Enterprise Bank & Trust Mortgage Lending & HMDA Data, 2008
In 2008, Enterprise Bank & Trust of Clayton, MO reported 443 mortgage applications totaling $141.4 million, down 20% from 2007. The average application was for $319,130, and applicants reported an average income of $118,702. 79% of its applications resulted in an originated loan and 6% were denied. Its largest markets were St. Louis, MO-IL (332), Kansas City, MO-KS (63) and Phoenix-Mesa-Scottsdale, AZ (4) (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 | 443 |
| Total Mortgage Loan Application Amount | $141,375,000 |
| Average Mortgage Loan Application Amount | $319,130 |
| Highest Mortgage Loan Application Amount | $10,600,000 |
| Average Applicant Income | $118,702 |
| Highest Applicant Income | $6,000,000 |
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(HMDA) records Enterprise Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 226 | $ 54,953,000 | $ 243,154 | $ 95,000 |
| St. Charles, Missouri | 60 | $ 11,997,000 | $ 199,950 | $ 78,000 |
| Johnson, Kansas | 29 | $ 15,069,000 | $ 519,620 | $ 277,000 |
| St. Louis City, Missouri | 27 | $ 5,985,000 | $ 221,666 | $ 32,000 |
| Jackson, Missouri | 22 | $ 2,300,000 | $ 104,545 | $ 59,000 |
| Camden, Missouri | 6 | $ 4,972,000 | $ 828,666 | $ 231,000 |
| Franklin, Missouri | 6 | $ 5,302,000 | $ 883,666 | $ 293,000 |
| Lincoln, Missouri | 5 | $ 1,141,000 | $ 228,200 | $ 140,000 |
| Platte, Missouri | 5 | $ 773,000 | $ 154,600 | $ 135,000 |
| Maricopa, Arizona | 4 | $ 5,165,000 | $ 1,291,250 | $ 0 |
| Warren, Missouri | 3 | $ 879,000 | $ 293,000 | $ 145,000 |
| Pima, Arizona | 2 | $ 2,678,000 | $ 1,339,000 | $ 0 |
| Lee, Florida | 2 | $ 350,000 | $ 175,000 | $ 135,000 |
| Cook, Illinois | 2 | $ 388,000 | $ 194,000 | $ 49,000 |
| Monroe, Illinois | 2 | $ 362,000 | $ 181,000 | $ 230,000 |
| Wyandotte, Kansas | 2 | $ 1,575,000 | $ 787,500 | $ 76,000 |
| Boone, Missouri | 2 | $ 311,000 | $ 155,500 | $ 196,000 |
| Clay, Missouri | 2 | $ 327,000 | $ 163,500 | $ 127,000 |
| Jefferson, Missouri | 2 | $ 505,000 | $ 252,500 | $ 92,000 |
| Perry, Missouri | 2 | $ 577,000 | $ 288,500 | $ 353,000 |
| Santa Barbara, California | 1 | $ 700,000 | $ 700,000 | $ 0 |
| Chaffee, Colorado | 1 | $ 150,000 | $ 150,000 | $ 738,000 |
| Summit, Colorado | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Collier, Florida | 1 | $ 3,150,000 | $ 3,150,000 | $ 6,000,000 |
| Miami-Dade, Florida | 1 | $ 175,000 | $ 175,000 | $ 70,000 |
| Fulton, Georgia | 1 | $ 200,000 | $ 200,000 | $ 144,000 |
| Jersey, Illinois | 1 | $ 156,000 | $ 156,000 | $ 69,000 |
| Monroe, Indiana | 1 | $ 6,815,000 | $ 6,815,000 | $ 0 |
| Vanderburgh, Indiana | 1 | $ 10,600,000 | $ 10,600,000 | $ 0 |
| Douglas, Kansas | 1 | $ 88,000 | $ 88,000 | $ 46,000 |
| Leavenworth, Kansas | 1 | $ 189,000 | $ 189,000 | $ 70,000 |
| Miami, Kansas | 1 | $ 299,000 | $ 299,000 | $ 90,000 |
| Sedgwick, Kansas | 1 | $ 63,000 | $ 63,000 | $ 26,000 |
| Trigg, Kentucky | 1 | $ 42,000 | $ 42,000 | $ 49,000 |
| Plymouth, Massachusetts | 1 | $ 250,000 | $ 250,000 | $ 68,000 |
| Benton, Missouri | 1 | $ 162,000 | $ 162,000 | $ 294,000 |
| Cass, Missouri | 1 | $ 196,000 | $ 196,000 | $ 75,000 |
| Phelps, Missouri | 1 | $ 220,000 | $ 220,000 | $ 0 |
| Stone, Missouri | 1 | $ 216,000 | $ 216,000 | $ 372,000 |
| Hertford, North Carolina | 1 | $ 92,000 | $ 92,000 | $ 19,000 |
| Rutherford, Tennessee | 1 | $ 130,000 | $ 130,000 | $ 100,000 |
| Guadalupe, Texas | 1 | $ 236,000 | $ 236,000 | $ 83,000 |
Mortgage Loan Application Detail Totals for Enterprise Bank & Trust in 2008
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 | 225 | $73,519,000 | $326,000 | $6,815,000 | $139,000 | $6,000,000 |
| Refinancing | 204 | $65,246,000 | $319,000 | $10,600,000 | $100,000 | $1,888,000 |
| Home Improvement | 14 | $2,610,000 | $186,000 | $1,148,000 | $65,000 | $240,000 |
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 | 290 | $86,241,000 | $297,000 | $3,150,000 | $177,000 | $6,000,000 |
| Not applicable | 132 | $51,666,000 | $391,000 | $10,600,000 | $0 | $0 |
| Not Provided | 11 | $2,249,000 | $204,000 | $281,000 | $44,000 | $230,000 |
| Black or African American | 6 | $928,000 | $154,000 | $400,000 | $99,000 | $275,000 |
| Asian | 2 | $106,000 | $53,000 | $60,000 | $73,000 | $73,000 |
| Hispanic | 1 | $116,000 | $116,000 | $116,000 | $51,000 | $51,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $69,000 | $69,000 | $69,000 | $16,000 | $16,000 |
| American Indian or Alaskan Native | 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) | 425 | $138,858,000 | $326,000 | $10,600,000 | $120,000 | $6,000,000 |
| FHA-insured (Federal Housing Administration) | 16 | $2,071,000 | $129,000 | $195,000 | $68,000 | $263,000 |
| VA-guaranteed (Veterans Administration) | 2 | $446,000 | $223,000 | $225,000 | $171,000 | $174,000 |
| 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 | 350 | $106,076,000 | $303,000 | $10,600,000 | $124,000 | $6,000,000 |
| Application Withdrawn By Applicant | 48 | $17,025,000 | $354,000 | $2,160,000 | $126,000 | $900,000 |
| Application Denied By Financial Institution | 26 | $6,352,000 | $244,000 | $935,000 | $78,000 | $257,000 |
| Application Approved But Not Accepted | 9 | $10,535,000 | $1,170,000 | $6,815,000 | $82,000 | $409,000 |
| Preapproval Denied by Financial Institution | 8 | $1,109,000 | $138,000 | $200,000 | $58,000 | $89,000 |
| Preapproval Approved but not Accepted | 2 | $278,000 | $139,000 | $143,000 | $49,000 | $56,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Enterprise Bank & Trust's 2008 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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