Enterprise Bank & Trust mortgage approval rate & lending review
Enterprise Bank & Trust decided 557 mortgage applications and funded 388 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Enterprise Bank & Trust reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Enterprise Bank & Trust at a glance
Approval is 3.2 points below the 80.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 79% | 128 / 162 | 95% | $255K | 122 |
| Home improvement loans | 51% | 31 / 61 | 74% | $35K | 23 |
| Refinance | 62% | 25 / 40 | 100% | $275K | 25 |
| Investment property purchase | 86% | 147 / 171 | 90% | $165K | 132 |
| Investment refinance | 83% | 53 / 64 | 83% | $405K | 44 |
| Investment home improvement | 73% | 22 / 30 | 95% | $185K | 21 |
Enterprise Bank & Trust lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Missouri | 79% | $165K | 330 | 234 |
| Kansas | 56% | $265K | 94 | 48 |
| New Mexico | 84% | $355K | 68 | 51 |
| California | 92% | $2.33M | 24 | 21 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Enterprise Bank & Trust lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| St. Louis County, MO | Investment property purchase | 84% | 45 | 34 |
| St. Louis city, MO | Investment property purchase | 84% | 45 | 34 |
| Jefferson County, MO | Investment property purchase | 92% | 26 | 21 |
| Santa Fe County, NM | Mortgage lenders | 90% | 20 | 16 |
| Jefferson County, MO | Home improvement loans | 50% | 20 | 9 |
The county markets where Enterprise Bank & Trust made the most loans. Each link opens that market with every lender ranked.
Questions about Enterprise Bank & Trust
What is Enterprise Bank & Trust's mortgage approval rate?
Enterprise Bank & Trust approved 76.8% of the 557 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.2 points below the 80.0% national rate for the same mix of loan types.
How often do borrowers take the loan Enterprise Bank & Trust offers?
Borrowers accepted 91% of the loans Enterprise Bank & Trust approved, against 95% for all investment property mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Enterprise Bank & Trust make?
The typical investment property mortgage loan Enterprise Bank & Trust made was $165K; across all loan types its typical loan ran from $35K to $405K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Enterprise Bank & Trust lend?
Enterprise Bank & Trust decided applications in 15 of the states Fat Boy Data covers, most of them in Missouri, Kansas and New Mexico.
Can I apply to Enterprise Bank & Trust directly?
Yes. Enterprise Bank & Trust is a bank or credit union with 57 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Enterprise Bank & Trust's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Enterprise Bank & Trust treats applications, then get a rate quote from the lender.