Encompass Lending Group
We analyzed every closed loan from Encompass Lending Group — 674 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Near-National · 7 mkts
Summary
What They Do Well
- Particularly strong in FHA and VA loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Encompass Lending Group performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+45.5 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 8 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 389 | 57.7% | +0.411%Above | $2,553Fees | ||||
FHA Loans | 176 | 26.1% | +0.752%Above | $2,744Fees | ||||
VA Loans | 99 | 14.7% | +0.024%Above | $1,684Fees |
Conventional
OverallAcceptable
ProductSound
PricingAcceptable
Pull ThroughAcceptable
Volume389
Mix57.7%
Spread
+0.411%Above
Fees
$2,553Fees
FHA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume176
Mix26.1%
Spread
+0.752%Above
Fees
$2,744Fees
VA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume99
Mix14.7%
Spread
+0.024%Above
Fees
$1,684Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 620 | 92.0% | +0.449%Above | $2,454Fees | ||||
Refinance | 54 | 8.0% | +0.533%Above | $2,960Fees |
Purchase
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume620
Mix92.0%
Spread
+0.449%Above
Fees
$2,454Fees
Refinance
OverallAcceptable
ProductAcceptable
PricingAcceptable
Pull ThroughAcceptable
Volume54
Mix8.0%
Spread
+0.533%Above
Fees
$2,960Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
674
Applications
1,008
Volume
$228 million
Pricing & Closing
Avg Rate Spread
+0.455%
vs. market APOR
Avg Net Fees
$2,494
Origination − Credits
Pullthrough Rate
66.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$339,154
Avg Borrower Income
$140,791
Avg Property Value
$415,964
Geographic Coverage
Geographic Performance
Metro Areas
7
markets with activity
States Served
32
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
32Northeast2
NJPA
Midwest6
IAILINKSMIOH
South14
ALARFLGAKYLAMDNCOKSCTNTXVAWV
West10
AZCACOIDNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Volume 113Mix 16.77% of portfolio
73/100
Strong
Volume 121Mix 17.95% of portfolio
68/100
Strong
Volume 76Mix 11.28% of portfolio
63/100
Strong
Volume 31Mix 4.60% of portfolio
61/100
Strong
5© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 24Mix 3.56% of portfolio
51/100
Sound
Volume 14Mix 2.08% of portfolio
44/100
Sound
Volume 11Mix 1.63% of portfolio
41/100
SoundTop States by Place Specialization Score
1
TexasState
Volume 400Mix 59.35% of portfolio
75/100
Strong2
North CarolinaState
Volume 71Mix 10.53% of portfolio
57/100
Sound3
UtahState
Volume 19Mix 2.82% of portfolio
47/100
Sound4
South CarolinaState
Volume 19Mix 2.82% of portfolio
45/100
Sound5
VirginiaState
Volume 19Mix 2.82% of portfolio
45/100
Sound6
MarylandState
Volume 16Mix 2.37% of portfolio
43/100
Sound7
FloridaState
Volume 21Mix 3.12% of portfolio
41/100
Sound8
GeorgiaState
Volume 14Mix 2.08% of portfolio
41/100
Sound9
PennsylvaniaState
Volume 14Mix 2.08% of portfolio
40/100
Sound10
IndianaState
Volume 10Mix 1.48% of portfolio
38/100
AcceptableShowing 10 of 11 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.