Enterprise Bank & Trust Mortgage Rates, Fees & Info
Clayton, MOLEI: K0ZDN2CBIQC0EHBKNK35
Tax ID: 43-1472619
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Mortgage Data
Review & Overview
Enterprise Bank & Trust is a smaller bank specializing in Home Purchase and Refi loans. Enterprise Bank & Trust has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Kansas City, St. Louis, San Diego, Los Angeles, and Los Alamos among others. We have data for 23 markets. (Some data included below & more in-depth data is available with an active subscription.)Enterprise Bank & Trust has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
173Origination Dollar Volume (All Markets)
$145,955,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 25 | $45,035,000 | $1,801,400 | $0 | 0.00% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 86 | $29,830,000 | $346,860 | $0 | 0.00% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 2 | $23,060,000 | $11,530,000 | $0 | 0.00% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 4 | $9,070,000 | $2,267,500 | $0 | 0.00% |
| Los Alamos, NM (FHA|USDA|VA) | 16 | $8,230,000 | $514,375 | $0 | 0.00% |
| Warrensburg, MO (FHA|USDA|VA) | 1 | $7,605,000 | $7,605,000 | $0 | 0.00% |
| SANTA FE, NM (FHA|USDA|VA) | 11 | $6,065,000 | $551,364 | $0 | 0.00% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 2 | $4,010,000 | $2,005,000 | $0 | 0.00% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $3,105,000 | $3,105,000 | $0 | 0.00% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $2,405,000 | $2,405,000 | $0 | 0.00% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 5 | $1,835,000 | $367,000 | $0 | 0.00% |
| Española, NM (FHA|USDA|VA) | 2 | $1,350,000 | $675,000 | $0 | 0.00% |
| Outside of Metro Areas | 5 | $1,055,000 | $211,000 | $0 | 0.00% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $0 | 0.00% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $0 | 0.00% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $0 | 0.00% |
| LAWRENCE, KS (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $0 | 0.00% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 0.00% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 0.00% |
| Taos, NM (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $0 | 0.00% |
| Farmington, MO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 0.00% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against Enterprise Bank & Trust based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 167 | $144,865,000 | $867,455 | $0 | 0.00% |
| FHA | 5 | $955,000 | $191,000 | $0 | 0.00% |
| VA | 1 | $135,000 | $135,000 | $0 | 0.00% |
For 2024, Enterprise Bank & Trust's most frequently originated type of loan was Conventional, with 167 originations. Their 2nd most popular type was FHA, with 5 originations.
Loan Reason
For 2024, Enterprise Bank & Trust's most frequently cited loan purpose was Home Purchase, with 111 originations. The 2nd most popular reason was Refi, with 35 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 173 | $145,955,000 | $843,671 | $0 | 0.00% |
For 2024, Enterprise Bank & Trust's most frequently cited loan duration was Other, with 173 originations.
Loan Sizing
2024 saw Enterprise Bank & Trust place emphasis on $200k-400k loans with 51 originations, totaling $14,395,000 in origination value.
Applicant Income
Enterprise Bank & Trust lent most frequently to those with incomes in the $100k-150k range, with 24 originations. The second most popular income band? $150k-250k, with 19 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 173 | $145,955,000 | $843,671 | $0 | 0.00% |
Enterprise Bank & Trust lent most frequently to those with DTI ratios of Exempt%, with 173 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications81.18%
Enterprise Bank & Trust has a below average approval rate.
Pick Rate
Approvals leading to origination71.68%
Enterprise Bank & Trust has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 173 | $145,955,000 | $843,671 |