Enterprise Bank & Trust Mortgage Lending & HMDA Data, 2010
In 2010, Enterprise Bank & Trust of Clayton, MO reported 628 mortgage applications totaling $178.8 million, up 61% from 2009. The average application was for $284,762, and applicants reported an average income of $137,245. 76% of its applications resulted in an originated loan and 9% were denied. Its largest markets were St. Louis, MO-IL (450), Kansas City, MO-KS (116) and Phoenix-Mesa-Glendale, AZ (22) (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 | 628 |
| Total Mortgage Loan Application Amount | $178,831,000 |
| Average Mortgage Loan Application Amount | $284,762 |
| Highest Mortgage Loan Application Amount | $8,900,000 |
| Average Applicant Income | $137,245 |
| Highest Applicant Income | $5,000,000 |
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(HMDA) records Enterprise Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 258 | $ 88,820,000 | $ 344,263 | $ 175,000 |
| St. Charles, Missouri | 127 | $ 22,900,000 | $ 180,314 | $ 94,000 |
| Johnson, Kansas | 78 | $ 20,156,000 | $ 258,410 | $ 113,000 |
| St. Louis City, Missouri | 34 | $ 5,947,000 | $ 174,911 | $ 68,000 |
| Maricopa, Arizona | 21 | $ 6,771,000 | $ 322,428 | $ 233,000 |
| Jackson, Missouri | 17 | $ 2,299,000 | $ 135,235 | $ 124,000 |
| Clay, Missouri | 16 | $ 2,027,000 | $ 126,687 | $ 67,000 |
| Jefferson, Missouri | 12 | $ 1,790,000 | $ 149,166 | $ 60,000 |
| Lincoln, Missouri | 8 | $ 1,366,000 | $ 170,750 | $ 85,000 |
| Camden, Missouri | 5 | $ 695,000 | $ 139,000 | $ 243,000 |
| Franklin, Missouri | 5 | $ 2,618,000 | $ 523,600 | $ 188,000 |
| Boone, Missouri | 4 | $ 9,316,000 | $ 2,329,000 | $ 173,000 |
| Greene, Missouri | 3 | $ 298,000 | $ 99,333 | $ 137,000 |
| Morgan, Missouri | 3 | $ 818,000 | $ 272,666 | $ 305,000 |
| Platte, Missouri | 3 | $ 748,000 | $ 249,333 | $ 153,000 |
| St. Francois, Missouri | 3 | $ 264,000 | $ 88,000 | $ 0 |
| Warren, Missouri | 3 | $ 969,000 | $ 323,000 | $ 136,000 |
| Collier, Florida | 2 | $ 746,000 | $ 373,000 | $ 318,000 |
| Madison, Illinois | 2 | $ 195,000 | $ 97,500 | $ 58,000 |
| Cape Girardeau, Missouri | 2 | $ 239,000 | $ 119,500 | $ 19,000 |
| Cass, Missouri | 2 | $ 4,260,000 | $ 2,130,000 | $ 37,000 |
| Pinal, Arizona | 1 | $ 618,000 | $ 618,000 | $ 202,000 |
| Benton, Arkansas | 1 | $ 158,000 | $ 158,000 | $ 223,000 |
| Fulton, Georgia | 1 | $ 417,000 | $ 417,000 | $ 120,000 |
| St. Clair, Illinois | 1 | $ 194,000 | $ 194,000 | $ 470,000 |
| Douglas, Kansas | 1 | $ 152,000 | $ 152,000 | $ 200,000 |
| Allegan, Michigan | 1 | $ 890,000 | $ 890,000 | $ 164,000 |
| Benzie, Michigan | 1 | $ 584,000 | $ 584,000 | $ 0 |
| Ste. Genevieve, Missouri | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Madison, Montana | 1 | $ 591,000 | $ 591,000 | $ 600,000 |
| Douglas, Nebraska | 1 | $ 97,000 | $ 97,000 | $ 31,000 |
| Delaware, Oklahoma | 1 | $ 306,000 | $ 306,000 | $ 295,000 |
Mortgage Loan Application Detail Totals for Enterprise Bank & Trust in 2010
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 | 432 | $125,443,000 | $290,000 | $8,900,000 | $144,000 | $5,000,000 |
| Home Purchase | 182 | $51,129,000 | $280,000 | $5,271,000 | $123,000 | $1,880,000 |
| Home Improvement | 14 | $2,259,000 | $161,000 | $397,000 | $114,000 | $253,000 |
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 | 546 | $132,029,000 | $241,000 | $2,000,000 | $138,000 | $1,880,000 |
| Not applicable | 56 | $35,357,000 | $631,000 | $8,900,000 | $0 | $0 |
| Asian | 15 | $2,776,000 | $185,000 | $400,000 | $134,000 | $392,000 |
| Hispanic | 6 | $3,898,000 | $649,000 | $2,000,000 | $1,107,000 | $5,000,000 |
| Black or African American | 4 | $4,555,000 | $1,138,000 | $1,605,000 | $583,000 | $630,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $216,000 | $216,000 | $216,000 | $145,000 | $145,000 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 615 | $177,160,000 | $288,000 | $8,900,000 | $140,000 | $5,000,000 |
| FHA-insured (Federal Housing Administration) | 13 | $1,671,000 | $128,000 | $225,000 | $20,000 | $82,000 |
| 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 | 475 | $106,131,000 | $223,000 | $4,200,000 | $132,000 | $1,880,000 |
| Application Withdrawn By Applicant | 82 | $46,058,000 | $561,000 | $8,900,000 | $148,000 | $1,816,000 |
| Application Denied By Financial Institution | 54 | $13,480,000 | $249,000 | $1,440,000 | $169,000 | $5,000,000 |
| Application Approved But Not Accepted | 6 | $9,511,000 | $1,585,000 | $5,271,000 | $49,000 | $161,000 |
| Preapproval Denied by Financial Institution | 6 | $1,187,000 | $197,000 | $333,000 | $50,000 | $179,000 |
| Preapproval Approved but not Accepted | 3 | $264,000 | $88,000 | $120,000 | $43,000 | $51,000 |
| Loan Purchased By The Institution | 2 | $2,200,000 | $1,100,000 | $1,800,000 | $797,000 | $1,252,000 |
| 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 | 1 | $94,000 | $94,000 | $94,000 | $120,000 | $120,000 |
| Debt-To-Income Ratio | 1 | $292,000 | $292,000 | $292,000 | $86,000 | $86,000 |
| Mortgage Insurance Denied | 1 | $315,000 | $315,000 | $315,000 | $296,000 | $296,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 |
| 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 2010 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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