Applications / Mortgage Analytics / Lenders / California / Ennkar
Orange, CA · Non-bank or government lender · CFPB · 148 loans in 2025
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148
loans originated, 2025
245
applications, 2025
12
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Ennkar is a refinance lender built on government-backed loans: 97.3% of its 148 loans in 2025 replaced an existing mortgage, and most were insured by the Federal Housing Administration (FHA).
Refinances made up 97.3% of its loans and purchases 0.7%. FHA loans were 70.9%, where similar lenders, non-bank lenders making between half and twice as many loans, typically make none. That makes it a specialist in moving existing borrowers into new loans.
Its FHA share fell from 96.5% in 2024, and conventional loans rose to 29.1% from 3.5%. Its typical rate, 6.38%, was lower than at about three in four similar lenders, whose typical rate was 6.66%.
It first reported in 2022, with 821 loans. That fell to 199 the next year and to 148 in 2025, down 13% on the year while the whole market grew 10%. With almost no purchase lending, its volume rests on refinancing alone.
Of its loans, 51.3% went to majority-minority neighborhoods, against 38.7% at similar lenders, a higher share than at about three in four of them. Its largest markets are in California, from Los Angeles-Long Beach-Anaheim to San Jose. In 2025 it entered Flagstaff, Harrisburg-Carlisle and Eagle Pass.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2022–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Ennkar took 245 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 97.3% · Other 1.4% · Home improvement 0.7% · Purchase 0.7%
FHA 70.9% · Conventional 29.1% · of 148 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 80 | 54.1% |
| Florida | 19 | 12.8% |
| Texas | 9 | 6.1% |
| Colorado | 7 | 4.7% |
| North Carolina | 7 | 4.7% |
| Washington | 6 | 4.1% |
| Arizona | 5 | 3.4% |
| Hawaii | 5 | 3.4% |
| Pennsylvania | 5 | 3.4% |
| Illinois | 2 | 1.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 19 |
| Riverside-San Bernardino-Ontario | 14 |
| Anaheim-Santa Ana-Irvine | 12 |
| San Jose-Sunnyvale-Santa Clara | 9 |
| San Diego-Chula Vista-Carlsbad | 7 |
| Orlando-Kissimmee-Sanford | 5 |
| Phoenix-Mesa-Chandler | 4 |
| Denver-Aurora-Centennial | 3 |
| Fort Lauderdale-Pompano Beach-Sunrise | 3 |
| Houston-Pasadena-The Woodlands | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300UTE20103B0T339 | 2022–2025 |
Established 31 August 2010. Reported under HMDA 2022-2025.
Mergers, name changes, data editions and corrections: Ennkar's data.
Ennkar's data
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Ennkar and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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