Ent Credit Union Mortgage Rates, Fees & Info
Colorado Springs, COLEI: 6GK3WNTSHBNJOVP1LV97
Tax ID: 84-0470451
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Mortgage Data
Review & Overview
Ent Credit Union is a small credit union specializing in Home Improvement and Home Purchase loans. Ent Credit Union has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Colorado Springs, Denver, Pueblo, Fort Collins, and Greeley among others. We have data for 18 markets. (Some data included below & more in-depth data is available with an active subscription.)Ent Credit Union has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Ent Credit Union is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 5.96% | 4/28/24 |
| 30 Year Conventional Purchase | 5.99% | 4/28/24 |
| 30 Year Conventional Refi | 6.24% | 4/28/24 |
| 30 Year Cash-out Refi | 6.44% | 4/28/24 |
| 30 Year FHA Purchase | 6.78% | 4/28/24 |
| 30 Year FHA Refi | 6.44% | 4/28/24 |
| 30 Year VA Purchase | 5.76% | 4/28/24 |
| 30 Year VA Refi | 5.78% | 4/28/24 |
| 15 Year Conventional Purchase | 5.54% | 4/28/24 |
| 15 Year Conventional Refi | 5.65% | 4/28/24 |
| 15 Year Cash-out Refi | 5.65% | 4/28/24 |
| 15 Year VA Purchase | 5.52% | 4/28/24 |
| 15 Year VA Refi | 5.85% | 4/28/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Ent Credit Union Mortgage Calculator
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This is not an official calculator from Ent Credit Union. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
13,949Origination Dollar Volume (All Markets)
$2,452,555,000Awards
Ent Credit Union - 2022
Ent Credit Union is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 8,174 | $1,416,760,000 | $173,325 | $4,238 | 5.12% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 3,222 | $605,670,000 | $187,980 | $4,114 | 5.25% |
| PUEBLO, CO (FHA|USDA|VA) | 1,119 | $153,745,000 | $137,395 | $3,777 | 5.20% |
| FORT COLLINS, CO (FHA|USDA|VA) | 444 | $77,080,000 | $173,604 | $4,420 | 5.26% |
| GREELEY, CO (FHA|USDA|VA) | 385 | $60,755,000 | $157,805 | $4,241 | 5.54% |
| BOULDER, CO (FHA|USDA|VA) | 151 | $34,305,000 | $227,185 | $3,989 | 5.15% |
| Outside of Metro Areas | 180 | $32,630,000 | $181,278 | $3,673 | 5.22% |
| Cañon City, CO (FHA|USDA|VA) | 175 | $24,305,000 | $138,886 | $3,380 | 5.27% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $14,005,000 | $14,005,000 | $0 | 3.38% |
| Breckenridge, CO (FHA|USDA|VA) | 28 | $13,170,000 | $470,357 | $4,870 | 4.34% |
| SALEM, OR (FHA|USDA|VA) | 1 | $5,615,000 | $5,615,000 | $0 | 4.13% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 20 | $4,260,000 | $213,000 | $3,272 | 5.07% |
| Edwards, CO (FHA|USDA|VA) | 10 | $3,390,000 | $339,000 | $10,532 | 4.17% |
| Montrose, CO (FHA|USDA|VA) | 13 | $2,945,000 | $226,538 | $2,686 | 4.69% |
| Steamboat Springs, CO (FHA|USDA|VA) | 8 | $1,130,000 | $141,250 | $0 | 5.40% |
| Durango, CO (FHA|USDA|VA) | 5 | $1,105,000 | $221,000 | $5,695 | 4.64% |
| Glenwood Springs, CO (FHA|USDA|VA) | 6 | $1,010,000 | $168,333 | $0 | 4.66% |
| Fort Morgan, CO (FHA|USDA|VA) | 7 | $675,000 | $96,429 | $2,401 | 5.74% |
Similar Lenders
We use machine learning to identify the top lenders compared against Ent Credit Union based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2022, Ent Credit Union's most frequently originated type of loan was HELOC, with 10,877 originations. Their 2nd most popular type was Conventional, with 2,608 originations.
Loan Reason
For 2022, Ent Credit Union's most frequently cited loan purpose was Home Improvement, with 5,709 originations. The 2nd most popular reason was Other, with 3,625 originations.
Loan Duration/Length
For 2022, Ent Credit Union's most frequently cited loan duration was 20 Year, with 9,396 originations. The 2nd most popular length was 30 Year, with 2,616 originations.
Origination Fees/Closing Costs
Ent Credit Union's average total fees were $4,446, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,758 originations.
Interest Rates
During 2022, Ent Credit Union's average interest rate for loans was 4.25%, while their most frequently originated rate bucket for loans was 4-5%, with 3,708 originations.
Loan Sizing
2022 saw Ent Credit Union place emphasis on $100,000 or less loans with 6,042 originations, totaling $325,990,000 in origination value.
Applicant Income
Ent Credit Union lent most frequently to those with incomes in the $100k-150k range, with 3,803 originations. The second most popular income band? $150k-250k, with 3,417 originations.
Applicant Debt to Income Ratio
Ent Credit Union lent most frequently to those with DTI ratios of 20-30%, with 2,861 originations. The next most common DTI ratio? 30-36%, with 2,290 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications86.74%
Ent Credit Union has an average approval rate.
Pick Rate
Approvals leading to origination80.49%
Ent Credit Union has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 13,949 | $2,452,555,000 | $175,823 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 13,949 | $2,452,555,000 | $175,823 |