# ENT Credit Union

> **Canonical URL:** https://saferate.com/lenders/ent-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


ENT Credit Union is a credit union, headquartered in Colorado Springs, CO, with 1,664 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 26% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 28% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 6GK3WNTSHBNJOVP1LV97
- **Headquarters:** Colorado Springs, CO
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** CO
- **Markets (MSAs):** 7
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 74/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 72/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.206%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,678
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,664
- **Dollar Volume:** $756 million
- **Applications Received:** 2,597
- **Market Share:** 5.00%

## Typical Borrower Profile

- **Average Loan Amount:** $454,044
- **Average Borrower Income:** $167,090
- **Average Property Value:** $614,898

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (77%)
- ⭐ **FHA Gold Superstar** (78%)
- ⭐ **VA Gold Superstar** (70%)
- ⭐ **Jumbo Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 80/100 | 1,161 | -0.155% | $1,655 | Exceptional 🤩 |
| FHA | 73/100 | 171 | -0.001% | $1,594 | Strong 😀 |
| VA | 78/100 | 216 | -0.650% | $2,265 | Strong 😀 |
| Jumbo | 83/100 | 116 | -0.392% | $1,223 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 947 loans, Score: 80/100 (Strong)
- Refinance: 214 loans, Score: 77/100 (Strong)

**FHA:**
- Purchase: 140 loans, Score: 71/100 (Strong)
- Refinance: 31 loans, Score: 74/100 (Strong)

**VA:**
- Purchase: 183 loans, Score: 77/100 (Strong)
- Refinance: 33 loans, Score: 77/100 (Strong)

**Jumbo:**
- Purchase: 96 loans, Score: 83/100 (Exceptional)
- Refinance: 20 loans, Score: 78/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 79/100 | 1,366 | $638M | -0.222% | Strong 😀 |
| Refinance | 78/100 | 298 | $117M | -0.136% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CO | 1,664 | 1.99% | 93/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Colorado Springs, CO | CO | 928 | 100/100 |
| Denver | CO | 366 | 80/100 |
| Pueblo, CO | CO | 164 | 92/100 |
| Fort Collins | CO | 77 | 74/100 |
| Non |  | 66 | 42/100 |
| Greeley, CO | CO | 47 | 65/100 |
| Boulder, CO | CO | 16 | 47/100 |

## Where This Lender Ranks

ENT Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Colorado
  - [View Full Rankings](https://saferate.com/colorado/best-mortgage-lenders)
- 🥇 **#1** in Colorado Credit Unions
  - [View Full Rankings](https://saferate.com/colorado/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Colorado for Conventional Loans
  - [View Full Rankings](https://saferate.com/colorado/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Colorado for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/colorado/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Colorado for FHA Loans
  - [View Full Rankings](https://saferate.com/colorado/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Colorado for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/colorado/best-mortgage-lenders/credit-unions/va-loans)
- 🥇 **#1** in Colorado for Jumbo Loans
  - [View Full Rankings](https://saferate.com/colorado/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Colorado for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/colorado/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥇 **#1** in Colorado Springs, CO
  - [View Full Rankings](https://saferate.com/colorado-springs-co/best-mortgage-lenders)
- 🥇 **#1** in Colorado Springs, CO for Conventional Loans
  - [View Full Rankings](https://saferate.com/colorado-springs-co/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Colorado Springs, CO for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/colorado-springs-co/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Colorado Springs, CO for FHA Loans
  - [View Full Rankings](https://saferate.com/colorado-springs-co/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Colorado Springs, CO for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/colorado-springs-co/best-mortgage-lenders/credit-unions/va-loans)
- 🥇 **#1** in Colorado Springs, CO for Jumbo Loans
  - [View Full Rankings](https://saferate.com/colorado-springs-co/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Colorado Springs, CO for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/colorado-springs-co/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥇 **#1** in Denver
  - [View Full Rankings](https://saferate.com/denver/best-mortgage-lenders)
- 🥇 **#1** in Denver Credit Unions
  - [View Full Rankings](https://saferate.com/denver/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Denver for Conventional Loans
  - [View Full Rankings](https://saferate.com/denver/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Denver for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/denver/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Denver for FHA Loans
  - [View Full Rankings](https://saferate.com/denver/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

### What loan types does ENT Credit Union offer?

ENT Credit Union offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does ENT Credit Union offer mortgages?

ENT Credit Union offers mortgages in 1 states: CO.

### How competitive are ENT Credit Union's mortgage rates?

ENT Credit Union has a pricing score of 74/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.206% below market average.

### What type of lender is ENT Credit Union?

ENT Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Colorado Springs, CO.

### What is ENT Credit Union's loan approval success rate?

ENT Credit Union has a pull-through score of 72/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/ent-credit-union

### How to Cite

> "ENT Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/ent-credit-union

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