Enterprise Bank and Trust in Massachusetts vs the state
2.5%Denial rate-13.74 pts vs state
3.0%Decision denial rate-16.92 pts vs state
77.2%Origination rate+14.56 pts vs state
6.69%Median rate+0.07 pts vs state
-0.01Rate spread (pts)-0.10 pts vs state
$166kMedian applicant income
125Loans originated
4Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 327 | 252 | 2.5% | 6.59% | #110 |
| 2024 | 312 | 242 | 5.1% | 6.63% | #108 |
| 2025 | 162 | 125 | 2.5% | 6.69% | #188 |
What Enterprise Bank and Trust lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Enterprise Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 88 | 70 | 3 | 3.4% |
| Essex County | 42 | 29 | 1 | 2.4% |
| Worcester County | 13 | 10 | 0 | 0.0% |
| Suffolk County | 7 | 5 | 0 | 0.0% |
| Norfolk County | 4 | 4 | 0 | 0.0% |
| Plymouth County | 4 | 4 | 0 | 0.0% |
| Bristol County | 2 | 2 | 0 | 0.0% |
| Barnstable County | 1 | 1 | 0 | 0.0% |
Other large lenders in Massachusetts
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 17,476 | 29.0% | 7.40% |
| Rocket Mortgage | C | 8,698 | 15.9% | 6.75% |
| Bank of America | F | 7,784 | 30.1% | 5.99% |
| Guaranteed Rate | B | 7,313 | 4.5% | 6.50% |
| Eastern Bank | B | 6,216 | 31.8% | 6.99% |
| Rockland Trust | C | 5,990 | 28.6% | 6.99% |
| Leader Bank | A | 5,913 | 1.8% | 6.25% |
| United Shore Financial Services | B | 5,898 | 12.8% | 6.50% |
| Crosscountry Mortgage | B | 5,634 | 3.8% | 6.63% |
| TD Bank | D | 3,778 | 26.9% | 7.44% |
Frequently asked questions
Massachusetts: 162 applications in 2025, of which 125 were originated and 4 denied.
2.5% of all applications, or 3.0% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Enterprise Bank and Trust originated in Massachusetts in 2025 was 6.69%, against a statewide median of 6.63%.
About this data. Figures are Enterprise Bank and Trust's own HMDA filing for properties located in Massachusetts, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology