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E
ENT Credit Union
Credit Union|Colorado Springs, CO|Single State
Loans Originated
1,664
Applications
2,597
Volume
$755 million
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Jumbo Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.206%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,678
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
64.1%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 20.60 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Report Card
ENT Credit Union performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Single State · 7 metro areas · 1 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$454,044
Average Borrower Income
$167,090
Average Property Value
$614,898
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Exceptional | Strong | Strong | 1,161 | 69.8% | -0.155% | $1,655 |
FHA Loans | Strong | Strong | Exceptional | Strong | 171 | 10.3% | -0.001% | $1,594 |
VA Loans | Strong | Strong | Strong | Strong | 216 | 13.0% | -0.650% | $2,265 |
Jumbo Loans | Strong | Exceptional | Strong | Strong | 116 | 7.0% | -0.392% | $1,223 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Strong | Strong | 1,366 | 82.1% | -0.222% | $1,694 |
Refinance | Strong | Strong | Strong | Sound | 298 | 17.9% | -0.136% | $1,605 |
Geographic Coverage
Metro Areas
6
States Served
1
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
CO
Top Metro Areas by Place Specialization Score
1
Colorado Springs, CO, COMSA
Volume: 928Mix: 55.77%
Place Specialization
Exceptional
2
Pueblo, CO, COMSA
Volume: 164Mix: 9.86%
Place Specialization
Exceptional
3
Denver, COMSA
Volume: 366Mix: 22.00%
Place Specialization
Exceptional
4
Fort Collins, COMSA
Volume: 77Mix: 4.63%
Place Specialization
Strong
5
Greeley, CO, COMSA
Volume: 47Mix: 2.82%
Place Specialization
Strong
6
Boulder, CO, COMSA
Volume: 16Mix: 0.96%
Place Specialization
Sound
Top States by Place Specialization Score
1
COState
Volume: 1,664Mix: 100.00%
Place Specialization
Exceptional
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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