Enterprise Bank & Trust Mortgage Lending & HMDA Data, 2003
In 2003, Enterprise Bank & Trust of Clayton, MO reported 617 mortgage applications totaling $120.4 million. The average application was for $195,106, and applicants reported an average income of $132,623. 91% of its applications resulted in an originated loan and 1% were denied. Its largest markets were St. Louis, MO-IL (562), Naples, FL (3) and Seattle-Bellevue-Everett, WA (2) (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 | 617 |
| Total Mortgage Loan Application Amount | $120,381,000 |
| Average Mortgage Loan Application Amount | $195,106 |
| Highest Mortgage Loan Application Amount | $2,350,000 |
| Average Applicant Income | $132,623 |
| Highest Applicant Income | $2,148,000 |
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(HMDA) records Enterprise Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 314 | $ 68,099,000 | $ 216,875 | $ 137,000 |
| St. Charles, Missouri | 182 | $ 28,854,000 | $ 158,538 | $ 88,000 |
| St. Louis City, Missouri | 31 | $ 6,080,000 | $ 196,129 | $ 78,000 |
| Jefferson, Missouri | 11 | $ 1,578,000 | $ 143,454 | $ 99,000 |
| Warren, Missouri | 9 | $ 1,621,000 | $ 180,111 | $ 159,000 |
| Lincoln, Missouri | 8 | $ 1,066,000 | $ 133,250 | $ 77,000 |
| Neosho, Kansas | 7 | $ 305,000 | $ 43,571 | $ 51,000 |
| Franklin, Missouri | 7 | $ 1,129,000 | $ 161,285 | $ 104,000 |
| Camden, Missouri | 6 | $ 1,715,000 | $ 285,833 | $ 352,000 |
| Madison, Illinois | 5 | $ 588,000 | $ 117,600 | $ 106,000 |
| Collier, Florida | 3 | $ 483,000 | $ 161,000 | $ 318,000 |
| St. Clair, Illinois | 3 | $ 333,000 | $ 111,000 | $ 105,000 |
| Johnson, Kansas | 3 | $ 639,000 | $ 213,000 | $ 203,000 |
| Morgan, Missouri | 3 | $ 635,000 | $ 211,666 | $ 88,000 |
| Palm Beach, Florida | 2 | $ 721,000 | $ 360,500 | $ 468,000 |
| King, Washington | 2 | $ 481,000 | $ 240,500 | $ 160,000 |
| Maricopa, Arizona | 1 | $ 116,000 | $ 116,000 | $ 639,000 |
| Denver, Colorado | 1 | $ 500,000 | $ 500,000 | $ 189,000 |
| Eagle, Colorado | 1 | $ 304,000 | $ 304,000 | $ 219,000 |
| Alachua, Florida | 1 | $ 140,000 | $ 140,000 | $ 211,000 |
| Escambia, Florida | 1 | $ 322,000 | $ 322,000 | $ 409,000 |
| Lee, Florida | 1 | $ 100,000 | $ 100,000 | $ 184,000 |
| St. Lucie, Florida | 1 | $ 178,000 | $ 178,000 | $ 153,000 |
| Blaine, Idaho | 1 | $ 183,000 | $ 183,000 | $ 489,000 |
| Calhoun, Illinois | 1 | $ 270,000 | $ 270,000 | $ 59,000 |
| Monroe, Illinois | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Will, Illinois | 1 | $ 150,000 | $ 150,000 | $ 113,000 |
| Woodson, Kansas | 1 | $ 45,000 | $ 45,000 | $ 48,000 |
| Oakland, Michigan | 1 | $ 274,000 | $ 274,000 | $ 89,000 |
| Crawford, Missouri | 1 | $ 248,000 | $ 248,000 | $ 1,301,000 |
| Gasconade, Missouri | 1 | $ 47,000 | $ 47,000 | $ 70,000 |
| Jackson, Missouri | 1 | $ 64,000 | $ 64,000 | $ 0 |
| Miller, Missouri | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Clark, Nevada | 1 | $ 134,000 | $ 134,000 | $ 579,000 |
| Mecklenburg, North Carolina | 1 | $ 234,000 | $ 234,000 | $ 73,000 |
| Philadelphia, Pennsylvania | 1 | $ 190,000 | $ 190,000 | $ 67,000 |
| Summit, Utah | 1 | $ 2,200,000 | $ 2,200,000 | $ 0 |
Mortgage Loan Application Detail Totals for Enterprise Bank & Trust in 2003
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 |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 489 | $91,104,000 | $371,400 | $2,200,000 | $203,400 | $2,148,000 |
| Home Purchase (one-to-four family) | 116 | $26,175,000 | $222,285 | $2,350,000 | $216,285 | $1,795,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 10 | $2,892,000 | $289,000 | $571,000 | $0 | $0 |
| Home Improvement (one-to-four family) | 2 | $210,000 | $105,000 | $200,000 | $199,000 | $326,000 |
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 | 567 | $107,496,000 | $199,500 | $2,350,000 | $250,916 | $2,148,000 |
| Not applicable | 24 | $6,272,000 | $859,333 | $2,200,000 | $0 | $0 |
| Information not provided by applicant in mail or telephone application | 10 | $3,372,000 | $278,000 | $666,000 | $131,000 | $343,000 |
| Black | 8 | $1,545,000 | $158,000 | $480,000 | $81,500 | $232,000 |
| Asian or Pacific Islander | 5 | $859,000 | $174,500 | $294,000 | $118,500 | $180,000 |
| American Indian or Alaskan Native | 1 | $461,000 | $461,000 | $461,000 | $0 | $0 |
| Hispanic | 1 | $200,000 | $200,000 | $200,000 | $81,000 | $81,000 |
| Other | 1 | $176,000 | $176,000 | $176,000 | $209,000 | $209,000 |
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) | 617 | $120,381,000 | $354,000 | $2,350,000 | $225,538 | $2,148,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 562 | $105,515,000 | $210,000 | $2,350,000 | $253,666 | $2,148,000 |
| Application Approved But Not Accepted | 25 | $7,218,000 | $1,204,500 | $2,200,000 | $57,000 | $311,000 |
| Application Withdrawn By Applicant | 23 | $6,374,000 | $191,500 | $634,000 | $106,500 | $452,000 |
| Application Denied By Financial Institution | 7 | $1,274,000 | $165,000 | $720,000 | $87,000 | $350,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Credit History | 4 | $399,000 | $99,500 | $205,000 | $37,500 | $57,000 |
| Debt-To-Income Ratio | 2 | $155,000 | $77,500 | $110,000 | $33,500 | $45,000 |
| 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 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Enterprise Bank & Trust's 2003 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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