# Enterprise Bank and Trust Company

> **Canonical URL:** https://saferate.com/lenders/enterprise-bank-and-trust

> **📋 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

Enterprise Bank and Trust Company is a bank, headquartered in Lowell, MA, serving borrowers across 3 states, with 130 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 30% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 64% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493008ZK5SW6NTWB533
- **Headquarters:** Lowell, MA
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** MA, ME, NH
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 70/100
- Rating: ●●●●○ (4/5)

### Pull Through: Acceptable 🙂
- Score: 36/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.179%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,061
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 130
- **Dollar Volume:** $75 million
- **Applications Received:** 183
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $579,769
- **Average Borrower Income:** $267,123

## Safe Rate Awards 🏆

- ⭐ **Jumbo Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 40/100 | 107 | -0.157% | $1,093 | Sound ☺️ |
| Jumbo | 67/100 | 23 | -0.288% | $900 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 92 loans, Score: 41/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 43/100 | 111 | $63M | -0.180% | Sound ☺️ |
| Refinance | 32/100 | 19 | $13M | -0.172% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MA | 76 | 0.13% | 66/100 |
| NH | 50 | 0.32% | 67/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Cambridge | MA | 51 | 66/100 |
| Manchester | NH | 30 | 67/100 |
| Rockingham County | NH | 12 | 49/100 |
| Worcester, MA | MA | 11 | 47/100 |
| Non |  | 11 | 26/100 |

## Frequently Asked Questions

### What loan types does Enterprise Bank and Trust Company offer?

Enterprise Bank and Trust Company offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Enterprise Bank and Trust Company offer mortgages?

Enterprise Bank and Trust Company offers mortgages in 3 states: MA, ME, NH.

### How competitive are Enterprise Bank and Trust Company's mortgage rates?

Enterprise Bank and Trust Company has a pricing score of 70/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.179% below market average.

### What type of lender is Enterprise Bank and Trust Company?

Enterprise Bank and Trust Company is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Lowell, MA.

### What is Enterprise Bank and Trust Company's loan approval success rate?

Enterprise Bank and Trust Company has a pull-through score of 36/100 (Acceptable). 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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/enterprise-bank-and-trust

### How to Cite

> "Enterprise Bank and Trust Company Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/enterprise-bank-and-trust

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