Applications / Mortgage Analytics / Lenders / Texas / Encompass Lending Group
Katy, TX · Independent non-bank lender · CFPB · 720 loans in 2025
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720
loans originated, 2025
1,048
applications, 2025
32
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Encompass Lending Group, a Texas home-purchase lender, has turned from almost purely conventional loans in 2020 to a business in which government-backed loans make up more than a third.
In 2020 conventional loans, those without a government guarantee, were 94.1% of its lending. In 2025 they were 62.1%. Loans insured by the Federal Housing Administration (FHA) rose from 5.2% to 24.3%, and loans guaranteed by the Department of Veterans Affairs (VA) from 0.7% to 12.6%. Its VA share is higher than at most similar lenders, independent non-bank lenders making between half and twice as many loans, whose figure was 5.7%.
It now sits near the middle of its peers on lending to low- and moderate-income borrowers. Their share of its loans rose from 10.4% in 2020 to 26.2%, against 25.3% for peers. Purchases made up 84.0% of its loans.
It made 720 loans in 2025, against 713 the year before, a rise of 1%. Its peers grew by 2% and the whole market by 10%. Its volume has recovered from a low of 484 in 2023 but remains below the 844 of 2020.
Texas is its main state. It ranked 157 of 929 lenders around Houston and 122 of 753 around Austin, with steady shares in both. It has added newer markets, among them Salt Lake City, which it entered in 2024 and where its share rose to 0.1%.
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, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Encompass Lending Group took 1,048 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 84.0% · Refinance 16.0%
Conventional 62.1% · FHA 24.3% · VA 12.6% · USDA (RHS or FSA) 1.0% · of 720 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 |
|---|---|---|
| Texas | 354 | 49.2% |
| North Carolina | 85 | 11.8% |
| California | 49 | 6.8% |
| Utah | 39 | 5.4% |
| Arizona | 29 | 4.0% |
| Virginia | 26 | 3.6% |
| Florida | 21 | 2.9% |
| Indiana | 14 | 1.9% |
| Maryland | 11 | 1.5% |
| Missouri | 11 | 1.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 149 |
| Austin-Round Rock-San Marcos | 91 |
| Dallas-Plano-Irving | 39 |
| Phoenix-Mesa-Chandler | 25 |
| Fayetteville | 18 |
| Riverside-San Bernardino-Ontario | 15 |
| San Antonio-New Braunfels | 15 |
| Raleigh-Cary | 14 |
| Fort Worth-Arlington-Grapevine | 13 |
| Indianapolis-Carmel-Greenwood | 13 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900I68BOSEM149Q58 | 2018–2025 |
Established 25 April 2008. Reported under HMDA 2018-2025.
Mergers, name changes, data editions and corrections: Encompass Lending Group's data.
Encompass Lending Group's data
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