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ENCOMPASS LENDING GROUP, LP
Independent Mortgage Company|KATY, TX|Near-National
Loans Originated
674
Applications
1,008
Volume
$228 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.455%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,494
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
66.9%
Percentage of applications that result in closed loans
Safe Rate's 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
Report Card
ENCOMPASS LENDING GROUP, LP performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Sound | Near-National · 8 metro areas · 32 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$339,154
Average Borrower Income
$140,791
Average Property Value
$415,964
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Sound | Acceptable | Acceptable | 389 | 57.7% | +0.411% | $2,553 |
FHA Loans | Sound | Strong | Acceptable | Sound | 176 | 26.1% | +0.752% | $2,744 |
VA Loans | Sound | Strong | Acceptable | Strong | 99 | 14.7% | +0.024% | $1,684 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Acceptable | Sound | 620 | 92.0% | +0.449% | $2,454 |
Refinance | Acceptable | Acceptable | Acceptable | Acceptable | 54 | 8.0% | +0.533% | $2,960 |
Geographic Coverage
Metro Areas
7
States Served
32
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALARAZCACOFLGAIAIDILINKSKYLAMDMINCNJNMNVOHOKORPASCTNTXUTVAWAWVWY
Top Metro Areas by Place Specialization Score
1
Austin, TXMSA
Volume: 113Mix: 16.77%
Place Specialization
Strong
2
Houston, TXMSA
Volume: 121Mix: 17.95%
Place Specialization
Strong
3
Dallas, TXMSA
Volume: 76Mix: 11.28%
Place Specialization
Strong
4
Fayetteville, NC, NCMSA
Volume: 31Mix: 4.60%
Place Specialization
Strong
5
Fort Worth, TXMSA
Volume: 24Mix: 3.56%
Place Specialization
Sound
6
San Antonio, TXMSA
Volume: 14Mix: 2.08%
Place Specialization
Sound
7
Baltimore, MDMSA
Volume: 11Mix: 1.63%
Place Specialization
Sound
Top States by Place Specialization Score
1
TXState
Volume: 400Mix: 59.35%
Place Specialization
Strong
2
NCState
Volume: 71Mix: 10.53%
Place Specialization
Sound
3
UTState
Volume: 19Mix: 2.82%
Place Specialization
Sound
4
SCState
Volume: 19Mix: 2.82%
Place Specialization
Sound
5
VAState
Volume: 19Mix: 2.82%
Place Specialization
Sound
6
MDState
Volume: 16Mix: 2.37%
Place Specialization
Sound
7
FLState
Volume: 21Mix: 3.12%
Place Specialization
Sound
8
GAState
Volume: 14Mix: 2.08%
Place Specialization
Sound
9
PAState
Volume: 14Mix: 2.08%
Place Specialization
Sound
10
INState
Volume: 10Mix: 1.48%
Place Specialization
Acceptable
Showing 10 of 11 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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