Encore Bank mortgage approval rate & lending review
Encore Bank decided 2,505 mortgage applications and funded 1,961 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Encore Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Encore Bank at a glance
Approval is 5.8 points below 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 | 77% | 1,455 / 1,893 | 98% | $295K | 1,427 |
| Cash-out refinance | 70% | 35 / 50 | 97% | $345K | 34 |
| Refinance | 89% | 182 / 205 | 98% | $425K | 179 |
| Investment property purchase | 95% | 261 / 274 | 96% | $155K | 251 |
| Investment refinance | 87% | 47 / 54 | 96% | $155K | 45 |
Encore Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Arkansas | 86% | $295K | 1,575 | 1,320 |
| Texas | 54% | $425K | 498 | 261 |
| Colorado | 81% | $565K | 149 | 119 |
| North Carolina | 83% | $415K | 48 | 40 |
| Tennessee | 96% | $555K | 48 | 45 |
| Florida | 86% | $445K | 37 | 32 |
| Missouri | 100% | $155K | 24 | 24 |
| South Carolina | 95% | $425K | 21 | 20 |
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 Encore Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Pulaski County, AR | Mortgage lenders | 78% | 616 | 470 |
| Washington County, AR | Mortgage lenders | 86% | 176 | 150 |
| Benton County, AR | Mortgage lenders | 90% | 151 | 132 |
| Saline County, AR | Mortgage lenders | 94% | 129 | 117 |
| Craighead County, AR | Mortgage lenders | 90% | 72 | 65 |
| Pulaski County, AR | Investment property purchase | 90% | 63 | 55 |
| Garland County, AR | Mortgage lenders | 98% | 46 | 42 |
| Pulaski County, AR | Refinance | 84% | 45 | 37 |
| Garland County, AR | Investment property purchase | 100% | 27 | 27 |
| Craighead County, AR | Investment property purchase | 96% | 26 | 22 |
| Washington County, AR | Refinance | 95% | 20 | 19 |
| Washington County, AR | Investment property purchase | 95% | 20 | 19 |
The county markets where Encore Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Encore Bank
What is Encore Bank's mortgage approval rate?
Encore Bank approved 80.0% of the 2,505 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.8 points below the 85.8% national rate for the same mix of loan types.
How often do borrowers take the loan Encore Bank offers?
Borrowers accepted 98% of the loans Encore Bank 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 Encore Bank make?
The typical home purchase mortgage loan Encore Bank made was $295K; across all loan types its typical loan ran from $155K to $425K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Encore Bank lend?
Encore Bank decided applications in 36 of the states Fat Boy Data covers, most of them in Arkansas, Texas and Colorado.
Can I apply to Encore Bank directly?
Yes. Encore Bank is a bank or credit union with 18 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Encore Bank'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 Encore Bank treats applications, then get a rate quote from the lender.