Encompass Lending Group, L.P. Mortgage Lending & HMDA Data, 2025
In 2025, Encompass Lending Group, L.P. of Katy, TX reported 1,048 mortgage applications totaling $359.4 million, down 2% from 2024. The average application was for $342,929, and applicants reported an average income of $148,267. 69% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (193), Austin-Round Rock, TX (121) and Dallas-Plano-Irving, TX (54) (applications in parentheses).
| Mortgage Company & Address | Encompass Lending Group, L.P. 23108 Seven Meadows Pkwy Suite 100 Katy, TX 77494 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 |
| Total Number of Mortgage Applications | 1,048 |
| Total Mortgage Loan Application Amount | $359,390,000 |
| Average Mortgage Loan Application Amount | $342,929 |
| Highest Mortgage Loan Application Amount | $2,365,000 |
| Average Applicant Income | $148,267 |
| Highest Applicant Income | $8,054,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Encompass Lending Group, L.P. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Houston-The Woodlands-Sugar Land, TX | 193 | $ 66,645,000 | $ 345,310 | $ 195,000 |
| Austin-Round Rock, TX | 121 | $ 47,475,000 | $ 392,355 | $ 169,000 |
| Outside any metro area | 115 | $ 30,785,000 | $ 267,695 | $ 119,139 |
| Dallas-Plano-Irving, TX | 54 | $ 20,200,000 | $ 374,074 | $ 154,000 |
| Phoenix-Mesa-Scottsdale, AZ | 39 | $ 10,765,000 | $ 276,025 | $ 119,000 |
| Salt Lake City, UT | 27 | $ 12,205,000 | $ 452,037 | $ 131,000 |
| Fayetteville, NC | 22 | $ 6,150,000 | $ 279,545 | $ 140,000 |
| Fort Worth-Arlington, TX | 22 | $ 7,980,000 | $ 362,727 | $ 141,000 |
| Indianapolis-Carmel-Anderson, IN | 21 | $ 6,335,000 | $ 301,666 | $ 116,000 |
| Riverside-San Bernardino-Ontario, CA | 21 | $ 9,665,000 | $ 460,238 | $ 194,000 |
| San Antonio-New Braunfels, TX | 21 | $ 8,485,000 | $ 404,047 | $ 169,000 |
| Raleigh, NC | 19 | $ 5,395,000 | $ 283,947 | $ 110,000 |
| San Diego-Carlsbad, CA | 18 | $ 10,850,000 | $ 602,777 | $ 203,000 |
| Provo-Orem, UT | 17 | $ 6,565,000 | $ 386,176 | $ 131,000 |
| Ogden-Clearfield, UT | 14 | $ 4,850,000 | $ 346,428 | $ 108,000 |
| Joplin, MO | 12 | $ 2,200,000 | $ 183,333 | $ 84,000 |
| Sherman-Denison, TX | 12 | $ 4,280,000 | $ 356,666 | $ 240,000 |
| Los Angeles-Long Beach-Glendale, CA | 10 | $ 4,480,000 | $ 448,000 | $ 99,000 |
| Baltimore-Columbia-Towson, MD | 9 | $ 2,645,000 | $ 293,888 | $ 124,000 |
| Charlotte-Concord-Gastonia, NC-SC | 9 | $ 2,805,000 | $ 311,666 | $ 84,000 |
| Arlington-Alexandria-Reston, VA-WV | 8 | $ 2,840,000 | $ 355,000 | $ 147,000 |
| Durham-Chapel Hill, NC | 8 | $ 2,590,000 | $ 323,750 | $ 160,000 |
| Las Vegas-Henderson-Paradise, NV | 8 | $ 2,730,000 | $ 341,250 | $ 107,000 |
| Wilmington, NC | 8 | $ 2,040,000 | $ 255,000 | $ 87,000 |
| Orlando-Kissimmee-Sanford, FL | 7 | $ 1,685,000 | $ 240,714 | $ 96,000 |
| Richmond, VA | 7 | $ 2,645,000 | $ 377,857 | $ 119,000 |
| Stockton-Lodi, CA | 7 | $ 2,195,000 | $ 313,571 | $ 110,000 |
| College Station-Bryan, TX | 6 | $ 2,450,000 | $ 408,333 | $ 182,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 6 | $ 870,000 | $ 145,000 | $ 84,000 |
| Rocky Mount, NC | 6 | $ 1,420,000 | $ 236,666 | $ 94,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 6 | $ 2,880,000 | $ 480,000 | $ 212,000 |
| Burlington, NC | 5 | $ 1,435,000 | $ 287,000 | $ 88,000 |
| Denver-Aurora-Lakewood, CO | 5 | $ 1,775,000 | $ 355,000 | $ 157,000 |
| Fresno, CA | 5 | $ 1,355,000 | $ 271,000 | $ 122,000 |
| Goldsboro, NC | 5 | $ 795,000 | $ 159,000 | $ 61,000 |
| Killeen-Temple, TX | 5 | $ 1,325,000 | $ 265,000 | $ 85,000 |
| Lakeland-Winter Haven, FL | 5 | $ 1,165,000 | $ 233,000 | $ 33,000 |
| Lakewood-New Brunswick, NJ | 5 | $ 1,305,000 | $ 261,000 | $ 122,000 |
| Marietta, GA | 5 | $ 1,115,000 | $ 223,000 | $ 102,000 |
| Midland, TX | 5 | $ 2,155,000 | $ 431,000 | $ 220,000 |
| Washington, DC-MD | 5 | $ 2,835,000 | $ 567,000 | $ 184,600 |
| Anaheim-Santa Ana-Irvine, CA | 4 | $ 3,420,000 | $ 855,000 | $ 475,000 |
| Atlanta-Sandy Springs-Roswell, GA | 4 | $ 780,000 | $ 195,000 | $ 98,000 |
| Colorado Springs, CO | 4 | $ 1,130,000 | $ 282,500 | $ 88,000 |
| Milwaukee-Waukesha-West Allis, WI | 4 | $ 550,000 | $ 137,500 | $ 65,000 |
| St. George, UT | 4 | $ 830,000 | $ 207,500 | $ 101,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 4 | $ 1,420,000 | $ 355,000 | $ 123,000 |
| Bakersfield, CA | 3 | $ 915,000 | $ 305,000 | $ 177,000 |
| Hartford-West Hartford-East Hartford, CT | 3 | $ 815,000 | $ 271,666 | $ 116,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 3 | $ 605,000 | $ 201,666 | $ 69,000 |
| St. Joseph, MO-KS | 3 | $ 335,000 | $ 111,666 | $ 62,000 |
| Washington-Baltimore-Arlington, DC | 3 | $ 1,235,000 | $ 411,666 | $ 151,000 |
| Yuma, AZ | 3 | $ 915,000 | $ 305,000 | $ 82,000 |
| Abilene, TX | 2 | $ 400,000 | $ 200,000 | $ 77,000 |
| Amarillo, TX | 2 | $ 600,000 | $ 300,000 | $ 105,000 |
| Boise City, ID | 2 | $ 830,000 | $ 415,000 | $ 95,000 |
| Camden, NJ | 2 | $ 610,000 | $ 305,000 | $ 146,000 |
| Chicago-Naperville, IL | 2 | $ 580,000 | $ 290,000 | $ 64,000 |
| Columbia, SC | 2 | $ 1,080,000 | $ 540,000 | $ 194,000 |
| Columbus, OH | 2 | $ 640,000 | $ 320,000 | $ 162,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 910,000 | $ 455,000 | $ 58,000 |
| Gainesville, FL | 2 | $ 510,000 | $ 255,000 | $ 157,000 |
| Greensboro-High Point, NC | 2 | $ 490,000 | $ 245,000 | $ 102,000 |
| Kansas City, MO-KS | 2 | $ 690,000 | $ 345,000 | $ 120,000 |
| Logan, UT-ID | 2 | $ 950,000 | $ 475,000 | $ 142,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 1,150,000 | $ 575,000 | $ 149,000 |
| New Haven-Milford, CT | 2 | $ 490,000 | $ 245,000 | $ 87,000 |
| Ocala, FL | 2 | $ 260,000 | $ 130,000 | $ 125,000 |
| Odessa, TX | 2 | $ 530,000 | $ 265,000 | $ 129,000 |
| Oklahoma City, OK | 2 | $ 620,000 | $ 310,000 | $ 102,000 |
| Pinehurst-Southern Pines, NC | 2 | $ 1,430,000 | $ 715,000 | $ 28,000 |
| Reno, NV | 2 | $ 710,000 | $ 355,000 | $ 119,000 |
| Roanoke, VA | 2 | $ 670,000 | $ 335,000 | $ 93,000 |
| Springfield, MO | 2 | $ 780,000 | $ 390,000 | $ 159,000 |
| St. Petersburg-Clearwater-Largo, FL | 2 | $ 590,000 | $ 295,000 | $ 113,000 |
| Tampa, FL | 2 | $ 490,000 | $ 245,000 | $ 95,000 |
| Tyler, TX | 2 | $ 800,000 | $ 400,000 | $ 205,000 |
| Vallejo-Fairfield, CA | 2 | $ 540,000 | $ 270,000 | $ 135,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 350,000 | $ 175,000 | $ 73,000 |
| Winston-Salem, NC | 2 | $ 420,000 | $ 210,000 | $ 57,000 |
| Asheville, NC | 1 | $ 135,000 | $ 135,000 | $ 44,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 215,000 | $ 215,000 | $ 174,000 |
| Beaumont-Port Arthur, TX | 1 | $ 185,000 | $ 185,000 | $ 61,000 |
| Bowling Green, KY | 1 | $ 245,000 | $ 245,000 | $ 7,000 |
| Bremerton-Silverdale, WA | 1 | $ 505,000 | $ 505,000 | $ 180,000 |
| Brunswick, GA | 1 | $ 185,000 | $ 185,000 | $ 144,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 285,000 | $ 285,000 | $ 59,000 |
| Charleston-North Charleston, SC | 1 | $ 625,000 | $ 625,000 | $ 126,000 |
| Corpus Christi, TX | 1 | $ 325,000 | $ 325,000 | $ 333,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 795,000 | $ 795,000 | $ 493,000 |
| El Paso, TX | 1 | $ 265,000 | $ 265,000 | $ 230,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 475,000 | $ 475,000 | $ 209,000 |
| Fort Smith, AR-OK | 1 | $ 325,000 | $ 325,000 | $ 67,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 355,000 | $ 355,000 | $ 131,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 185,000 | $ 185,000 | $ 78,000 |
| Hanford-Corcoran, CA | 1 | $ 205,000 | $ 205,000 | $ 57,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 305,000 | $ 305,000 | $ 117,000 |
| Hinesville, GA | 1 | $ 295,000 | $ 295,000 | $ 178,000 |
| Huntsville, AL | 1 | $ 245,000 | $ 245,000 | $ 58,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 285,000 | $ 285,000 | $ 82,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 285,000 | $ 285,000 | $ 14,000 |
| Lexington Park, MD | 1 | $ 215,000 | $ 215,000 | $ 151,000 |
| Lexington-Fayette, KY | 1 | $ 205,000 | $ 205,000 | $ 51,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 185,000 | $ 185,000 | $ 52,000 |
| Longview, TX | 1 | $ 65,000 | $ 65,000 | $ 29,000 |
| Lubbock, TX | 1 | $ 1,045,000 | $ 1,045,000 | $ 766,000 |
| Lynchburg, VA | 1 | $ 305,000 | $ 305,000 | $ 84,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 295,000 | $ 295,000 | $ 207,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 375,000 | $ 375,000 | $ 157,000 |
| Newark, NJ-PA | 1 | $ 265,000 | $ 265,000 | $ 167,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 655,000 | $ 655,000 | $ 143,000 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 555,000 | $ 555,000 | $ 154,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 505,000 | $ 505,000 | $ 108,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 185,000 | $ 185,000 | $ 50,000 |
| Panama City, FL | 1 | $ 155,000 | $ 155,000 | $ 69,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 245,000 | $ 245,000 | $ 71,000 |
| Portland-South Portland, ME | 1 | $ 1,105,000 | $ 1,105,000 | $ 521,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Prescott Valley-Prescott, AZ | 1 | $ 335,000 | $ 335,000 | $ 144,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 455,000 | $ 455,000 | $ 151,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 95,000 | $ 95,000 | $ 49,000 |
| Tacoma-Lakewood, WA | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Texarkana, TX-AR | 1 | $ 325,000 | $ 325,000 | $ 106,000 |
| Visalia-Porterville, CA | 1 | $ 415,000 | $ 415,000 | $ 150,000 |
| Waco, TX | 1 | $ 245,000 | $ 245,000 | $ 112,000 |
| Waterbury-Shelton, CT | 1 | $ 515,000 | $ 515,000 | $ 143,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 835,000 | $ 835,000 | $ 210,000 |
| Wilmington, DE-MD-NJ | 1 | $ 285,000 | $ 285,000 | $ 77,000 |
| Worcester, MA-CT | 1 | $ 405,000 | $ 405,000 | $ 72,000 |
Mortgage Loan Application Detail Totals for Encompass Lending Group, L.P. in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 867 | $293,105,000 | $338,000 | $2,365,000 | $150,000 | $8,054,000 |
| Cash-out Refinancing | 98 | $29,620,000 | $302,000 | $835,000 | $123,000 | $461,000 |
| Refinancing | 83 | $36,665,000 | $441,000 | $1,255,000 | $160,000 | $1,375,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 613 | $207,965,000 | $339,000 | $1,365,000 | $138,000 | $1,375,000 |
| Hispanic | 181 | $61,525,000 | $339,000 | $1,145,000 | $178,000 | $8,054,000 |
| Not Provided | 134 | $49,340,000 | $368,000 | $2,365,000 | $170,000 | $1,580,000 |
| Black or African American | 82 | $24,360,000 | $297,000 | $835,000 | $115,000 | $338,000 |
| Asian | 34 | $14,600,000 | $429,000 | $1,265,000 | $155,000 | $440,000 |
| American Indian or Alaskan Native | 3 | $1,145,000 | $381,000 | $475,000 | $133,000 | $209,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $455,000 | $455,000 | $455,000 | $102,000 | $102,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 659 | $221,975,000 | $336,000 | $2,365,000 | $171,000 | $8,054,000 |
| FHA-insured (Federal Housing Administration) | 250 | $81,050,000 | $324,000 | $815,000 | $102,000 | $297,000 |
| VA-guaranteed (Veterans Administration) | 126 | $53,690,000 | $426,000 | $1,365,000 | $130,000 | $570,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $2,675,000 | $205,000 | $405,000 | $69,000 | $96,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 720 | $248,450,000 | $345,000 | $1,365,000 | $153,000 | $8,054,000 |
| Application Withdrawn By Applicant | 280 | $94,550,000 | $337,000 | $1,265,000 | $136,000 | $1,375,000 |
| Application Denied By Financial Institution | 44 | $14,740,000 | $335,000 | $2,365,000 | $140,000 | $1,580,000 |
| Application Approved But Not Accepted | 4 | $1,650,000 | $412,000 | $525,000 | $111,000 | $186,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,004 | $344,650,000 | $343,000 | $1,365,000 | $148,000 | $8,054,000 |
| Debt-To-Income Ratio | 19 | $5,705,000 | $300,000 | $625,000 | $88,000 | $204,000 |
| Collateral | 12 | $2,970,000 | $247,000 | $645,000 | $137,000 | $461,000 |
| Unverifiable Information | 6 | $3,810,000 | $635,000 | $2,365,000 | $353,000 | $1,580,000 |
| Credit History | 3 | $1,005,000 | $335,000 | $515,000 | $106,000 | $165,000 |
| Employment History | 2 | $750,000 | $375,000 | $495,000 | $85,000 | $89,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $295,000 | $295,000 | $295,000 | $175,000 | $175,000 |
| Other | 1 | $205,000 | $205,000 | $205,000 | $93,000 | $93,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Encompass Lending Group, L.P.'s 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Encompass Lending Group, L.P.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Texas, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About