Enterprise Bank & Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
16th22.4% deniedProcesswithdrawn + incomplete share, weight 15%
43rd13.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 385 | 247 | 15.3% | 17.9% | 6.88% | $153M |
| 2024 | 287 | 173 | 18.8% | 21.5% | — | $146M |
| 2025 | 292 | 186 | 19.5% | 22.4% | — | $106M |
What Enterprise Bank & Trust lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 118 investment properties.
Who gets approved at Enterprise Bank & Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 25 | 4 | 79.0% |
| $50k – $100k | 57 | 25 | 44.7% |
| $100k – $150k | 30 | 22 | 18.5% |
| $150k – $250k | 31 | 24 | 6.9% |
| Over $250k | 34 | 25 | 7.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 38 | 19 | 35.5% |
| 35–44 | 38 | 21 | 26.7% |
| 45–54 | 53 | 36 | 20.0% |
| 55–64 | 25 | 15 | 34.8% |
| 65–74 | 24 | 16 | 10.0% |
Where Enterprise Bank & Trust lends
11 states and 38 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Missouri | 163 | 111 | 19.6% | — | #210 |
| New Mexico | 52 | 34 | 15.4% | — | #150 |
| Kansas | 41 | 17 | 34.2% | — | #243 |
| California | 19 | 13 | 0.0% | — | #655 |
| Arizona | 8 | 5 | 25.0% | — | #539 |
Frequently asked questions
Enterprise Bank & Trust denied 22.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 16th percentile of small mortgage lenders.
In 2025, 59% of its applications were for home purchases, 26% for refinancing (including cash-out), and 15% for home improvement or other purposes. By loan type: 94% conventional, 5% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.