Ennkar, Inc. Mortgage Lending & HMDA Data, 2025
In 2025, Ennkar, Inc. of Orange, CA reported 245 mortgage applications totaling $99.7 million, down 12% from 2024. The average application was for $407,040, and applicants reported an average income of $34,004. 60% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (30), Riverside-San Bernardino-Ontario, CA (18) and Anaheim-Santa Ana-Irvine, CA (16) (applications in parentheses).
| Mortgage Company & Address | Ennkar, Inc. 1036 W. Taft Avenue Suite 200 Orange, CA 92868 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 |
| Total Number of Mortgage Applications | 245 |
| Total Mortgage Loan Application Amount | $99,725,000 |
| Average Mortgage Loan Application Amount | $407,040 |
| Highest Mortgage Loan Application Amount | $2,295,000 |
| Average Applicant Income | $34,004 |
| Highest Applicant Income | $145,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Ennkar, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 30 | $ 16,340,000 | $ 544,666 | $ 35,000 |
| Outside any metro area | 19 | $ 6,075,000 | $ 319,736 | $ 46,421 |
| Riverside-San Bernardino-Ontario, CA | 18 | $ 5,850,000 | $ 325,000 | $ 30,000 |
| Anaheim-Santa Ana-Irvine, CA | 16 | $ 13,540,000 | $ 846,250 | $ 34,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 12 | $ 8,290,000 | $ 690,833 | $ 29,000 |
| Phoenix-Mesa-Scottsdale, AZ | 10 | $ 3,600,000 | $ 360,000 | $ 46,000 |
| San Diego-Carlsbad, CA | 10 | $ 4,120,000 | $ 412,000 | $ 34,000 |
| Orlando-Kissimmee-Sanford, FL | 9 | $ 2,195,000 | $ 243,888 | $ 30,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 7 | $ 1,975,000 | $ 282,142 | $ 26,000 |
| Denver-Aurora-Lakewood, CO | 6 | $ 1,520,000 | $ 253,333 | $ 42,000 |
| Oakland-Hayward-Berkeley, CA | 6 | $ 3,750,000 | $ 625,000 | $ 30,000 |
| Miami-Miami Beach-Kendall, FL | 5 | $ 1,565,000 | $ 313,000 | $ 25,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 5 | $ 975,000 | $ 195,000 | $ 32,000 |
| Houston-The Woodlands-Sugar Land, TX | 4 | $ 790,000 | $ 197,500 | $ 36,000 |
| El Paso, TX | 3 | $ 235,000 | $ 78,333 | $ 23,000 |
| Philadelphia, PA | 3 | $ 345,000 | $ 115,000 | $ 34,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 3 | $ 745,000 | $ 248,333 | $ 39,000 |
| Salinas, CA | 3 | $ 3,505,000 | $ 1,168,333 | $ 37,000 |
| San Francisco-Redwood City-South San Francisco, CA | 3 | $ 1,775,000 | $ 591,666 | $ 32,000 |
| Urban Honolulu, HI | 3 | $ 2,045,000 | $ 681,666 | $ 24,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 3 | $ 865,000 | $ 288,333 | $ 45,000 |
| Winston-Salem, NC | 3 | $ 355,000 | $ 118,333 | $ 17,000 |
| Bakersfield, CA | 2 | $ 310,000 | $ 155,000 | $ 19,000 |
| Baltimore-Columbia-Towson, MD | 2 | $ 570,000 | $ 285,000 | $ 42,000 |
| Bellingham, WA | 2 | $ 480,000 | $ 240,000 | $ 32,000 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 260,000 | $ 130,000 | $ 24,000 |
| Fort Collins, CO | 2 | $ 530,000 | $ 265,000 | $ 40,000 |
| Greeley, CO | 2 | $ 200,000 | $ 100,000 | $ 15,000 |
| Kahului-Wailuku-Lahaina, HI | 2 | $ 2,420,000 | $ 1,210,000 | $ 57,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 590,000 | $ 295,000 | $ 13,000 |
| Ocala, FL | 2 | $ 160,000 | $ 80,000 | $ 19,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 1,020,000 | $ 510,000 | $ 43,000 |
| Raleigh, NC | 2 | $ 360,000 | $ 180,000 | $ 30,000 |
| San Antonio-New Braunfels, TX | 2 | $ 260,000 | $ 130,000 | $ 24,000 |
| San Rafael, CA | 2 | $ 1,210,000 | $ 605,000 | $ 18,000 |
| Santa Maria-Santa Barbara, CA | 2 | $ 1,520,000 | $ 760,000 | $ 41,000 |
| Tampa, FL | 2 | $ 350,000 | $ 175,000 | $ 27,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 115,000 | $ 115,000 | $ 33,000 |
| Beaumont-Port Arthur, TX | 1 | $ 115,000 | $ 115,000 | $ 54,000 |
| Bend-Redmond, OR | 1 | $ 175,000 | $ 175,000 | $ 41,000 |
| Bremerton-Silverdale, WA | 1 | $ 625,000 | $ 625,000 | $ 53,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 135,000 | $ 135,000 | $ 27,000 |
| Chicago-Naperville, IL | 1 | $ 245,000 | $ 245,000 | $ 25,000 |
| Colorado Springs, CO | 1 | $ 145,000 | $ 145,000 | $ 13,000 |
| Dallas-Plano-Irving, TX | 1 | $ 675,000 | $ 675,000 | $ 63,000 |
| Eagle Pass, TX | 1 | $ 55,000 | $ 55,000 | $ 24,000 |
| Elgin, IL | 1 | $ 75,000 | $ 75,000 | $ 34,000 |
| Flagstaff, AZ | 1 | $ 295,000 | $ 295,000 | $ 27,000 |
| Fort Worth-Arlington, TX | 1 | $ 165,000 | $ 165,000 | $ 27,000 |
| Fresno, CA | 1 | $ 405,000 | $ 405,000 | $ 81,000 |
| Harrisburg-Carlisle, PA | 1 | $ 205,000 | $ 205,000 | $ 23,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 165,000 | $ 165,000 | $ 24,000 |
| Lakeland-Winter Haven, FL | 1 | $ 115,000 | $ 115,000 | $ 60,000 |
| Lancaster, PA | 1 | $ 245,000 | $ 245,000 | $ 76,000 |
| Longview, TX | 1 | $ 145,000 | $ 145,000 | $ 26,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 85,000 | $ 85,000 | $ 26,000 |
| Modesto, CA | 1 | $ 225,000 | $ 225,000 | $ 25,000 |
| Napa, CA | 1 | $ 605,000 | $ 605,000 | $ 42,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 505,000 | $ 505,000 | $ 69,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 235,000 | $ 235,000 | $ 37,000 |
| Provo-Orem, UT | 1 | $ 215,000 | $ 215,000 | $ 13,000 |
| Salt Lake City, UT | 1 | $ 335,000 | $ 335,000 | $ 32,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 515,000 | $ 515,000 | $ 33,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 535,000 | $ 535,000 | $ 34,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 555,000 | $ 555,000 | $ 24,000 |
| Spokane-Spokane Valley, WA | 1 | $ 135,000 | $ 135,000 | $ 24,000 |
| Stockton-Lodi, CA | 1 | $ 375,000 | $ 375,000 | $ 30,000 |
| Tallahassee, FL | 1 | $ 85,000 | $ 85,000 | $ 18,000 |
| Tucson, AZ | 1 | $ 115,000 | $ 115,000 | $ 20,000 |
| Washington, DC-MD | 1 | $ 265,000 | $ 265,000 | $ 36,000 |
| Yuba City, CA | 1 | $ 145,000 | $ 145,000 | $ 21,000 |
Mortgage Loan Application Detail Totals for Ennkar, Inc. in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 234 | $96,940,000 | $414,000 | $2,295,000 | $34,000 | $145,000 |
| Other Purpose | 7 | $1,445,000 | $206,000 | $485,000 | $31,000 | $72,000 |
| Home Improvement | 2 | $370,000 | $185,000 | $225,000 | $35,000 | $45,000 |
| Home Purchase | 2 | $970,000 | $485,000 | $585,000 | $44,000 | $57,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not Provided | 120 | $45,060,000 | $375,000 | $1,725,000 | $35,000 | $145,000 |
| White | 76 | $32,360,000 | $425,000 | $1,495,000 | $34,000 | $106,000 |
| Hispanic | 20 | $6,020,000 | $301,000 | $635,000 | $28,000 | $71,000 |
| Black or African American | 18 | $8,490,000 | $471,000 | $1,225,000 | $30,000 | $61,000 |
| Asian | 7 | $4,025,000 | $575,000 | $955,000 | $42,000 | $70,000 |
| Not applicable | 4 | $3,770,000 | $942,000 | $2,295,000 | $32,000 | $51,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 166 | $46,830,000 | $282,000 | $765,000 | $32,000 | $106,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 79 | $52,895,000 | $669,000 | $2,295,000 | $38,000 | $145,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 148 | $60,840,000 | $411,000 | $1,725,000 | $34,000 | $145,000 |
| Application Withdrawn By Applicant | 61 | $16,885,000 | $276,000 | $1,215,000 | $32,000 | $81,000 |
| Application Approved But Not Accepted | 13 | $10,175,000 | $782,000 | $2,295,000 | $44,000 | $139,000 |
| Application Denied By Financial Institution | 13 | $7,815,000 | $601,000 | $1,185,000 | $27,000 | $51,000 |
| File Closed For Incompleteness | 10 | $4,010,000 | $401,000 | $955,000 | $34,000 | $63,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 232 | $91,910,000 | $396,000 | $2,295,000 | $34,000 | $145,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $3,805,000 | $761,000 | $1,185,000 | $30,000 | $51,000 |
| Debt-To-Income Ratio | 3 | $1,775,000 | $591,000 | $895,000 | $23,000 | $38,000 |
| Other | 2 | $1,080,000 | $540,000 | $835,000 | $28,000 | $36,000 |
| Unverifiable Information | 2 | $830,000 | $415,000 | $555,000 | $32,000 | $41,000 |
| Collateral | 1 | $325,000 | $325,000 | $325,000 | $12,000 | $12,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ennkar, Inc.'s 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Ennkar, Inc.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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