Applications / Mortgage Analytics / Lenders / Arkansas / Encore Bank
Little Rock, AR · State member bank · FRS · $3.6 billion assets · 529 loans in 2025
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529
loans originated, 2025
862
applications, 2025
30
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Encore Bank is a Little Rock purchase lender with larger loans and more government-backed lending than similar banks, whose originations fell 24% in 2025.
Purchases were 78.8% of its loans. 9.5% were insured by the Federal Housing Administration (FHA) and 5.1% guaranteed by the Department of Veterans Affairs (VA), where the typical similar lender (state member banks making between half and twice as many loans) had none. Its typical loan was $305,000, against $195,000, larger than at more than four in five peers, and its typical rate, 6.50%, was lower than at about three in four.
Originations fell 24% to 529, while the typical peer grew 7%, among the lowest tenth of peers. It made 1,370 loans in 2021. It filed no HMDA report for 2018 or 2019. Possible reasons include a choice to lend less or weaker demand in some of its 63 metros; the data do not say which.
In Little Rock it ranks 20 of 423, with 1.4% of the dollars against 2.2%, in a market led by Arvest Bank, First Security Bank and Arkansas Federal Credit Union; in Hot Springs its share fell to 0.8% from 1.8%. One possible reason is its own lower dollar volume, $201.1 million against $269.2 million.
11.8% of its loans were in low- and moderate-income (LMI) tracts, against 16.7% for peers. Possible reasons are its larger purchase loans and its spread across 30 states. 15.3% were in majority-minority tracts, against 7.3%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2020–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Encore Bank took 862 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 78.8% · Refinance 18.7% · Other 1.7% · Home improvement 0.8%
Conventional 84.5% · FHA 9.5% · VA 5.1% · USDA (RHS or FSA) 0.9% · of 529 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Arkansas | 374 | 70.7% |
| Texas | 63 | 11.9% |
| Missouri | 13 | 2.5% |
| Colorado | 11 | 2.1% |
| North Carolina | 10 | 1.9% |
| Florida | 9 | 1.7% |
| South Carolina | 6 | 1.1% |
| California | 5 | 0.9% |
| Louisiana | 4 | 0.8% |
| Georgia | 3 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Little Rock-North Little Rock-Conway | 200 |
| Fayetteville-Springdale-Rogers | 114 |
| San Antonio-New Braunfels | 34 |
| Jonesboro | 21 |
| Hot Springs | 20 |
| Springfield | 10 |
| Denver-Aurora-Centennial | 8 |
| Fort Worth-Arlington-Grapevine | 7 |
| Austin-Round Rock-San Marcos | 5 |
| Charlotte-Concord-Gastonia | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000JFVFQFL816N45 | 2020–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2594240 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 22594240 | 1999–2016 |
Established 8 September 1997. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: Encore Bank's data.
Encore Bank's data
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