Lender in Arkansas · HMDA 2025
Encore Bank mortgages in Arkansas
Encore Bank's 2025 home-purchase and refinance lending in Arkansas, compared with all lenders in the state.
Encore Bank originated 306 owner-occupied single-family loans in Arkansas from 373 completed applications.
Its median conventional purchase loan costs were $3,310 versus $3,850 for all Arkansas lenders, at a median 30-year fixed rate of 6.625% (Arkansas: 6.625%).
Loans in AR
306
of 373 applications
Denial rate
16.8%
Purchase · AR 8.5%
Rate spread
+0.08 pts
Conv. · AR +0.17 pts
Loan amount
$295,000
Purchase · AR $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 327 | 266 | 16.8% | 6.625% | +0.08 pts | $3,310 | $295,000 |
| Refinance | 30 | 29 | 3.3% | 6.490% | +0.07 pts | $3,080 | $365,000 |
| Cash-out refinance | 16 | 11 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Arkansas counties where Encore Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Pulaski County | 11 | 129 | 2.6% |
| Saline County | 14 | 38 | 1.6% |
| Washington County | 19 | 46 | 1.2% |
| Garland County | 21 | 14 | 1.1% |
| Madison County | 22 | 2 | 1.0% |
| Clark County | 23 | 1 | 0.5% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology