Encore Bank in Texas vs the state
30.7%Denial rate+11.25 pts vs state
46.2%Decision denial rate+21.25 pts vs state
35.8%Origination rate-19.08 pts vs state
6.12%Median rate-0.38 pts vs state
-0.20Rate spread (pts)-0.39 pts vs state
$108kMedian applicant income
63Loans originated
54Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 346 | 156 | 24.0% | 6.38% | #304 |
| 2024 | 251 | 74 | 44.2% | 6.88% | #355 |
| 2025 | 176 | 63 | 30.7% | 6.12% | #438 |
What Encore Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Encore Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bexar County | 97 | 33 | 38 | 39.2% |
| Dallas County | 24 | 3 | 5 | 20.8% |
| Tarrant County | 15 | 6 | 2 | 13.3% |
| Travis County | 11 | 4 | 4 | 36.4% |
| Nueces County | 4 | 2 | 0 | 0.0% |
| Montgomery County | 3 | 2 | 0 | 0.0% |
| Collin County | 3 | 0 | 1 | 33.3% |
| Harris County | 3 | 2 | 1 | 33.3% |
| Williamson County | 2 | 1 | 0 | 0.0% |
| Johnson County | 2 | 1 | 1 | 50.0% |
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: 176 applications in 2025, of which 63 were originated and 54 denied.
30.7% of all applications, or 46.2% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Encore Bank originated in Texas in 2025 was 6.12%, against a statewide median of 6.50%.
About this data. Figures are Encore Bank'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