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E
ENCORE BANK
Bank|Little Rock, AR|Near-National
Loans Originated
555
Applications
1,014
Volume
$219 million
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Sound
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.247%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,234
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
54.7%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Particularly strong in Conventional and FHA and VA loans
- Nationwide availability with consistent service
Report Card
ENCORE BANK performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Strong | Near-National · 8 metro areas · 26 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$395,505
Average Borrower Income
$200,584
Average Property Value
$522,676
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Strong | Sound | 428 | 77.1% | +0.268% | $1,253 |
FHA Loans | Strong | Strong | Exceptional | Sound | 65 | 11.7% | +0.300% | $1,032 |
VA Loans | Strong | Strong | Strong | Sound | 30 | 5.4% | -0.377% | $1,207 |
Jumbo Loans | Sound | Sound | Strong | Acceptable | 26 | 4.7% | +0.275% | $1,462 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Strong | Sound | 504 | 90.8% | +0.244% | $1,283 |
Refinance | Sound | Sound | Sound | Sound | 51 | 9.2% | +0.269% | $794 |
Geographic Coverage
Metro Areas
7
States Served
26
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALARCACOFLGAILKSLAMDMEMIMNMOMSNCNJNMNYOKSCTNTXUTVAWA
Top Metro Areas by Place Specialization Score
1
Little Rock, ARMSA
Volume: 226Mix: 40.72%
Place Specialization
Exceptional
2
Jonesboro, AR, ARMSA
Volume: 32Mix: 5.77%
Place Specialization
Strong
3
Fayetteville, ARMSA
Volume: 100Mix: 18.02%
Place Specialization
Strong
4
Hot Springs, AR, ARMSA
Volume: 26Mix: 4.68%
Place Specialization
Strong
5
San Antonio, TXMSA
Volume: 29Mix: 5.23%
Place Specialization
Sound
6
Denver, COMSA
Volume: 27Mix: 4.86%
Place Specialization
Sound
7
Dallas, TXMSA
Volume: 10Mix: 1.80%
Place Specialization
Acceptable
Top States by Place Specialization Score
1
ARState
Volume: 408Mix: 73.51%
Place Specialization
Exceptional
2
TXState
Volume: 56Mix: 10.09%
Place Specialization
Sound
3
COState
Volume: 32Mix: 5.77%
Place Specialization
Sound
4
TNState
Volume: 10Mix: 1.80%
Place Specialization
Acceptable
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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