# ENCORE BANK

> **Canonical URL:** https://saferate.com/lenders/encore-bank


> **📋 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


ENCORE BANK is a bank, headquartered in Little Rock, AR, serving borrowers across 26 states, with 555 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 35% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 48% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493000JFVFQFL816N45
- **Headquarters:** Little Rock, AR
- **Geographic Reach:** Near-National
- **States Served:** 26
- **State List:** AL, AR, CA, CO, FL, GA, IL, KS, LA, MD, ME, MI, MN, MO, MS, NC, NJ, NM, NY, OK, SC, TN, TX, UT, VA, WA
- **Markets (MSAs):** 8
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 65/100
- Rating: ●●●●○ (4/5)

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

### Pricing Details
- **Average Rate Spread:** +0.247%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,234
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 555
- **Dollar Volume:** $220 million
- **Applications Received:** 1,014
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $395,505
- **Average Borrower Income:** $200,584
- **Average Property Value:** $522,676

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (64%)
- ⭐ **FHA Gold Superstar** (71%)
- ⭐ **VA Gold Superstar** (64%)
- ⭐ **Purchase Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 66/100 | 428 | +0.268% | $1,253 | Strong 😀 |
| FHA | 64/100 | 65 | +0.300% | $1,032 | Strong 😀 |
| VA | 63/100 | 30 | -0.377% | $1,207 | Strong 😀 |
| Jumbo | 48/100 | 26 | +0.275% | $1,462 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 386 loans, Score: 67/100 (Strong)
- Refinance: 42 loans, Score: 51/100 (Sound)

**FHA:**
- Purchase: 63 loans, Score: 63/100 (Strong)

**VA:**
- Purchase: 27 loans, Score: 63/100 (Strong)

**Jumbo:**
- Purchase: 22 loans, Score: 46/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 66/100 | 504 | $195M | +0.244% | Strong 😀 |
| Refinance | 52/100 | 51 | $24M | +0.269% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AR | 408 | 1.27% | 84/100 |
| TX | 56 | 0.02% | 52/100 |
| CO | 32 | 0.04% | 51/100 |
| TN | 10 | 0.01% | 38/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Little Rock | AR | 226 | 92/100 |
| Fayetteville | AR | 100 | 73/100 |
| Jonesboro, AR | AR | 32 | 74/100 |
| Non |  | 30 | 34/100 |
| San Antonio | TX | 29 | 53/100 |
| Denver | CO | 27 | 52/100 |
| Hot Springs, AR | AR | 26 | 69/100 |
| Dallas | TX | 10 | 38/100 |

## Where This Lender Ranks

ENCORE BANK appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Hot Springs, AR Banks
  - [View Full Rankings](https://saferate.com/hot-springs-ar/best-mortgage-lenders/banks)
- 🏆 **#4** in Jonesboro, AR Banks
  - [View Full Rankings](https://saferate.com/jonesboro-ar/best-mortgage-lenders/banks)
- 🏆 **#4** in Hot Springs, AR for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/hot-springs-ar/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#5** in Little Rock Banks
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders/banks)
- 🏆 **#5** in Jonesboro, AR for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/jonesboro-ar/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#6** in Little Rock for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#6** in Jonesboro, AR for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/jonesboro-ar/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#7** in Arkansas for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#7** in Little Rock for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#8** in Arkansas for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#8** in Fayetteville for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/fayetteville/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#8** in Fayetteville for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/fayetteville/best-mortgage-lenders/banks/va-loans)
- 🏆 **#8** in Jonesboro, AR
  - [View Full Rankings](https://saferate.com/jonesboro-ar/best-mortgage-lenders)
- 🏆 **#8** in Hot Springs, AR
  - [View Full Rankings](https://saferate.com/hot-springs-ar/best-mortgage-lenders)
- 🏆 **#9** in Arkansas Banks
  - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/banks)
- 🏆 **#9** in Little Rock for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders/banks/va-loans)
- 🏆 **#9** in Jonesboro, AR for Conventional Loans
  - [View Full Rankings](https://saferate.com/jonesboro-ar/best-mortgage-lenders/conventional-loans)
- 🏆 **#10** in Arkansas for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#10** in Arkansas for Jumbo Loans
  - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/jumbo-loans)
- 🏆 **#10** in Fayetteville Banks
  - [View Full Rankings](https://saferate.com/fayetteville/best-mortgage-lenders/banks)

## Frequently Asked Questions

### What loan types does ENCORE BANK offer?

ENCORE BANK offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does ENCORE BANK offer mortgages?

ENCORE BANK offers mortgages in 26 states: AL, AR, CA, CO, FL, GA, IL, KS, LA, MD, ME, MI, MN, MO, MS, NC, NJ, NM, NY, OK, SC, TN, TX, UT, VA, WA.

### How competitive are ENCORE BANK's mortgage rates?

ENCORE BANK has a pricing score of 65/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.247% above market average.

### What type of lender is ENCORE BANK?

ENCORE BANK is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Little Rock, AR.

### What is ENCORE BANK's loan approval success rate?

ENCORE BANK 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/encore-bank

### How to Cite

> "ENCORE BANK Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/encore-bank

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