ENCOMPASS LENDING GROUP, LP
ENCOMPASS LENDING GROUP, LP received 1,048 applications in 2025 and made 720 mortgages, in 282 counties across 35 states. The median rate its borrowers got was 6.625% on a median loan of $315,000. Of 768 decisions, 44 were denials — 5.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900I68BOSEM149Q58 |
|---|---|
| Applications received | 1,048 |
| Mortgages made | 720 |
| Denied | 44 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 280 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.423 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 605 | 6.625% | $315,000 | 5.4% |
| Refinancing | 54 | 6.125% | $410,000 | 5.3% |
| Cash-out refinancing | 61 | 6.875% | $245,000 | 8.8% |
Where ENCOMPASS LENDING GROUP, LP lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Harris County, TX | 74 | 6.750% | 6.3% |
| Travis County, TX | 42 | 6.490% | 2.3% |
| Montgomery County, TX | 36 | 6.875% | 0.0% |
| Williamson County, TX | 32 | 6.625% | 3.0% |
| Maricopa County, AZ | 18 | 6.688% | 10.0% |
| Fort Bend County, TX | 18 | 6.813% | 0.0% |
| Cumberland County, NC | 16 | 6.250% | 0.0% |
| Collin County, TX | 16 | 6.875% | 5.9% |
| Utah County, UT | 13 | 6.375% | 0.0% |
| Salt Lake County, UT | 11 | 6.990% | 8.3% |
| Riverside County, CA | 10 | 6.438% | 9.1% |
| San Diego County, CA | 10 | 6.313% | 8.3% |
| Bexar County, TX | 10 | 6.495% | 9.1% |
| Hays County, TX | 9 | Under 10 loans | 0.0% |
| Pinal County, AZ | 7 | Under 10 loans | 12.5% |
| Johnston County, NC | 7 | Under 10 loans | 0.0% |
| Brazoria County, TX | 7 | Under 10 loans | 0.0% |
| Dallas County, TX | 7 | Under 10 loans | 22.2% |
| Waller County, TX | 7 | Under 10 loans | 0.0% |
| Bastrop County, TX | 6 | Under 10 loans | 0.0% |
| Grayson County, TX | 6 | Under 10 loans | 14.3% |
| San Bernardino County, CA | 5 | Under 10 loans | 0.0% |
| Marion County, IN | 5 | Under 10 loans | 0.0% |
| Newton County, MO | 5 | Under 10 loans | 16.7% |
| Clark County, NV | 5 | Under 10 loans | 0.0% |
| Alamance County, NC | 5 | Under 10 loans | 0.0% |
| Durham County, NC | 5 | Under 10 loans | 0.0% |
| Wake County, NC | 5 | Under 10 loans | 0.0% |
| Hunt County, TX | 5 | Under 10 loans | 0.0% |
| Weber County, UT | 5 | Under 10 loans | 0.0% |
| Los Angeles County, CA | 4 | Under 10 loans | 0.0% |
| San Joaquin County, CA | 4 | Under 10 loans | 0.0% |
| El Paso County, CO | 4 | Under 10 loans | 0.0% |
| Harnett County, NC | 4 | Under 10 loans | 0.0% |
| Ottawa County, OK | 4 | Under 10 loans | 0.0% |
| Brazos County, TX | 4 | Under 10 loans | 0.0% |
| Denton County, TX | 4 | Under 10 loans | 0.0% |
| Kaufman County, TX | 4 | Under 10 loans | 0.0% |
| Tarrant County, TX | 4 | Under 10 loans | 33.3% |
| Spotsylvania County, VA | 4 | Under 10 loans | 0.0% |
| Fresno County, CA | 3 | Under 10 loans | 0.0% |
| Capitol Planning Region, CT | 3 | Under 10 loans | 0.0% |
| Polk County, FL | 3 | Under 10 loans | 0.0% |
| Volusia County, FL | 3 | Under 10 loans | 0.0% |
| Cobb County, GA | 3 | Under 10 loans | 25.0% |
| Brunswick County, NC | 3 | Under 10 loans | 0.0% |
| Cabarrus County, NC | 3 | Under 10 loans | 0.0% |
| Nash County, NC | 3 | Under 10 loans | 0.0% |
| Transylvania County, NC | 3 | Under 10 loans | 0.0% |
| Wayne County, NC | 3 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.