Purchase Originations
535
Ranked #602 nationally
Median Total Costs
$8,879
+32.9% vs national ($6,680)
↓ $695 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$3,086
Median Lender Credits
$1,122
Cost Rank (500+ vol.)
#494
among lenders with 500+ originations
Denial Rate
3.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 292 | 6.750% | $6,974 | $2,828 |
| fha | 163 | 6.500% | $13,230 | $3,525 |
| va | 73 | 6.500% | $8,969 | $3,689 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 282 | 6.625% | $8,422 | #165 |
| North Carolina | 65 | 6.500% | $7,784 | #179 |
| Utah | 29 | 6.625% | $9,976 | — |
| California | 28 | 6.625% | $14,593 | — |
| Virginia | 21 | 6.625% | $10,626 | — |
| Arizona | 19 | 6.625% | $9,129 | — |
| Florida | 13 | 6.750% | $10,797 | — |
| Indiana | 10 | 6.558% | $4,478 | — |
| Maryland | 8 | 6.933% | $6,559 | — |
| Georgia | 6 | 6.938% | $10,069 | — |
| Nevada | 6 | 6.312% | $10,888 | — |
| South Carolina | 5 | 6.750% | $5,395 | — |
| Colorado | 4 | 6.125% | $11,703 | — |
| Missouri | 4 | 6.433% | $7,221 | — |
| New Jersey | 4 | 6.500% | $8,485 | — |
| Alabama | 3 | 6.625% | $9,948 | — |
| Arkansas | 3 | 6.990% | $11,771 | — |
| Connecticut | 3 | 6.990% | $7,551 | — |
| Ohio | 3 | 6.750% | $7,895 | — |
| Oklahoma | 3 | 6.625% | $8,008 | — |
| District of Columbia | 2 | 7.308% | $8,260 | — |
| Idaho | 2 | 6.625% | $8,521 | — |
| Kentucky | 2 | 6.875% | $11,202 | — |
| Michigan | 2 | 6.558% | $8,691 | — |
| Minnesota | 2 | 6.562% | $10,632 | — |
| Washington | 2 | 6.000% | $24,802 | — |
| Illinois | 1 | 6.124% | $15,882 | — |
| Maine | 1 | 7.125% | $10,733 | — |
| Tennessee | 1 | 7.125% | $13,447 | — |
| Wisconsin | 1 | 7.625% | $10,078 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,721 | 6.750% | — | 5 | −$3,158 | |
| 2 | $6,371 | 6.990% | — | 5 | −$2,508 | |
| 3 | $6,405 | 6.490% | — | 5 | −$2,474 | |
| 4 | $6,541 | 6.490% | — | 9 | −$2,338 | |
| 5 | $7,519 | 6.495% | — | 6 | −$1,360 | |
| 6 | $7,696 | 6.750% | — | 58 | −$1,183 | |
| 7 | $7,837 | 6.875% | — | 5 | −$1,042 | |
| 8 | $7,936 | 6.875% | — | 13 | −$943 | |
| 9 | $8,332 | 6.250% | — | 12 | −$547 | |
| 10 | $8,450 | 6.812% | — | 10 | −$429 | |
| 11 | $8,672 | 6.812% | — | 32 | −$207 | |
| 12 | $8,987 | 6.625% | — | 12 | +$108 | |
| 13 | $9,058 | 6.625% | — | 28 | +$179 | |
| 14 | $9,060 | 6.990% | — | 8 | +$181 | |
| 15 | $9,972 | 6.750% | — | 6 | +$1,093 | |
| 16 | $10,558 | 6.438% | — | 6 | +$1,679 | |
| 17 | $11,223 | 6.433% | — | 32 | +$2,344 | |
| 18 | $12,528 | 6.438% | — | 6 | +$3,649 | |
| 19 | $12,770 | 6.625% | — | 11 | +$3,891 | |
| 20 | $23,726 | 6.745% | — | 6 | +$14,847 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Encompass Lending Group, LP | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $325,000 | $335,000 | −$10,000 (−3.0%) |
| Median total closing costs | $8,879 | $7,127 | +$1,752 (+24.6%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.