Ennkar, Inc. Mortgage Lending & HMDA Data, 2022
In 2022, Ennkar, Inc. of Orange, CA reported 1,348 mortgage applications totaling $421.4 million. The average application was for $312,603, and applicants reported an average income of $31,210. 61% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (110), Los Angeles-Long Beach-Glendale, CA (108) and Phoenix-Mesa-Scottsdale, AZ (99) (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 | 1,348 |
| Total Mortgage Loan Application Amount | $421,390,000 |
| Average Mortgage Loan Application Amount | $312,603 |
| Highest Mortgage Loan Application Amount | $2,355,000 |
| Average Applicant Income | $31,210 |
| Highest Applicant Income | $280,000 |
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Act (HMDA) records Ennkar, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Ennkar, Inc. in 2022
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 | 926 | $280,800,000 | $303,000 | $2,355,000 | $30,000 | $219,000 |
| Cash-out Refinancing | 406 | $134,680,000 | $331,000 | $1,815,000 | $34,000 | $280,000 |
| Other Purpose | 13 | $5,365,000 | $412,000 | $935,000 | $30,000 | $49,000 |
| Home Improvement | 2 | $380,000 | $190,000 | $295,000 | $21,000 | $32,000 |
| Home Purchase | 1 | $165,000 | $165,000 | $165,000 | $56,000 | $56,000 |
| Not Applicable | 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 | 722 | $228,320,000 | $316,000 | $2,355,000 | $32,000 | $280,000 |
| White | 436 | $138,120,000 | $316,000 | $1,425,000 | $31,000 | $152,000 |
| Black or African American | 65 | $17,905,000 | $275,000 | $665,000 | $31,000 | $219,000 |
| Hispanic | 55 | $13,645,000 | $248,000 | $925,000 | $27,000 | $93,000 |
| Not applicable | 43 | $10,895,000 | $253,000 | $755,000 | $32,000 | $84,000 |
| Asian | 19 | $9,165,000 | $482,000 | $1,105,000 | $33,000 | $105,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $2,065,000 | $413,000 | $515,000 | $32,000 | $46,000 |
| American Indian or Alaskan Native | 1 | $125,000 | $125,000 | $125,000 | $24,000 | $24,000 |
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) | 1,163 | $314,455,000 | $270,000 | $725,000 | $30,000 | $280,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 185 | $106,935,000 | $578,000 | $2,355,000 | $38,000 | $161,000 |
| 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 | 821 | $265,155,000 | $322,000 | $1,815,000 | $31,000 | $161,000 |
| Application Withdrawn By Applicant | 202 | $63,680,000 | $315,000 | $2,355,000 | $34,000 | $219,000 |
| File Closed For Incompleteness | 158 | $46,640,000 | $295,000 | $1,235,000 | $32,000 | $233,000 |
| Application Denied By Financial Institution | 105 | $28,315,000 | $269,000 | $985,000 | $29,000 | $208,000 |
| Application Approved But Not Accepted | 62 | $17,600,000 | $283,000 | $1,355,000 | $34,000 | $280,000 |
| 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 | 1,243 | $393,075,000 | $316,000 | $2,355,000 | $32,000 | $280,000 |
| Unverifiable Information | 36 | $8,920,000 | $247,000 | $595,000 | $26,000 | $93,000 |
| Other | 23 | $7,625,000 | $331,000 | $715,000 | $29,000 | $70,000 |
| Collateral | 18 | $5,140,000 | $285,000 | $985,000 | $43,000 | $208,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $3,375,000 | $225,000 | $535,000 | $26,000 | $43,000 |
| Debt-To-Income Ratio | 10 | $2,850,000 | $285,000 | $885,000 | $21,000 | $48,000 |
| Credit History | 3 | $405,000 | $135,000 | $245,000 | $27,000 | $48,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 2022 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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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