Encompass Lending Group in Texas vs the state
3.9%Denial rate-15.49 pts vs state
5.1%Decision denial rate-19.82 pts vs state
73.4%Origination rate+18.56 pts vs state
6.63%Median rate+0.13 pts vs state
0.35Rate spread (pts)+0.16 pts vs state
$135kMedian applicant income
354Loans originated
19Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 422 | 266 | 3.1% | 6.99% | #277 |
| 2024 | 568 | 413 | 3.4% | 6.75% | #233 |
| 2025 | 482 | 354 | 3.9% | 6.63% | #264 |
What Encompass Lending Group lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Encompass Lending Group applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 102 | 74 | 5 | 4.9% |
| Travis County | 59 | 42 | 1 | 1.7% |
| Montgomery County | 45 | 36 | 0 | 0.0% |
| Williamson County | 40 | 32 | 1 | 2.5% |
| Collin County | 21 | 16 | 1 | 4.8% |
| Fort Bend County | 20 | 18 | 0 | 0.0% |
| Dallas County | 13 | 7 | 2 | 15.4% |
| Bexar County | 13 | 10 | 1 | 7.7% |
| Grayson County | 12 | 6 | 1 | 8.3% |
| Hays County | 12 | 9 | 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: 482 applications in 2025, of which 354 were originated and 19 denied.
3.9% of all applications, or 5.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Encompass Lending Group originated in Texas in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Encompass Lending Group'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