Lender profile · HMDA 2023–2025
Encore Bank mortgage approval rates & lending data
Encore Bank decided 2,505 mortgage applications and funded 1,961 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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 |
| California | 100% | $935K | 13 | 12 |
| Louisiana | 100% | $355K | 13 | 13 |
| Illinois | 100% | $575K | 9 | 8 |
| Alabama | 100% | $205K | 6 | 5 |
| Kansas | 100% | $595K | 6 | 6 |
| Minnesota | 80% | $545K | 5 | 4 |
| Mississippi | 100% | $155K | 5 | 5 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.