Enterprise Bank & Trust Mortgage Lending & HMDA Data, 2011
In 2011, Enterprise Bank & Trust of Clayton, MO reported 571 mortgage applications totaling $149.6 million, down 9% from 2010. The average application was for $261,956, and applicants reported an average income of $140,835. 75% of its applications resulted in an originated loan and 8% were denied. Its largest markets were St. Louis, MO-IL (358), Kansas City, MO-KS (135) and Phoenix-Mesa-Glendale, AZ (31) (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 | 571 |
| Total Mortgage Loan Application Amount | $149,577,000 |
| Average Mortgage Loan Application Amount | $261,956 |
| Highest Mortgage Loan Application Amount | $6,360,000 |
| Average Applicant Income | $140,835 |
| Highest Applicant Income | $2,092,000 |
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(HMDA) records Enterprise Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 204 | $ 68,497,000 | $ 335,769 | $ 168,000 |
| St. Charles, Missouri | 87 | $ 20,994,000 | $ 241,310 | $ 107,000 |
| Johnson, Kansas | 65 | $ 16,228,000 | $ 249,661 | $ 166,000 |
| Jackson, Missouri | 48 | $ 6,049,000 | $ 126,020 | $ 66,000 |
| St. Louis City, Missouri | 38 | $ 8,087,000 | $ 212,815 | $ 129,000 |
| Maricopa, Arizona | 30 | $ 5,657,000 | $ 188,566 | $ 86,000 |
| Camden, Missouri | 10 | $ 2,039,000 | $ 203,900 | $ 185,000 |
| Clay, Missouri | 9 | $ 1,393,000 | $ 154,777 | $ 90,000 |
| Jefferson, Missouri | 6 | $ 727,000 | $ 121,166 | $ 55,000 |
| Lincoln, Missouri | 6 | $ 963,000 | $ 160,500 | $ 65,000 |
| Platte, Missouri | 6 | $ 1,120,000 | $ 186,666 | $ 160,000 |
| Franklin, Missouri | 5 | $ 3,675,000 | $ 735,000 | $ 209,000 |
| St. Clair, Illinois | 4 | $ 940,000 | $ 235,000 | $ 110,000 |
| Clark, Nevada | 4 | $ 1,223,000 | $ 305,750 | $ 136,000 |
| Pima, Arizona | 3 | $ 910,000 | $ 303,333 | $ 330,000 |
| Monroe, Illinois | 3 | $ 495,000 | $ 165,000 | $ 333,000 |
| Leavenworth, Kansas | 3 | $ 674,000 | $ 224,666 | $ 82,000 |
| Warren, Missouri | 3 | $ 412,000 | $ 137,333 | $ 97,000 |
| Madison, Illinois | 2 | $ 549,000 | $ 274,500 | $ 135,000 |
| Sangamon, Illinois | 2 | $ 214,000 | $ 107,000 | $ 201,000 |
| Douglas, Kansas | 2 | $ 230,000 | $ 115,000 | $ 94,000 |
| Miami, Kansas | 2 | $ 435,000 | $ 217,500 | $ 80,000 |
| Morgan, Missouri | 2 | $ 425,000 | $ 212,500 | $ 334,000 |
| Franklin, Ohio | 2 | $ 734,000 | $ 367,000 | $ 192,000 |
| Pinal, Arizona | 1 | $ 64,000 | $ 64,000 | $ 71,000 |
| Yavapai, Arizona | 1 | $ 200,000 | $ 200,000 | $ 287,000 |
| Santa Barbara, California | 1 | $ 120,000 | $ 120,000 | $ 458,000 |
| Douglas, Colorado | 1 | $ 1,280,000 | $ 1,280,000 | $ 0 |
| Garfield, Colorado | 1 | $ 417,000 | $ 417,000 | $ 80,000 |
| Charlotte, Florida | 1 | $ 230,000 | $ 230,000 | $ 690,000 |
| Collier, Florida | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Lee, Florida | 1 | $ 200,000 | $ 200,000 | $ 300,000 |
| Nassau, Florida | 1 | $ 151,000 | $ 151,000 | $ 101,000 |
| Muscogee, Georgia | 1 | $ 224,000 | $ 224,000 | $ 327,000 |
| Franklin, Kansas | 1 | $ 86,000 | $ 86,000 | $ 79,000 |
| Wyandotte, Kansas | 1 | $ 148,000 | $ 148,000 | $ 69,000 |
| Cass, Minnesota | 1 | $ 1,500,000 | $ 1,500,000 | $ 605,000 |
| Benton, Missouri | 1 | $ 52,000 | $ 52,000 | $ 112,000 |
| Buchanan, Missouri | 1 | $ 75,000 | $ 75,000 | $ 32,000 |
| Cedar, Missouri | 1 | $ 299,000 | $ 299,000 | $ 313,000 |
| Greene, Missouri | 1 | $ 105,000 | $ 105,000 | $ 112,000 |
| Johnson, Missouri | 1 | $ 188,000 | $ 188,000 | $ 85,000 |
| Laclede, Missouri | 1 | $ 200,000 | $ 200,000 | $ 165,000 |
| Taney, Missouri | 1 | $ 417,000 | $ 417,000 | $ 375,000 |
Mortgage Loan Application Detail Totals for Enterprise Bank & Trust in 2011
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 | 367 | $98,778,000 | $269,000 | $2,400,000 | $155,000 | $2,092,000 |
| Home Purchase | 184 | $48,299,000 | $262,000 | $6,360,000 | $118,000 | $1,225,000 |
| Home Improvement | 20 | $2,500,000 | $125,000 | $400,000 | $91,000 | $236,000 |
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 | 475 | $122,904,000 | $258,000 | $2,100,000 | $167,000 | $2,092,000 |
| Not applicable | 86 | $23,700,000 | $275,000 | $6,360,000 | $0 | $0 |
| Asian | 4 | $667,000 | $166,000 | $394,000 | $81,000 | $300,000 |
| Hispanic | 4 | $1,604,000 | $401,000 | $730,000 | $33,000 | $134,000 |
| Black or African American | 2 | $702,000 | $351,000 | $379,000 | $273,000 | $547,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 556 | $147,365,000 | $265,000 | $6,360,000 | $142,000 | $2,092,000 |
| FHA-insured (Federal Housing Administration) | 15 | $2,212,000 | $147,000 | $262,000 | $83,000 | $763,000 |
| 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 | 426 | $103,823,000 | $243,000 | $6,360,000 | $149,000 | $2,092,000 |
| Application Withdrawn By Applicant | 86 | $31,706,000 | $368,000 | $2,100,000 | $139,000 | $1,000,000 |
| Application Denied By Financial Institution | 43 | $11,455,000 | $266,000 | $1,280,000 | $79,000 | $763,000 |
| Application Approved But Not Accepted | 11 | $2,142,000 | $194,000 | $352,000 | $108,000 | $320,000 |
| Preapproval Denied by Financial Institution | 5 | $451,000 | $90,000 | $130,000 | $44,000 | $104,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 2011 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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