Enterprise Bank & Trust Mortgage Lending & HMDA Data, 2025
In 2025, Enterprise Bank & Trust of Clayton, MO reported 292 mortgage applications totaling $168.2 million, up 2% from 2024. The average application was for $576,027, and applicants reported an average income of $208,133. 64% of its applications resulted in an originated loan and 20% were denied. Its largest markets were St. Louis, MO-IL (150), Kansas City, MO-KS (50) and Santa Fe, NM (20) (applications in parentheses).
| Mortgage Company & Address | Enterprise Bank & Trust 150 N. Meramec Ave. Clayton, MO 63105 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 292 |
| Total Mortgage Loan Application Amount | $168,200,000 |
| Average Mortgage Loan Application Amount | $576,027 |
| Highest Mortgage Loan Application Amount | $13,005,000 |
| Average Applicant Income | $208,133 |
| Highest Applicant Income | $6,350,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Enterprise Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| St. Louis, Missouri | 55 | $ 23,225,000 | $ 422,272 | $ 395,000 |
| Jefferson, Missouri | 46 | $ 9,050,000 | $ 196,739 | $ 120,000 |
| St. Louis City, Missouri | 29 | $ 7,615,000 | $ 262,586 | $ 333,000 |
| Johnson, Kansas | 23 | $ 6,595,000 | $ 286,739 | $ 70,000 |
| Los Alamos, New Mexico | 22 | $ 10,610,000 | $ 482,272 | $ 198,000 |
| Santa Fe, New Mexico | 20 | $ 7,820,000 | $ 391,000 | $ 199,000 |
| Wyandotte, Kansas | 16 | $ 2,550,000 | $ 159,375 | $ 73,000 |
| St. Charles, Missouri | 11 | $ 5,015,000 | $ 455,909 | $ 122,000 |
| Los Angeles, California | 9 | $ 32,495,000 | $ 3,610,555 | $ 0 |
| Bernalillo, New Mexico | 7 | $ 2,645,000 | $ 377,857 | $ 227,000 |
| Maricopa, Arizona | 6 | $ 2,280,000 | $ 380,000 | $ 185,000 |
| San Diego, California | 5 | $ 20,245,000 | $ 4,049,000 | $ 0 |
| Franklin, Missouri | 5 | $ 985,000 | $ 197,000 | $ 104,000 |
| Jackson, Missouri | 5 | $ 8,125,000 | $ 1,625,000 | $ 231,000 |
| Orange, California | 3 | $ 4,465,000 | $ 1,488,333 | $ 0 |
| Clay, Missouri | 3 | $ 785,000 | $ 261,666 | $ 98,000 |
| Fresno, California | 2 | $ 14,010,000 | $ 7,005,000 | $ 0 |
| Larimer, Colorado | 2 | $ 680,000 | $ 340,000 | $ 177,000 |
| St. Clair, Illinois | 2 | $ 790,000 | $ 395,000 | $ 191,000 |
| Cass, Missouri | 2 | $ 1,590,000 | $ 795,000 | $ 412,000 |
| Warren, Missouri | 2 | $ 280,000 | $ 140,000 | $ 43,000 |
| Pima, Arizona | 1 | $ 805,000 | $ 805,000 | $ 0 |
| Pinal, Arizona | 1 | $ 425,000 | $ 425,000 | $ 886,000 |
| Douglas, Kansas | 1 | $ 115,000 | $ 115,000 | $ 70,000 |
| Riley, Kansas | 1 | $ 275,000 | $ 275,000 | $ 311,000 |
| Boone, Missouri | 1 | $ 185,000 | $ 185,000 | $ 64,000 |
| Perry, Missouri | 1 | $ 45,000 | $ 45,000 | $ 138,000 |
| Platte, Missouri | 1 | $ 75,000 | $ 75,000 | $ 237,000 |
| Ste. Genevieve, Missouri | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Washington, Missouri | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Otoe, Nebraska | 1 | $ 105,000 | $ 105,000 | $ 36,000 |
| Clark, Nevada | 1 | $ 755,000 | $ 755,000 | $ 0 |
| Rio Arriba, New Mexico | 1 | $ 635,000 | $ 635,000 | $ 0 |
| Sandoval, New Mexico | 1 | $ 185,000 | $ 185,000 | $ 277,000 |
| Taos, New Mexico | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Brown, South Dakota | 1 | $ 1,005,000 | $ 1,005,000 | $ 424,000 |
| Harris, Texas | 1 | $ 245,000 | $ 245,000 | $ 222,000 |
| Travis, Texas | 1 | $ 765,000 | $ 765,000 | $ 347,000 |
Mortgage Loan Application Detail Totals for Enterprise Bank & Trust in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 173 | $72,425,000 | $418,000 | $6,805,000 | $253,000 | $6,350,000 |
| Refinancing | 56 | $78,330,000 | $1,398,000 | $13,005,000 | $167,000 | $571,000 |
| Home Improvement | 28 | $10,340,000 | $369,000 | $3,705,000 | $120,000 | $293,000 |
| Cash-out Refinancing | 19 | $5,095,000 | $268,000 | $755,000 | $146,000 | $371,000 |
| Other Purpose | 16 | $2,010,000 | $125,000 | $355,000 | $95,000 | $376,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 135 | $43,525,000 | $322,000 | $4,605,000 | $244,000 | $6,350,000 |
| Not applicable | 88 | $104,780,000 | $1,190,000 | $13,005,000 | $0 | $0 |
| Hispanic | 44 | $11,820,000 | $268,000 | $905,000 | $127,000 | $604,000 |
| Black or African American | 11 | $2,345,000 | $213,000 | $405,000 | $88,000 | $329,000 |
| Not Provided | 9 | $4,075,000 | $452,000 | $1,005,000 | $141,000 | $273,000 |
| Asian | 3 | $1,175,000 | $391,000 | $445,000 | $332,000 | $332,000 |
| American Indian or Alaskan Native | 2 | $480,000 | $240,000 | $395,000 | $82,000 | $141,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 274 | $164,420,000 | $600,000 | $13,005,000 | $217,000 | $6,350,000 |
| FHA-insured (Federal Housing Administration) | 16 | $3,130,000 | $195,000 | $305,000 | $67,000 | $105,000 |
| VA-guaranteed (Veterans Administration) | 2 | $650,000 | $325,000 | $445,000 | $85,000 | $88,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 186 | $105,960,000 | $569,000 | $13,005,000 | $263,000 | $6,350,000 |
| Application Denied By Financial Institution | 57 | $15,355,000 | $269,000 | $2,505,000 | $107,000 | $1,349,000 |
| Application Withdrawn By Applicant | 25 | $26,025,000 | $1,041,000 | $10,005,000 | $186,000 | $604,000 |
| File Closed For Incompleteness | 13 | $2,325,000 | $178,000 | $435,000 | $79,000 | $138,000 |
| Application Approved But Not Accepted | 11 | $18,535,000 | $1,685,000 | $7,155,000 | $165,000 | $198,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 292 | $168,200,000 | $576,000 | $13,005,000 | $202,000 | $6,350,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Enterprise Bank & Trust's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Enterprise Bank & Trust's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Missouri, download the full spreadsheet
with aggregated HMDA statistics today.
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