Encompass Lending Group, L.P. Mortgage Lending & HMDA Data, 2024
In 2024, Encompass Lending Group, L.P. of Katy, TX reported 1,071 mortgage applications totaling $354.4 million, up 45% from 2023. The average application was for $330,901, and applicants reported an average income of $137,356. 67% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (173), Austin-Round Rock, TX (148) and Dallas-Plano-Irving, TX (111) (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 | 1,071 |
| Total Mortgage Loan Application Amount | $354,395,000 |
| Average Mortgage Loan Application Amount | $330,901 |
| Highest Mortgage Loan Application Amount | $1,925,000 |
| Average Applicant Income | $137,356 |
| Highest Applicant Income | $1,020,000 |
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records Encompass Lending Group, L.P. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 173 | $ 55,955,000 | $ 323,439 | $ 139,000 |
| Austin-Round Rock, TX | 148 | $ 58,060,000 | $ 392,297 | $ 170,000 |
| Dallas-Plano-Irving, TX | 111 | $ 38,695,000 | $ 348,603 | $ 146,000 |
| Outside any metro area | 81 | $ 22,175,000 | $ 273,765 | $ 114,790 |
| Fayetteville, NC | 42 | $ 11,230,000 | $ 267,380 | $ 106,000 |
| Fort Worth-Arlington, TX | 37 | $ 12,505,000 | $ 337,972 | $ 126,000 |
| San Antonio-New Braunfels, TX | 22 | $ 8,610,000 | $ 391,363 | $ 194,000 |
| Charlotte-Concord-Gastonia, NC-SC | 17 | $ 4,605,000 | $ 270,882 | $ 106,470 |
| Columbia, SC | 16 | $ 3,850,000 | $ 240,625 | $ 115,000 |
| Baltimore-Columbia-Towson, MD | 15 | $ 5,435,000 | $ 362,333 | $ 115,000 |
| Provo-Orem, UT | 15 | $ 7,215,000 | $ 481,000 | $ 121,000 |
| Atlanta-Sandy Springs-Roswell, GA | 14 | $ 3,950,000 | $ 282,142 | $ 88,000 |
| Killeen-Temple, TX | 14 | $ 3,470,000 | $ 247,857 | $ 126,000 |
| Boise City, ID | 13 | $ 4,525,000 | $ 348,076 | $ 102,000 |
| Hagerstown-Martinsburg, MD-WV | 13 | $ 3,675,000 | $ 282,692 | $ 93,923 |
| Chambersburg-Waynesboro, PA | 12 | $ 2,670,000 | $ 222,500 | $ 68,000 |
| Indianapolis-Carmel-Anderson, IN | 12 | $ 2,780,000 | $ 231,666 | $ 122,000 |
| Las Vegas-Henderson-Paradise, NV | 12 | $ 4,740,000 | $ 395,000 | $ 85,000 |
| Marietta, GA | 11 | $ 3,615,000 | $ 328,636 | $ 119,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 11 | $ 2,245,000 | $ 204,090 | $ 131,000 |
| Durham-Chapel Hill, NC | 10 | $ 3,500,000 | $ 350,000 | $ 155,000 |
| Richmond, VA | 10 | $ 2,230,000 | $ 223,000 | $ 117,000 |
| Arlington-Alexandria-Reston, VA-WV | 9 | $ 4,185,000 | $ 465,000 | $ 148,000 |
| Lakewood-New Brunswick, NJ | 9 | $ 2,545,000 | $ 282,777 | $ 117,000 |
| Midland, TX | 9 | $ 3,105,000 | $ 345,000 | $ 168,000 |
| Chicago-Naperville, IL | 8 | $ 3,160,000 | $ 395,000 | $ 176,000 |
| Salt Lake City, UT | 8 | $ 2,690,000 | $ 336,250 | $ 128,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 7 | $ 2,025,000 | $ 289,285 | $ 76,000 |
| Des Moines-West Des Moines, IA | 7 | $ 1,145,000 | $ 163,571 | $ 65,000 |
| Raleigh, NC | 7 | $ 1,795,000 | $ 256,428 | $ 159,000 |
| St. George, UT | 7 | $ 1,835,000 | $ 262,142 | $ 108,000 |
| Tampa, FL | 7 | $ 2,375,000 | $ 339,285 | $ 89,000 |
| Corpus Christi, TX | 6 | $ 2,480,000 | $ 413,333 | $ 275,000 |
| Wilmington, NC | 6 | $ 1,910,000 | $ 318,333 | $ 187,000 |
| Pensacola-Ferry Pass-Brent, FL | 5 | $ 945,000 | $ 189,000 | $ 110,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 5 | $ 1,275,000 | $ 255,000 | $ 102,000 |
| Colorado Springs, CO | 4 | $ 1,770,000 | $ 442,500 | $ 174,000 |
| Columbus, OH | 4 | $ 1,120,000 | $ 280,000 | $ 104,000 |
| Greensboro-High Point, NC | 4 | $ 1,190,000 | $ 297,500 | $ 129,000 |
| Gulfport-Biloxi-Pascagoula, MS | 4 | $ 440,000 | $ 110,000 | $ 86,000 |
| Los Angeles-Long Beach-Glendale, CA | 4 | $ 2,010,000 | $ 502,500 | $ 120,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 1,370,000 | $ 342,500 | $ 113,000 |
| Ocala, FL | 4 | $ 920,000 | $ 230,000 | $ 73,000 |
| Ogden-Clearfield, UT | 4 | $ 2,440,000 | $ 610,000 | $ 177,000 |
| Phoenix-Mesa-Scottsdale, AZ | 4 | $ 1,460,000 | $ 365,000 | $ 183,000 |
| Pinehurst-Southern Pines, NC | 4 | $ 2,600,000 | $ 650,000 | $ 182,000 |
| Riverside-San Bernardino-Ontario, CA | 4 | $ 1,780,000 | $ 445,000 | $ 113,000 |
| Warren-Troy-Farmington Hills, MI | 4 | $ 1,140,000 | $ 285,000 | $ 176,000 |
| Birmingham-Hoover, AL | 3 | $ 995,000 | $ 331,666 | $ 139,000 |
| Burlington, NC | 3 | $ 355,000 | $ 118,333 | $ 49,000 |
| El Paso, TX | 3 | $ 785,000 | $ 261,666 | $ 257,000 |
| Gettysburg, PA | 3 | $ 735,000 | $ 245,000 | $ 91,000 |
| Greenville-Anderson-Mauldin, SC | 3 | $ 735,000 | $ 245,000 | $ 135,000 |
| Lakeland-Winter Haven, FL | 3 | $ 945,000 | $ 315,000 | $ 87,000 |
| Longview, TX | 3 | $ 725,000 | $ 241,666 | $ 128,000 |
| Sherman-Denison, TX | 3 | $ 685,000 | $ 228,333 | $ 130,000 |
| St. Petersburg-Clearwater-Largo, FL | 3 | $ 665,000 | $ 221,666 | $ 83,000 |
| Sumter, SC | 3 | $ 455,000 | $ 151,666 | $ 77,000 |
| Tyler, TX | 3 | $ 1,285,000 | $ 428,333 | $ 122,000 |
| Winston-Salem, NC | 3 | $ 605,000 | $ 201,666 | $ 106,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 430,000 | $ 215,000 | $ 118,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 2,150,000 | $ 1,075,000 | $ 384,000 |
| Jacksonville, FL | 2 | $ 330,000 | $ 165,000 | $ 58,000 |
| Lake Charles, LA | 2 | $ 270,000 | $ 135,000 | $ 250,000 |
| Logan, UT-ID | 2 | $ 450,000 | $ 225,000 | $ 372,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 820,000 | $ 410,000 | $ 273,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 310,000 | $ 155,000 | $ 154,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 900,000 | $ 450,000 | $ 129,000 |
| Rocky Mount, NC | 2 | $ 500,000 | $ 250,000 | $ 89,000 |
| Savannah, GA | 2 | $ 360,000 | $ 180,000 | $ 42,000 |
| Sebring, FL | 2 | $ 230,000 | $ 115,000 | $ 52,000 |
| Stockton-Lodi, CA | 2 | $ 1,240,000 | $ 620,000 | $ 264,000 |
| Valdosta, GA | 2 | $ 340,000 | $ 170,000 | $ 95,000 |
| Washington-Baltimore-Arlington, DC | 2 | $ 1,300,000 | $ 650,000 | $ 244,000 |
| Abilene, TX | 1 | $ 435,000 | $ 435,000 | $ 154,000 |
| Albuquerque, NM | 1 | $ 355,000 | $ 355,000 | $ 98,000 |
| Amarillo, TX | 1 | $ 345,000 | $ 345,000 | $ 83,000 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 875,000 | $ 875,000 | $ 209,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 335,000 | $ 335,000 | $ 145,000 |
| Brunswick, GA | 1 | $ 125,000 | $ 125,000 | $ 72,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 465,000 | $ 465,000 | $ 119,000 |
| Casper, WY | 1 | $ 335,000 | $ 335,000 | $ 87,000 |
| Charlottesville, VA | 1 | $ 1,725,000 | $ 1,725,000 | $ 1,020,000 |
| Cincinnati, OH-KY-IN | 1 | $ 185,000 | $ 185,000 | $ 101,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 235,000 | $ 235,000 | $ 56,000 |
| Dalton, GA | 1 | $ 245,000 | $ 245,000 | $ 64,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 475,000 | $ 475,000 | $ 427,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 375,000 | $ 375,000 | $ 142,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 165,000 | $ 165,000 | $ 47,000 |
| Dover, DE | 1 | $ 285,000 | $ 285,000 | $ 87,000 |
| Everett, WA | 1 | $ 885,000 | $ 885,000 | $ 258,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 305,000 | $ 305,000 | $ 127,000 |
| Grand Junction, CO | 1 | $ 245,000 | $ 245,000 | $ 110,000 |
| Greeley, CO | 1 | $ 405,000 | $ 405,000 | $ 174,000 |
| Harrisburg-Carlisle, PA | 1 | $ 215,000 | $ 215,000 | $ 98,000 |
| Kansas City, MO-KS | 1 | $ 495,000 | $ 495,000 | $ 130,000 |
| Knoxville, TN | 1 | $ 235,000 | $ 235,000 | $ 83,000 |
| Lake County-Porter County-Jasper County, IN | 1 | $ 245,000 | $ 245,000 | $ 154,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 145,000 | $ 145,000 | $ 187,000 |
| Lubbock, TX | 1 | $ 105,000 | $ 105,000 | $ 54,000 |
| Lynchburg, VA | 1 | $ 285,000 | $ 285,000 | $ 95,000 |
| Macon-Bibb County, GA | 1 | $ 195,000 | $ 195,000 | $ 163,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 385,000 | $ 385,000 | $ 90,000 |
| New Haven-Milford, CT | 1 | $ 445,000 | $ 445,000 | $ 244,000 |
| Newark, NJ-PA | 1 | $ 335,000 | $ 335,000 | $ 106,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 195,000 | $ 195,000 | $ 56,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 225,000 | $ 225,000 | $ 73,000 |
| Panama City, FL | 1 | $ 305,000 | $ 305,000 | $ 120,000 |
| Philadelphia, PA | 1 | $ 345,000 | $ 345,000 | $ 192,000 |
| Reno, NV | 1 | $ 315,000 | $ 315,000 | $ 342,000 |
| Roanoke, VA | 1 | $ 385,000 | $ 385,000 | $ 196,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 485,000 | $ 485,000 | $ 266,000 |
| Salinas, CA | 1 | $ 545,000 | $ 545,000 | $ 124,000 |
| San Angelo, TX | 1 | $ 235,000 | $ 235,000 | $ 115,000 |
| San Diego-Carlsbad, CA | 1 | $ 955,000 | $ 955,000 | $ 518,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 775,000 | $ 775,000 | $ 250,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 1,495,000 | $ 1,495,000 | $ 229,000 |
| Spartanburg, SC | 1 | $ 265,000 | $ 265,000 | $ 58,000 |
| Tacoma-Lakewood, WA | 1 | $ 475,000 | $ 475,000 | $ 102,000 |
| Tallahassee, FL | 1 | $ 325,000 | $ 325,000 | $ 120,000 |
| Trenton, NJ | 1 | $ 255,000 | $ 255,000 | $ 120,000 |
| Victoria, TX | 1 | $ 235,000 | $ 235,000 | $ 100,000 |
| Warner Robins, GA | 1 | $ 225,000 | $ 225,000 | $ 112,000 |
| Washington, DC-MD | 1 | $ 425,000 | $ 425,000 | $ 199,000 |
Mortgage Loan Application Detail Totals for Encompass Lending Group, L.P. in 2024
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 | 959 | $316,395,000 | $329,000 | $1,725,000 | $138,000 | $1,020,000 |
| Cash-out Refinancing | 79 | $22,505,000 | $284,000 | $1,255,000 | $118,000 | $444,000 |
| Refinancing | 33 | $15,495,000 | $469,000 | $1,925,000 | $165,000 | $662,000 |
| 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 | 563 | $190,365,000 | $338,000 | $1,925,000 | $149,000 | $1,020,000 |
| Hispanic | 216 | $67,060,000 | $310,000 | $765,000 | $108,000 | $458,000 |
| Not Provided | 112 | $38,300,000 | $341,000 | $1,505,000 | $155,000 | $576,000 |
| Black or African American | 105 | $29,105,000 | $277,000 | $735,000 | $106,000 | $367,000 |
| Asian | 66 | $27,010,000 | $409,000 | $945,000 | $159,000 | $426,000 |
| American Indian or Alaskan Native | 7 | $2,035,000 | $290,000 | $395,000 | $107,000 | $145,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $520,000 | $260,000 | $275,000 | $87,000 | $87,000 |
| 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) | 631 | $209,745,000 | $332,000 | $1,925,000 | $157,000 | $1,020,000 |
| FHA-insured (Federal Housing Administration) | 278 | $88,620,000 | $318,000 | $875,000 | $106,000 | $486,000 |
| VA-guaranteed (Veterans Administration) | 150 | $53,160,000 | $354,000 | $1,255,000 | $119,000 | $326,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $2,870,000 | $239,000 | $445,000 | $87,000 | $139,000 |
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 | 713 | $234,365,000 | $328,000 | $1,275,000 | $138,000 | $945,000 |
| Application Withdrawn By Applicant | 305 | $102,565,000 | $336,000 | $1,725,000 | $136,000 | $1,020,000 |
| Application Denied By Financial Institution | 45 | $15,975,000 | $355,000 | $1,925,000 | $140,000 | $662,000 |
| Application Approved But Not Accepted | 8 | $1,490,000 | $186,000 | $375,000 | $103,000 | $246,000 |
| 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 | 1,026 | $338,420,000 | $329,000 | $1,725,000 | $137,000 | $1,020,000 |
| Debt-To-Income Ratio | 20 | $7,280,000 | $364,000 | $1,505,000 | $125,000 | $550,000 |
| Collateral | 13 | $3,675,000 | $282,000 | $695,000 | $158,000 | $340,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $930,000 | $232,000 | $365,000 | $108,000 | $159,000 |
| Credit History | 3 | $745,000 | $248,000 | $315,000 | $67,000 | $74,000 |
| Other | 2 | $870,000 | $435,000 | $655,000 | $118,000 | $162,000 |
| Employment History | 2 | $550,000 | $275,000 | $335,000 | $98,000 | $116,000 |
| Unverifiable Information | 1 | $1,925,000 | $1,925,000 | $1,925,000 | $662,000 | $662,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Encompass Lending Group, L.P.'s 2024 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.
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