PlainLender

Encore Bank

Little Rock, AR

Encore Bank processed 1,225 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 696 loans with a 17.4% denial rate. Home Purchase was the primary loan purpose. Based in Little Rock, AR. The approval rate of 56.8% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Encore Bank's 56.8% origination rate tells you how often an application turned into funded money; the 17.4% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Credit history, Unverifiable information, which together explain the majority of rejections. Most activity concentrated in Conventional loans (1,033 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

1,225
Applications
696
Originated
17.4%
Denial Rate
$359,563
Avg Loan Amount
Avg Interest Rate: 6.693% Avg Applicant Income: $37,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 1,033 593 177 $370,944
FHA 134 66 33 $250,672
VA 47 31 2 $462,872
USDA 11 6 1 $175,909

Top loan types - Encore Bank

Top loan types - Encore Bank Horizontal bar chart of the top 4 items by value (applications). Top loan types - Encore Bank Top 4 1. Conventional 1,033 2. FHA 134 3. VA 47 4. USDA 11 Top 5 loan types by application volume at Encore Bank (HMDA 2024). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Encore Bank (LEI: 5493000JFVFQFL816N45) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
146
Credit history
98
Unverifiable information
10
Collateral
8
Employment history
7
Insufficient cash
6
Credit application incomplete
5
Other
3

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 1,061 599 $333,285
Refinancing 92 61 $595,109
Cash-out Refinancing 34 14 $555,294
Other 32 16 $386,563
Home Improvement 6 6 $141,667

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 882 60.8% 13.8%
Black or African American 69 31.9% 39.1%
Joint * 30 53.3% 13.3%
Asian * 21 66.7% 14.3%
American Indian or Alaska Native * 11 36.4% 36.4%
Native Hawaiian or Other Pacific Islander * 2 0.0% 0.0%
2 or more minority races * 1 100.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 770 66.6% 8.3%
Hispanic or Latino 258 26.0% 50.4%
Joint * 33 42.4% 18.2%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Nearby Lenders in AR

Other HMDA-reporting lenders in AR with similar activity. Compare any two side-by-side.

Bank of England

ENGLAND, AR

5,645 apps 3,672 originated 5.4% denied

Simmons Bank

PINE BLUFF, AR

5,087 apps 3,161 originated 24.0% denied

Centennial Bank

Conway, AR

4,878 apps 2,631 originated 17.7% denied

Bank Ozk

LITTLE ROCK, AR

4,543 apps 1,840 originated 34.5% denied

Arkansas Federal Credit Union

LITTLE ROCK, AR

4,140 apps 2,432 originated 22.0% denied
Compare Encore Bank vs Bank of England →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Encore Bank process?
Encore Bank processed 1,225 mortgage applications in the 2024 HMDA reporting year. Of these, 696 were originated (approved and funded), 297 were withdrawn by the applicant, and 213 were denied.
What is Encore Bank's mortgage approval rate?
Encore Bank has an approval (origination) rate of 56.8%, meaning 56.8% of all applications resulted in a funded mortgage. The denial rate is 17.4%.
What is the average loan amount at Encore Bank?
The average mortgage loan amount at Encore Bank is $359,563. The average interest rate is 6.693%. The average applicant income is $37,000.
What are the most common reasons for mortgage denial at Encore Bank?
The most common reasons for mortgage denial at Encore Bank are: Debt-to-income ratio, Credit history, Unverifiable information. In total, 213 applications were denied out of 1,225 total applications.
What types of mortgage loans does Encore Bank offer?
Encore Bank processes Conventional, FHA, VA, USDA loans. The most common type is Conventional with 1,033 applications and an average loan amount of $370,944.
What loan purposes does Encore Bank serve?
Encore Bank serves the following loan purposes: Home Purchase (1,061 applications), Refinancing (92 applications), Cash-out Refinancing (34 applications), Other (32 applications), Home Improvement (6 applications). Home Purchase is the most common purpose.
Where is Encore Bank located?
Encore Bank is headquartered in Little Rock, AR. The lender is identified by LEI 5493000JFVFQFL816N45 in HMDA data.
How does Encore Bank compare in lending across racial demographics?
Encore Bank reports demographic lending data under HMDA requirements. White applicants have an approval rate of 60.8% and denial rate of 13.8%; Black or African American applicants have an approval rate of 31.9% and denial rate of 39.1%; Joint applicants have an approval rate of 53.3% and denial rate of 13.3%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.