closing costs | $7,023 | $7,127 | −$104 (−1.5%) |
Popular Refinance Pages
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This content is for informational purposes only and does not constitute legal, financial, or tax advice. Consult a licensed professional for advice specific to your situation.
| 6.750% |
| $4,450 |
| #62 |
| Georgia | 176 | 6.500% | $9,135 | #109 |
| Colorado | 155 | 6.625% | $13,115 | #87 |
| Idaho | 152 | 6.375% | $10,078 | #34 |
| Wisconsin | 139 | 6.625% | $5,106 | #77 |
| Oregon | 135 | 6.500% | $7,536 | #58 |
| New Hampshire | 134 | 6.625% | $6,322 | #22 |
| Oklahoma | 131 | 6.625% | $5,997 | #60 |
| Indiana | 128 | 6.750% | $5,969 | #116 |
| Pennsylvania | 128 | 6.625% | $7,613 | #139 |
| Massachusetts | 123 | 6.625% | $5,484 | #79 |
| Iowa | 103 | 6.875% | $3,863 | #58 |
| Virginia | 100 | 6.625% | $7,006 | #125 |
| Ohio | 94 | 6.625% | $6,582 | #141 |
| Arizona | 90 | 6.625% | $7,442 | #109 |
| Florida | 87 | 6.625% | $9,788 | #250 |
| Arkansas | 75 | 6.500% | $4,792 | #76 |
| Kentucky | 69 | 6.500% | $7,268 | #100 |
| Montana | 67 | 6.625% | $6,272 | #29 |
| South Carolina | 61 | 6.500% | $6,818 | #150 |
| Minnesota | 52 | 6.625% | $5,116 | #124 |
| Alaska | 45 | 6.375% | $7,373 | — |
| New Jersey | 40 | 6.625% | $5,687 | — |
| Kansas | 37 | 6.875% | $3,530 | — |
| Hawaii | 33 | 6.500% | $7,339 | — |
| New Mexico | 31 | 6.500% | $10,440 | — |
| Maine | 29 | 6.625% | $6,249 | — |
| Tennessee | 29 | 6.625% | $10,876 | — |
| Nevada | 28 | 6.500% | $7,768 | — |
| Utah | 28 | 6.312% | $7,193 | — |
| Delaware | 23 | 6.750% | $7,614 | — |
| Connecticut | 21 | 6.625% | $5,521 | — |
| Rhode Island | 20 | 6.625% | $5,100 | — |
| Alabama | 18 | 6.438% | $7,710 | — |
| Michigan | 18 | 6.625% | $5,422 | — |
| West Virginia | 16 | 6.875% | $6,284 | — |
| Louisiana | 15 | 6.875% | $5,959 | — |
| District of Columbia | 14 | 6.625% | $7,120 | — |
| North Dakota | 9 | 6.125% | $5,374 | — |
| Mississippi | 4 | 6.562% | $6,451 | — |
| Nebraska | 2 | 6.688% | $6,590 | — |
| South Dakota | 1 | 7.625% | $8,959 | — |