Enterprise Bank & Trust Mortgage Lending & HMDA Data, 2006
In 2006, Enterprise Bank & Trust of Clayton, MO reported 449 mortgage applications totaling $128.2 million, down 24% from 2005. The average application was for $285,561, and applicants reported an average income of $130,565. 83% of its applications resulted in an originated loan and 5% were denied. Its largest markets were St. Louis, MO-IL (368), Kansas City, MO-KS (34) and Naples-Marco Island, FL (3) (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 | 449 |
| Total Mortgage Loan Application Amount | $128,217,000 |
| Average Mortgage Loan Application Amount | $285,561 |
| Highest Mortgage Loan Application Amount | $15,552,000 |
| Average Applicant Income | $130,565 |
| Highest Applicant Income | $2,300,000 |
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(HMDA) records Enterprise Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 202 | $ 57,344,000 | $ 283,881 | $ 118,000 |
| St. Charles, Missouri | 95 | $ 17,545,000 | $ 184,684 | $ 96,000 |
| St. Louis City, Missouri | 45 | $ 26,132,000 | $ 580,711 | $ 84,000 |
| Johnson, Kansas | 12 | $ 4,375,000 | $ 364,583 | $ 221,000 |
| Camden, Missouri | 12 | $ 1,828,000 | $ 152,333 | $ 296,000 |
| Jackson, Missouri | 11 | $ 2,133,000 | $ 193,909 | $ 175,000 |
| Jefferson, Missouri | 8 | $ 1,102,000 | $ 137,750 | $ 90,000 |
| Warren, Missouri | 5 | $ 1,119,000 | $ 223,800 | $ 161,000 |
| Williamson, Illinois | 4 | $ 292,000 | $ 73,000 | $ 240,000 |
| Clay, Missouri | 4 | $ 269,000 | $ 67,250 | $ 58,000 |
| Lincoln, Missouri | 4 | $ 1,007,000 | $ 251,750 | $ 48,000 |
| Collier, Florida | 3 | $ 1,915,000 | $ 638,333 | $ 150,000 |
| Phelps, Missouri | 3 | $ 399,000 | $ 133,000 | $ 69,000 |
| Platte, Missouri | 3 | $ 490,000 | $ 163,333 | $ 441,000 |
| Denver, Colorado | 2 | $ 800,000 | $ 400,000 | $ 747,000 |
| Madison, Illinois | 2 | $ 277,000 | $ 138,500 | $ 122,000 |
| Monroe, Illinois | 2 | $ 508,000 | $ 254,000 | $ 177,000 |
| Wyandotte, Kansas | 2 | $ 112,000 | $ 56,000 | $ 0 |
| Cass, Missouri | 2 | $ 2,740,000 | $ 1,370,000 | $ 0 |
| Franklin, Missouri | 2 | $ 717,000 | $ 358,500 | $ 361,000 |
| Washington, Missouri | 2 | $ 151,000 | $ 75,500 | $ 70,000 |
| Maricopa, Arizona | 1 | $ 466,000 | $ 466,000 | $ 99,000 |
| La Plata, Colorado | 1 | $ 186,000 | $ 186,000 | $ 32,000 |
| Summit, Colorado | 1 | $ 1,497,000 | $ 1,497,000 | $ 1,206,000 |
| Hartford, Connecticut | 1 | $ 280,000 | $ 280,000 | $ 94,000 |
| Lee, Florida | 1 | $ 597,000 | $ 597,000 | $ 800,000 |
| Miami-Dade, Florida | 1 | $ 1,200,000 | $ 1,200,000 | $ 1,395,000 |
| Orange, Florida | 1 | $ 175,000 | $ 175,000 | $ 305,000 |
| Calhoun, Illinois | 1 | $ 33,000 | $ 33,000 | $ 35,000 |
| Iowa, Iowa | 1 | $ 144,000 | $ 144,000 | $ 61,000 |
| Mills, Iowa | 1 | $ 65,000 | $ 65,000 | $ 30,000 |
| Hennepin, Minnesota | 1 | $ 60,000 | $ 60,000 | $ 175,000 |
| Cape Girardeau, Missouri | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Daviess, Missouri | 1 | $ 125,000 | $ 125,000 | $ 212,000 |
| Gasconade, Missouri | 1 | $ 99,000 | $ 99,000 | $ 33,000 |
| Pike, Missouri | 1 | $ 72,000 | $ 72,000 | $ 27,000 |
| Scott, Missouri | 1 | $ 60,000 | $ 60,000 | $ 75,000 |
| New York, New York | 1 | $ 500,000 | $ 500,000 | $ 532,000 |
| Bexar, Texas | 1 | $ 92,000 | $ 92,000 | $ 59,000 |
| Tarrant, Texas | 1 | $ 94,000 | $ 94,000 | $ 146,000 |
Mortgage Loan Application Detail Totals for Enterprise Bank & Trust in 2006
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 | 260 | $70,673,000 | $271,000 | $7,593,000 | $140,000 | $2,300,000 |
| Refinancing | 165 | $37,738,000 | $228,000 | $1,803,000 | $112,000 | $1,206,000 |
| Home Improvement | 24 | $19,806,000 | $825,000 | $15,552,000 | $156,000 | $877,000 |
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 | 321 | $75,667,000 | $235,000 | $3,500,000 | $170,000 | $2,300,000 |
| Not applicable | 96 | $43,057,000 | $448,000 | $15,552,000 | $0 | $0 |
| Not Provided | 21 | $7,361,000 | $350,000 | $1,465,000 | $119,000 | $332,000 |
| Black or African American | 5 | $798,000 | $159,000 | $317,000 | $154,000 | $338,000 |
| Asian | 4 | $741,000 | $185,000 | $498,000 | $171,000 | $528,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $593,000 | $296,000 | $405,000 | $95,000 | $137,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 449 | $128,217,000 | $285,000 | $15,552,000 | $130,000 | $2,300,000 |
| 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 | 372 | $80,388,000 | $216,000 | $3,060,000 | $131,000 | $2,300,000 |
| Application Approved But Not Accepted | 35 | $34,285,000 | $979,000 | $15,552,000 | $157,000 | $1,068,000 |
| Application Denied By Financial Institution | 21 | $6,276,000 | $298,000 | $1,465,000 | $116,000 | $340,000 |
| Application Withdrawn By Applicant | 16 | $6,151,000 | $384,000 | $1,803,000 | $80,000 | $329,000 |
| Preapproval Approved but not Accepted | 4 | $947,000 | $236,000 | $400,000 | $134,000 | $168,000 |
| Preapproval Denied by Financial Institution | 1 | $170,000 | $170,000 | $170,000 | $35,000 | $35,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 1 | $215,000 | $215,000 | $215,000 | $64,000 | $64,000 |
| Debt-To-Income Ratio | 1 | $75,000 | $75,000 | $75,000 | $68,000 | $68,000 |
| 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 2006 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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