ENCORE BANK
ENCORE BANK received 862 applications in 2025 and made 529 mortgages, in 130 counties across 31 states. The median rate its borrowers got was 6.500% on a median loan of $305,000. Of 668 decisions, 131 were denials — 19.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493000JFVFQFL816N45 |
|---|---|
| Applications received | 862 |
| Mortgages made | 529 |
| Denied | 131 |
| Approved, not taken up | 8 |
| Withdrawn or incomplete | 194 |
| Loans bought from other lenders | 1 |
| Median rate spread over the prime offer rate | 0.064 points |
| FDIC-insured bank | Yes: ENCORE BANK, 17 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 417 | 6.500% | $305,000 | 21.7% |
| Refinancing | 82 | 6.490% | $310,000 | 5.7% |
| Cash-out refinancing | 17 | 6.750% | $275,000 | 26.1% |
| Other purposes | 13 | 7.250% | $325,000 | 17.7% |
Where ENCORE BANK 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 |
|---|---|---|---|
| Pulaski County, AR | 147 | 6.625% | 23.9% |
| Washington County, AR | 57 | 6.624% | 13.6% |
| Benton County, AR | 55 | 6.250% | 9.8% |
| Saline County, AR | 41 | 6.500% | 4.4% |
| Bexar County, TX | 33 | 5.624% | 53.5% |
| Garland County, AR | 20 | 6.433% | 4.4% |
| Craighead County, AR | 15 | 6.500% | 6.3% |
| Greene County, MO | 7 | Under 10 loans | 0.0% |
| Lonoke County, AR | 6 | Under 10 loans | 14.3% |
| Poinsett County, AR | 6 | Under 10 loans | 0.0% |
| Denver County, CO | 6 | Under 10 loans | 25.0% |
| Tarrant County, TX | 6 | Under 10 loans | 25.0% |
| Faulkner County, AR | 5 | Under 10 loans | 0.0% |
| Travis County, TX | 4 | Under 10 loans | 50.0% |
| Ouachita County, AR | 3 | Under 10 loans | 0.0% |
| Christian County, MO | 3 | Under 10 loans | 0.0% |
| Dallas County, TX | 3 | Under 10 loans | 62.5% |
| Boone County, AR | 2 | Under 10 loans | 0.0% |
| Hot Spring County, AR | 2 | Under 10 loans | 0.0% |
| Madison County, AR | 2 | Under 10 loans | 33.3% |
| Kern County, CA | 2 | Under 10 loans | 0.0% |
| El Paso County, CO | 2 | Under 10 loans | 0.0% |
| Johnson County, KS | 2 | Under 10 loans | 0.0% |
| Lafayette Parish, LA | 2 | Under 10 loans | 0.0% |
| Montgomery County, MD | 2 | Under 10 loans | 0.0% |
| Yellowstone County, MT | 2 | Under 10 loans | 0.0% |
| Davidson County, NC | 2 | Under 10 loans | 0.0% |
| Mecklenburg County, NC | 2 | Under 10 loans | 33.3% |
| Greenville County, SC | 2 | Under 10 loans | 33.3% |
| Harris County, TX | 2 | Under 10 loans | 33.3% |
| Montgomery County, TX | 2 | Under 10 loans | 0.0% |
| Nueces County, TX | 2 | Under 10 loans | 0.0% |
| Utah County, UT | 2 | Under 10 loans | 0.0% |
| Morgan County, AL | 1 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Pinal County, AZ | 1 | Under 10 loans | 0.0% |
| Baxter County, AR | 1 | Under 10 loans | 0.0% |
| Clark County, AR | 1 | Under 10 loans | 0.0% |
| Cleburne County, AR | 1 | Under 10 loans | 0.0% |
| Conway County, AR | 1 | Under 10 loans | 0.0% |
| Crawford County, AR | 1 | Under 10 loans | 0.0% |
| Franklin County, AR | 1 | Under 10 loans | 0.0% |
| Grant County, AR | 1 | Under 10 loans | 0.0% |
| Independence County, AR | 1 | Under 10 loans | 0.0% |
| Jefferson County, AR | 1 | Under 10 loans | 50.0% |
| Pope County, AR | 1 | Under 10 loans | 0.0% |
| Randolph County, AR | 1 | Under 10 loans | 0.0% |
| Sharp County, AR | 1 | Under 10 loans | 0.0% |
| White County, AR | 1 | Under 10 loans | 50.0% |
| El Dorado County, CA | 1 | Under 10 loans | 0.0% |
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When ENCORE BANK’s figures are published for the next year, or restated.
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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.