# ENCOMPASS LENDING GROUP, LP

> **Canonical URL:** https://saferate.com/lenders/encompass-lending-group-lp


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


ENCOMPASS LENDING GROUP, LP is a independent mortgage company, headquartered in KATY, TX, serving borrowers across 32 states, with 674 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 69% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 48% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 254900I68BOSEM149Q58
- **Headquarters:** KATY, TX
- **Geographic Reach:** Near-National
- **States Served:** 32
- **State List:** AL, AR, AZ, CA, CO, FL, GA, IA, ID, IL, IN, KS, KY, LA, MD, MI, NC, NJ, NM, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WV, WY
- **Markets (MSAs):** 8
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 31/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 52/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.455%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,494
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 674
- **Dollar Volume:** $229 million
- **Applications Received:** 1,008
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $339,154
- **Average Borrower Income:** $140,791
- **Average Property Value:** $415,964

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 49/100 | 389 | +0.411% | $2,553 | Sound ☺️ |
| FHA | 66/100 | 176 | +0.752% | $2,744 | Strong 😀 |
| VA | 70/100 | 99 | +0.024% | $1,684 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 343 loans, Score: 50/100 (Sound)
- Refinance: 46 loans, Score: 42/100 (Sound)

**FHA:**
- Purchase: 171 loans, Score: 66/100 (Strong)

**VA:**
- Purchase: 96 loans, Score: 70/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 57/100 | 620 | $211M | +0.449% | Sound ☺️ |
| Refinance | 40/100 | 54 | $18M | +0.533% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 400 | 0.11% | 75/100 |
| NC | 71 | 0.05% | 57/100 |
| FL | 21 | 0.01% | 41/100 |
| SC | 19 | 0.02% | 45/100 |
| UT | 19 | 0.04% | 47/100 |
| VA | 19 | 0.02% | 45/100 |
| MD | 16 | 0.02% | 43/100 |
| GA | 14 | 0.01% | 41/100 |
| PA | 14 | 0.01% | 40/100 |
| CA | 10 | 0.00% | 36/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Houston | TX | 121 | 68/100 |
| Austin | TX | 113 | 73/100 |
| Dallas | TX | 76 | 63/100 |
| Non |  | 46 | 40/100 |
| Fayetteville, NC | NC | 31 | 61/100 |
| Fort Worth | TX | 24 | 51/100 |
| San Antonio | TX | 14 | 44/100 |
| Baltimore | MD | 11 | 41/100 |

## Frequently Asked Questions

### What loan types does ENCOMPASS LENDING GROUP, LP offer?

ENCOMPASS LENDING GROUP, LP offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does ENCOMPASS LENDING GROUP, LP offer mortgages?

ENCOMPASS LENDING GROUP, LP offers mortgages in 32 states: AL, AR, AZ, CA, CO, FL, GA, IA, ID, IL, IN, KS, KY, LA, MD, MI, NC, NJ, NM, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WV, WY.

### How competitive are ENCOMPASS LENDING GROUP, LP's mortgage rates?

ENCOMPASS LENDING GROUP, LP has a pricing score of 31/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.455% above market average.

### What type of lender is ENCOMPASS LENDING GROUP, LP?

ENCOMPASS LENDING GROUP, LP is a non-depository lender that specializes in mortgage origination, headquartered in KATY, TX.

### What is ENCOMPASS LENDING GROUP, LP's loan approval success rate?

ENCOMPASS LENDING GROUP, LP has a pull-through score of 52/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/encompass-lending-group-lp

### How to Cite

> "ENCOMPASS LENDING GROUP, LP Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/encompass-lending-group-lp

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