Encompass Lending Group, Lp mortgage approval rate & lending review
Encompass Lending Group, Lp decided 1,743 mortgage applications and funded 1,654 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Encompass Lending Group, Lp reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to encompasslending.com.
Encompass Lending Group, Lp at a glance
Approval is 9.6 points above the 85.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 1,377 / 1,429 | 100% | $315K | 1,371 |
| Cash-out refinance | 91% | 93 / 102 | 98% | $265K | 91 |
| Refinance | 92% | 68 / 74 | 99% | $405K | 67 |
| Investment property purchase | 91% | 105 / 116 | 99% | $215K | 104 |
Encompass Lending Group, Lp lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 96% | $325K | 974 | 932 |
| North Carolina | 99% | $285K | 199 | 196 |
| California | 95% | $425K | 66 | 61 |
| Florida | 95% | $255K | 61 | 57 |
| Utah | 98% | $425K | 60 | 59 |
| Maryland | 88% | $365K | 52 | 46 |
| South Carolina | 93% | $285K | 42 | 38 |
| Virginia | 98% | $365K | 42 | 41 |
| Arizona | 91% | $285K | 34 | 31 |
| Georgia | 93% | $285K | 28 | 26 |
| Indiana | 100% | $295K | 25 | 25 |
| New Jersey | 88% | $255K | 24 | 21 |
| Pennsylvania | 95% | $245K | 20 | 19 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Encompass Lending Group, Lp lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Cumberland County, NC | Mortgage lenders | 99% | 77 | 76 |
The county markets where Encompass Lending Group, Lp made the most loans. Each link opens that market with every lender ranked.
Questions about Encompass Lending Group, Lp
What is Encompass Lending Group, Lp's mortgage approval rate?
Encompass Lending Group, Lp approved 95.5% of the 1,743 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.6 points above the 85.8% national rate for the same mix of loan types.
How often do borrowers take the loan Encompass Lending Group, Lp offers?
Borrowers accepted 99% of the loans Encompass Lending Group, Lp approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Encompass Lending Group, Lp make?
The typical home purchase mortgage loan Encompass Lending Group, Lp made was $315K; across all loan types its typical loan ran from $215K to $405K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Encompass Lending Group, Lp lend?
Encompass Lending Group, Lp decided applications in 39 of the states Fat Boy Data covers, most of them in Texas, North Carolina and California.
Can I apply to Encompass Lending Group, Lp directly?
Yes. Encompass Lending Group, Lp reports as a direct lender that takes applications from borrowers. Its website is encompasslending.com.
Does this page show Encompass Lending Group, Lp's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Encompass Lending Group, Lp treats applications, then get a rate quote from the lender.