Entrust Mortgage, Inc. Mortgage Lending & HMDA Data, 2006
In 2006, Entrust Mortgage, Inc. of Englewood, CO reported 5,949 mortgage applications totaling $904.7 million, up 5% from 2005. The average application was for $152,075, and applicants reported an average income of $103,435. 42% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (640), Denver-Aurora, CO (494) and Chicago-Naperville-Joliet, IL (184) (applications in parentheses).
| Mortgage Company & Address | Entrust Mortgage, Inc. 304 Inverness Way South Englewood, CO 80112 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 5,949 |
| Total Mortgage Loan Application Amount | $904,700,000 |
| Average Mortgage Loan Application Amount | $152,075 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $103,435 |
| Highest Applicant Income | $1,512,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Entrust Mortgage, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Marietta, GA | 640 | $ 68,387,000 | $ 106,854 | $ 98,000 |
| Denver-Aurora, CO | 494 | $ 64,374,000 | $ 130,311 | $ 98,000 |
| Chicago-Naperville-Joliet, IL | 184 | $ 22,306,000 | $ 121,228 | $ 101,000 |
| Las Vegas-Paradise, NV | 181 | $ 33,048,000 | $ 182,585 | $ 110,000 |
| Los Angeles-Long Beach-Glendale, CA | 149 | $ 45,354,000 | $ 304,389 | $ 119,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 135 | $ 24,625,000 | $ 182,407 | $ 89,000 |
| Houston-Sugar Land-Baytown, TX | 134 | $ 15,490,000 | $ 115,597 | $ 119,000 |
| Orlando-Kissimmee, FL | 134 | $ 20,033,000 | $ 149,500 | $ 89,000 |
| Miami-Miami Beach-Kendall, FL | 132 | $ 25,358,000 | $ 192,106 | $ 112,000 |
| Detroit-Livonia-Dearborn, MI | 131 | $ 13,147,000 | $ 100,358 | $ 74,000 |
| Tampa-St. Petersburg-Clearwater, FL | 121 | $ 14,024,000 | $ 115,900 | $ 78,000 |
| Dallas-Plano-Irving, TX | 120 | $ 13,863,000 | $ 115,525 | $ 80,000 |
| Riverside-San Bernardino-Ontario, CA | 100 | $ 22,585,000 | $ 225,850 | $ 113,000 |
| Phoenix-Mesa-Scottsdale, AZ | 95 | $ 17,447,000 | $ 183,652 | $ 166,000 |
| Baltimore-Towson, MD | 88 | $ 10,447,000 | $ 118,715 | $ 136,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 84 | $ 16,000,000 | $ 190,476 | $ 73,166 |
| Fort Worth-Arlington, TX | 83 | $ 6,824,000 | $ 82,216 | $ 46,000 |
| Richmond, VA | 71 | $ 5,762,000 | $ 81,154 | $ 136,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 67 | $ 12,366,000 | $ 184,567 | $ 152,000 |
| Warren-Troy-Farmington Hills, MI | 59 | $ 13,501,000 | $ 228,830 | $ 70,000 |
| Columbus, OH | 52 | $ 5,078,000 | $ 97,653 | $ 105,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 52 | $ 10,785,000 | $ 207,403 | $ 99,000 |
| Cape Coral-Fort Myers, FL | 51 | $ 8,431,000 | $ 165,313 | $ 150,000 |
| St. Louis, MO-IL | 51 | $ 3,293,000 | $ 64,568 | $ 97,764 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 51 | $ 8,653,000 | $ 169,666 | $ 122,000 |
| Indianapolis-Carmel, IN | 49 | $ 3,258,000 | $ 66,489 | $ 97,000 |
| Santa Ana-Anaheim-Irvine, CA | 47 | $ 16,067,000 | $ 341,851 | $ 166,000 |
| Oakland-Fremont-Hayward, CA | 46 | $ 15,593,000 | $ 338,978 | $ 136,000 |
| New Haven-Milford, CT | 44 | $ 3,989,000 | $ 90,659 | $ 118,000 |
| Jacksonville, FL | 35 | $ 4,269,000 | $ 121,971 | $ 90,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 35 | $ 4,681,000 | $ 133,742 | $ 53,000 |
| San Diego-Carlsbad-San Marcos, CA | 33 | $ 9,868,000 | $ 299,030 | $ 146,000 |
| Salt Lake City, UT | 32 | $ 5,619,000 | $ 175,593 | $ 68,000 |
| Port St. Lucie-Fort Pierce, FL | 31 | $ 3,725,000 | $ 120,161 | $ 105,000 |
| Hartford-West Hartford-East Hartford, CT | 28 | $ 4,385,000 | $ 156,607 | $ 78,000 |
| Sarasota-Bradenton-Venice, FL | 27 | $ 5,478,000 | $ 202,888 | $ 117,000 |
| Cincinnati-Middletown, OH-KY-IN | 26 | $ 2,696,000 | $ 103,692 | $ 77,000 |
| Bethesda-Gaithersburg-Frederick, MD | 25 | $ 6,291,000 | $ 251,640 | $ 79,000 |
| Naples-Marco Island, FL | 24 | $ 5,441,000 | $ 226,708 | $ 79,000 |
| San Antonio, TX | 24 | $ 2,391,000 | $ 99,625 | $ 123,000 |
| Tucson, AZ | 24 | $ 2,692,000 | $ 112,166 | $ 110,000 |
| Austin-Round Rock, TX | 22 | $ 1,977,000 | $ 89,863 | $ 169,000 |
| Colorado Springs, CO | 22 | $ 3,275,000 | $ 148,863 | $ 114,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 22 | $ 2,856,000 | $ 129,818 | $ 27,000 |
| Modesto, CA | 22 | $ 3,008,000 | $ 136,727 | $ 94,000 |
| Seattle-Bellevue-Everett, WA | 22 | $ 4,241,000 | $ 192,772 | $ 210,000 |
| Portland-Vancouver-Beaverton, OR-WA | 20 | $ 2,484,000 | $ 124,200 | $ 51,200 |
| Boston-Quincy, MA | 19 | $ 3,921,000 | $ 206,368 | $ 104,000 |
| Greeley, CO | 19 | $ 3,526,000 | $ 185,578 | $ 127,000 |
| Lakeland, FL | 19 | $ 1,707,000 | $ 89,842 | $ 40,000 |
| Ann Arbor, MI | 18 | $ 2,186,000 | $ 121,444 | $ 82,000 |
| Fresno, CA | 18 | $ 2,251,000 | $ 125,055 | $ 175,000 |
| Kansas City, MO-KS | 18 | $ 1,601,000 | $ 88,944 | $ 151,000 |
| Springfield, MA | 18 | $ 1,817,000 | $ 100,944 | $ 80,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 16 | $ 7,874,000 | $ 492,125 | $ 261,000 |
| Tacoma, WA | 15 | $ 2,263,000 | $ 150,866 | $ 96,000 |
| Bridgeport-Stamford-Norwalk, CT | 14 | $ 2,787,000 | $ 199,071 | $ 111,000 |
| Ogden-Clearfield, UT | 14 | $ 875,000 | $ 62,500 | $ 75,000 |
| Provo-Orem, UT | 14 | $ 1,364,000 | $ 97,428 | $ 184,000 |
| Springfield, MO | 14 | $ 3,043,000 | $ 217,357 | $ 72,000 |
| Bakersfield, CA | 13 | $ 1,414,000 | $ 108,769 | $ 57,000 |
| Gary, IN | 13 | $ 1,197,000 | $ 92,076 | $ 63,000 |
| Lake County-Kenosha County, IL-WI | 13 | $ 1,499,000 | $ 115,307 | $ 84,000 |
| Stockton, CA | 13 | $ 2,982,000 | $ 229,384 | $ 83,000 |
| Boulder, CO | 12 | $ 3,766,000 | $ 313,833 | $ 105,000 |
| Brownsville-Harlingen, TX | 10 | $ 1,414,000 | $ 141,400 | $ 129,000 |
| Lansing-East Lansing, MI | 10 | $ 661,000 | $ 66,100 | $ 72,000 |
| Palm Bay-Melbourne-Titusville, FL | 10 | $ 1,112,000 | $ 111,200 | $ 82,000 |
| Cleveland-Elyria-Mentor, OH | 9 | $ 773,000 | $ 85,888 | $ 107,000 |
| Albuquerque, NM | 8 | $ 657,000 | $ 82,125 | $ 238,000 |
| El Paso, TX | 8 | $ 486,000 | $ 60,750 | $ 150,000 |
| Ocala, FL | 8 | $ 1,294,000 | $ 161,750 | $ 258,000 |
| Fort Collins-Loveland, CO | 7 | $ 1,399,000 | $ 199,857 | $ 0 |
| Killeen-Temple-Fort Hood, TX | 7 | $ 763,000 | $ 109,000 | $ 133,000 |
| McAllen-Edinburg-Mission, TX | 7 | $ 651,000 | $ 93,000 | $ 50,000 |
| Albany, GA | 6 | $ 407,000 | $ 67,833 | $ 56,000 |
| Bend, OR | 6 | $ 919,000 | $ 153,166 | $ 82,000 |
| Flint, MI | 6 | $ 624,000 | $ 104,000 | $ 64,000 |
| Grand Rapids-Wyoming, MI | 6 | $ 361,000 | $ 60,166 | $ 73,000 |
| Jackson, MI | 6 | $ 352,000 | $ 58,666 | $ 66,000 |
| Kankakee-Bradley, IL | 6 | $ 323,000 | $ 53,833 | $ 96,000 |
| Merced, CA | 6 | $ 1,134,000 | $ 189,000 | $ 46,000 |
| Salisbury, MD | 6 | $ 456,000 | $ 76,000 | $ 0 |
| Toledo, OH | 6 | $ 358,000 | $ 59,666 | $ 77,000 |
| Vallejo-Fairfield, CA | 6 | $ 1,473,000 | $ 245,500 | $ 292,000 |
| Worcester, MA | 6 | $ 910,000 | $ 151,666 | $ 24,000 |
| Hinesville-Fort Stewart, GA | 5 | $ 407,000 | $ 81,400 | $ 47,000 |
| Norwich-New London, CT | 5 | $ 1,197,000 | $ 239,400 | $ 106,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 5 | $ 1,209,000 | $ 241,800 | $ 173,000 |
| Punta Gorda, FL | 5 | $ 559,000 | $ 111,800 | $ 21,000 |
| San Francisco-San Mateo-Redwood City, CA | 5 | $ 2,210,000 | $ 442,000 | $ 155,000 |
| Santa Barbara-Santa Maria, CA | 5 | $ 2,466,000 | $ 493,200 | $ 280,000 |
| St. George, UT | 5 | $ 744,000 | $ 148,800 | $ 67,000 |
| Athens-Clarke County, GA | 4 | $ 401,000 | $ 100,250 | $ 34,000 |
| Bellingham, WA | 4 | $ 1,027,000 | $ 256,750 | $ 36,000 |
| Davenport-Moline-Rock Island, IA-IL | 4 | $ 214,000 | $ 53,500 | $ 114,000 |
| Dayton, OH | 4 | $ 214,000 | $ 53,500 | $ 90,000 |
| Kalamazoo-Portage, MI | 4 | $ 211,000 | $ 52,750 | $ 116,000 |
| Odessa, TX | 4 | $ 152,000 | $ 38,000 | $ 102,000 |
| Pensacola-Ferry Pass-Brent, FL | 4 | $ 388,000 | $ 97,000 | $ 253,000 |
| Pueblo, CO | 4 | $ 243,000 | $ 60,750 | $ 65,000 |
| Warner Robins, GA | 4 | $ 152,000 | $ 38,000 | $ 125,000 |
| Grand Junction, CO | 3 | $ 370,000 | $ 123,333 | $ 128,000 |
| Michigan City-La Porte, IN | 3 | $ 209,000 | $ 69,666 | $ 64,000 |
| Prescott, AZ | 3 | $ 235,000 | $ 78,333 | $ 28,000 |
| Providence-New Bedford-Fall River, RI-MA | 3 | $ 396,000 | $ 132,000 | $ 109,333 |
| Santa Rosa-Petaluma, CA | 3 | $ 1,333,000 | $ 444,333 | $ 252,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 112,000 | $ 56,000 | $ 144,000 |
| Barnstable Town, MA | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Bremerton-Silverdale, WA | 2 | $ 332,000 | $ 166,000 | $ 103,000 |
| Brunswick, GA | 2 | $ 738,000 | $ 369,000 | $ 151,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 531,000 | $ 265,500 | $ 107,000 |
| Chattanooga, TN-GA | 2 | $ 124,000 | $ 62,000 | $ 0 |
| College Station-Bryan, TX | 2 | $ 123,000 | $ 61,500 | $ 0 |
| Columbus, GA-AL | 2 | $ 80,000 | $ 40,000 | $ 89,000 |
| Duluth, MN-WI | 2 | $ 99,000 | $ 49,500 | $ 137,000 |
| Essex County, MA | 2 | $ 445,000 | $ 222,500 | $ 89,000 |
| Fort Walton Beach-Crestview-Destin, FL | 2 | $ 265,000 | $ 132,500 | $ 0 |
| Fort Wayne, IN | 2 | $ 117,000 | $ 58,500 | $ 51,000 |
| Gainesville, FL | 2 | $ 171,000 | $ 85,500 | $ 0 |
| Hanford-Corcoran, CA | 2 | $ 191,000 | $ 95,500 | $ 0 |
| Madera, CA | 2 | $ 380,000 | $ 190,000 | $ 0 |
| Napa, CA | 2 | $ 430,000 | $ 215,000 | $ 258,000 |
| Rochester, MN | 2 | $ 239,000 | $ 119,500 | $ 123,000 |
| Rockford, IL | 2 | $ 75,000 | $ 37,500 | $ 67,000 |
| Saginaw-Saginaw Township North, MI | 2 | $ 145,000 | $ 72,500 | $ 154,000 |
| Salem, OR | 2 | $ 180,000 | $ 90,000 | $ 144,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 1,610,000 | $ 805,000 | $ 262,000 |
| Spokane, WA | 2 | $ 169,000 | $ 84,500 | $ 46,000 |
| Springfield, IL | 2 | $ 103,000 | $ 51,500 | $ 61,000 |
| Tallahassee, FL | 2 | $ 76,000 | $ 38,000 | $ 67,000 |
| Valdosta, GA | 2 | $ 120,000 | $ 60,000 | $ 0 |
| Weirton-Steubenville, WV-OH | 2 | $ 119,000 | $ 59,500 | $ 0 |
| Yakima, WA | 2 | $ 105,000 | $ 52,500 | $ 85,000 |
| Chico, CA | 1 | $ 340,000 | $ 340,000 | $ 82,000 |
| Flagstaff, AZ | 1 | $ 232,000 | $ 232,000 | $ 67,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 320,000 | $ 320,000 | $ 132,000 |
| Medford, OR | 1 | $ 184,000 | $ 184,000 | $ 96,000 |
Mortgage Loan Application Detail Totals for Entrust Mortgage, Inc. in 2006
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 5,103 | $735,918,000 | $144,000 | $1,632,000 | $105,000 | $1,512,000 |
| Refinancing | 846 | $168,782,000 | $199,000 | $2,000,000 | $94,000 | $648,000 |
| Home Improvement | 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 |
|---|---|---|---|---|---|---|
| White | 2,154 | $345,544,000 | $160,000 | $2,000,000 | $111,000 | $1,512,000 |
| Black or African American | 1,926 | $244,676,000 | $127,000 | $1,575,000 | $96,000 | $726,000 |
| Hispanic | 915 | $157,394,000 | $172,000 | $1,632,000 | $95,000 | $804,000 |
| Not Provided | 680 | $105,878,000 | $155,000 | $1,015,000 | $108,000 | $804,000 |
| Asian | 236 | $45,704,000 | $193,000 | $1,188,000 | $114,000 | $1,200,000 |
| Native Hawaiian or Other Pacific Islander | 25 | $4,538,000 | $181,000 | $722,000 | $161,000 | $274,000 |
| American Indian or Alaskan Native | 13 | $966,000 | $74,000 | $186,000 | $77,000 | $121,000 |
| Not applicable | 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 5,943 | $903,502,000 | $152,000 | $2,000,000 | $104,000 | $1,512,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $1,134,000 | $226,000 | $760,000 | $75,000 | $226,000 |
| FHA-insured (Federal Housing Administration) | 1 | $64,000 | $64,000 | $64,000 | $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 | 2,470 | $339,995,000 | $137,000 | $1,043,000 | $91,000 | $744,000 |
| Application Approved But Not Accepted | 1,591 | $239,158,000 | $150,000 | $2,000,000 | $114,000 | $804,000 |
| Application Denied By Financial Institution | 1,553 | $261,268,000 | $168,000 | $1,575,000 | $113,000 | $1,512,000 |
| Application Withdrawn By Applicant | 324 | $63,365,000 | $195,000 | $1,632,000 | $107,000 | $612,000 |
| File Closed For Incompleteness | 7 | $586,000 | $83,000 | $196,000 | $79,000 | $183,000 |
| Preapproval Approved but not Accepted | 4 | $328,000 | $82,000 | $139,000 | $23,000 | $90,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Collateral | 340 | $53,166,000 | $156,000 | $1,125,000 | $108,000 | $726,000 |
| Credit History | 284 | $44,929,000 | $158,000 | $1,575,000 | $100,000 | $1,200,000 |
| Debt-To-Income Ratio | 279 | $43,458,000 | $155,000 | $1,015,000 | $112,000 | $600,000 |
| Other | 119 | $25,535,000 | $214,000 | $960,000 | $132,000 | $726,000 |
| Unverifiable Information | 100 | $19,738,000 | $197,000 | $940,000 | $120,000 | $1,512,000 |
| Employment History | 72 | $10,771,000 | $149,000 | $719,000 | $113,000 | $468,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 37 | $8,002,000 | $216,000 | $950,000 | $116,000 | $358,000 |
| Credit Application Incomplete | 11 | $2,143,000 | $194,000 | $900,000 | $115,000 | $340,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Entrust Mortgage, Inc.'s 2006 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 Entrust Mortgage, 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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