Get & compare mortgage quotes anonymously Start in My Home
EBT

Enterprise Bank and Trust Company

BankLowell, MAHQDirectReviews near you on Google

Enterprise Bank and Trust Company has 130 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Sound
3/5
Regional · 4 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Jumbo Superstar
Jumbo
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 17.90 basis points below market average
  • Lower than average lender fees

Things to Think About

  • Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Enterprise Bank and Trust Company performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 17.9 bps below market avg
4/5
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
2/5
By Loan Product· Specialization by type
Conventional
107 loans · 0.16% below market
Sound
Top 60% of lenders
3/5
Jumbo
23 loans · 0.29% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
111 loans · 0.18% below market
Sound
Top 60% of lenders
3/5
Refinance
19 loans · 0.17% below market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Regional · 5 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Sound
Volume107
Mix82.3%
Spread
-0.157%Below
Fees
$1,093Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume23
Mix17.7%
Spread
-0.288%Below
Fees
$900Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Sound
Volume111
Mix85.4%
Spread
-0.180%Below
Fees
$1,070Fees
Refinance
Overall
Sound
Product
Acceptable
Pricing
Strong
Pull Through
Acceptable
Volume19
Mix14.6%
Spread
-0.172%Below
Fees
$1,006Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
130
Applications
183
Volume
$75 million
Pricing & Closing
Avg Rate Spread
-0.179%
vs. market APOR
Avg Net Fees
$1,061
Origination − Credits
Pullthrough Rate
71.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$579,769
Avg Borrower Income
$267,123
Avg Property Value
$830,692

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
3
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

3Full-year 2024 · HMDA
3 states with loan originations
Loans originated
< 5050+None
Northeast3
MEMANH

Top Metro Areas by Place Specialization Score

Volume 30Mix 23.08% of portfolio
67/100
Strong
Volume 51Mix 39.23% of portfolio
66/100
Strong
3© John Phelan · CC BY-SA 3.0
Rockingham County, NHMetro
Volume 12Mix 9.23% of portfolio
49/100
Sound
Volume 11Mix 8.46% of portfolio
47/100
Sound

Top States by Place Specialization Score

New Hampshire
New Hampshire
1
New HampshireState
Volume 50Mix 38.46% of portfolio
67/100
Strong
Massachusetts
Massachusetts
2
MassachusettsState
Volume 76Mix 58.46% of portfolio
66/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

Are you the owner of Enterprise Bank and Trust Company?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile
The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.