Enterprise Bank & Trust Mortgage Lending & HMDA Data, 2013
In 2013, Enterprise Bank & Trust of Clayton, MO reported 633 mortgage applications totaling $162.2 million, down 6% from 2012. The average application was for $256,199, and applicants reported an average income of $152,609. 73% of its applications resulted in an originated loan and 8% were denied. Its largest markets were St. Louis, MO-IL (390), Kansas City, MO-KS (117) and Phoenix-Mesa-Glendale, AZ (14) (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 | 633 |
| Total Mortgage Loan Application Amount | $162,174,000 |
| Average Mortgage Loan Application Amount | $256,199 |
| Highest Mortgage Loan Application Amount | $3,500,000 |
| Average Applicant Income | $152,609 |
| Highest Applicant Income | $4,418,000 |
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(HMDA) records Enterprise Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 230 | $ 61,394,000 | $ 266,930 | $ 179,000 |
| Johnson, Kansas | 83 | $ 17,521,000 | $ 211,096 | $ 86,000 |
| St. Charles, Missouri | 78 | $ 15,984,000 | $ 204,923 | $ 125,000 |
| St. Louis City, Missouri | 51 | $ 11,087,000 | $ 217,392 | $ 149,000 |
| Jefferson, Missouri | 16 | $ 2,385,000 | $ 149,062 | $ 70,000 |
| Maricopa, Arizona | 14 | $ 9,969,000 | $ 712,071 | $ 609,000 |
| Cape Girardeau, Missouri | 12 | $ 1,436,000 | $ 119,666 | $ 41,000 |
| Greene, Missouri | 11 | $ 1,217,000 | $ 110,636 | $ 54,000 |
| Jackson, Missouri | 10 | $ 1,343,000 | $ 134,300 | $ 75,000 |
| Platte, Missouri | 10 | $ 3,149,000 | $ 314,900 | $ 125,000 |
| Camden, Missouri | 7 | $ 1,446,000 | $ 206,571 | $ 184,000 |
| Scott, Missouri | 7 | $ 657,000 | $ 93,857 | $ 43,000 |
| Stone, Missouri | 7 | $ 893,000 | $ 127,571 | $ 106,000 |
| Taney, Missouri | 6 | $ 1,105,000 | $ 184,166 | $ 112,000 |
| Clay, Missouri | 5 | $ 522,000 | $ 104,400 | $ 62,000 |
| Lee, Florida | 4 | $ 1,882,000 | $ 470,500 | $ 327,000 |
| Miami, Kansas | 4 | $ 938,000 | $ 234,500 | $ 286,000 |
| Franklin, Missouri | 4 | $ 1,906,000 | $ 476,500 | $ 218,000 |
| Sedgwick, Kansas | 3 | $ 5,201,000 | $ 1,733,666 | $ 41,000 |
| Shawnee, Kansas | 3 | $ 3,073,000 | $ 1,024,333 | $ 36,000 |
| Wyandotte, Kansas | 3 | $ 111,000 | $ 37,000 | $ 55,000 |
| Morgan, Missouri | 3 | $ 603,000 | $ 201,000 | $ 122,000 |
| Warren, Missouri | 3 | $ 798,000 | $ 266,000 | $ 100,000 |
| San Diego, California | 2 | $ 2,548,000 | $ 1,274,000 | $ 674,000 |
| Denver, Colorado | 2 | $ 503,000 | $ 251,500 | $ 160,000 |
| Summit, Colorado | 2 | $ 789,000 | $ 394,500 | $ 84,000 |
| Charlotte, Florida | 2 | $ 462,000 | $ 231,000 | $ 653,000 |
| Cook, Illinois | 2 | $ 454,000 | $ 227,000 | $ 68,000 |
| Madison, Illinois | 2 | $ 333,000 | $ 166,500 | $ 162,000 |
| St. Clair, Illinois | 2 | $ 269,000 | $ 134,500 | $ 134,000 |
| Benzie, Michigan | 2 | $ 2,152,000 | $ 1,076,000 | $ 745,000 |
| Christian, Missouri | 2 | $ 331,000 | $ 165,500 | $ 82,000 |
| Lincoln, Missouri | 2 | $ 720,000 | $ 360,000 | $ 160,000 |
| Perry, Missouri | 2 | $ 302,000 | $ 151,000 | $ 288,000 |
| Bexar, Texas | 2 | $ 670,000 | $ 335,000 | $ 125,000 |
| Arapahoe, Colorado | 1 | $ 253,000 | $ 253,000 | $ 101,000 |
| St. Johns, Florida | 1 | $ 86,000 | $ 86,000 | $ 112,000 |
| Fulton, Georgia | 1 | $ 500,000 | $ 500,000 | $ 504,000 |
| DuPage, Illinois | 1 | $ 417,000 | $ 417,000 | $ 220,000 |
| Monroe, Illinois | 1 | $ 143,000 | $ 143,000 | $ 81,000 |
| Randolph, Illinois | 1 | $ 75,000 | $ 75,000 | $ 73,000 |
| Will, Illinois | 1 | $ 93,000 | $ 93,000 | $ 177,000 |
| Franklin, Kansas | 1 | $ 90,000 | $ 90,000 | $ 55,000 |
| Republic, Kansas | 1 | $ 78,000 | $ 78,000 | $ 155,000 |
| Muskegon, Michigan | 1 | $ 140,000 | $ 140,000 | $ 251,000 |
| Barry, Missouri | 1 | $ 85,000 | $ 85,000 | $ 30,000 |
| Bollinger, Missouri | 1 | $ 54,000 | $ 54,000 | $ 61,000 |
| Boone, Missouri | 1 | $ 54,000 | $ 54,000 | $ 105,000 |
| Cass, Missouri | 1 | $ 85,000 | $ 85,000 | $ 45,000 |
| Hickory, Missouri | 1 | $ 60,000 | $ 60,000 | $ 24,000 |
| Lawrence, Missouri | 1 | $ 42,000 | $ 42,000 | $ 31,000 |
| Montgomery, Missouri | 1 | $ 81,000 | $ 81,000 | $ 53,000 |
| New Madrid, Missouri | 1 | $ 102,000 | $ 102,000 | $ 68,000 |
| Ripley, Missouri | 1 | $ 70,000 | $ 70,000 | $ 26,000 |
| Ste. Genevieve, Missouri | 1 | $ 230,000 | $ 230,000 | $ 146,000 |
| Stoddard, Missouri | 1 | $ 54,000 | $ 54,000 | $ 21,000 |
| Washington, Missouri | 1 | $ 157,000 | $ 157,000 | $ 708,000 |
| Hamilton, Ohio | 1 | $ 608,000 | $ 608,000 | $ 224,000 |
| Warren, Ohio | 1 | $ 399,000 | $ 399,000 | $ 159,000 |
| Allegheny, Pennsylvania | 1 | $ 221,000 | $ 221,000 | $ 90,000 |
| Dallas, Texas | 1 | $ 3,000,000 | $ 3,000,000 | $ 0 |
| Travis, Texas | 1 | $ 197,000 | $ 197,000 | $ 74,000 |
| Milwaukee, Wisconsin | 1 | $ 133,000 | $ 133,000 | $ 64,000 |
Mortgage Loan Application Detail Totals for Enterprise Bank & Trust in 2013
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 | 355 | $103,047,000 | $290,000 | $3,500,000 | $177,000 | $4,418,000 |
| Home Purchase | 263 | $58,094,000 | $220,000 | $3,000,000 | $124,000 | $1,973,000 |
| Home Improvement | 15 | $1,033,000 | $68,000 | $308,000 | $77,000 | $178,000 |
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 | 543 | $134,053,000 | $246,000 | $2,600,000 | $170,000 | $4,418,000 |
| Not applicable | 49 | $20,797,000 | $424,000 | $3,500,000 | $0 | $0 |
| Asian | 14 | $3,537,000 | $252,000 | $1,011,000 | $117,000 | $532,000 |
| Black or African American | 13 | $1,354,000 | $104,000 | $258,000 | $92,000 | $319,000 |
| Hispanic | 9 | $1,589,000 | $176,000 | $406,000 | $95,000 | $253,000 |
| Not Provided | 3 | $548,000 | $182,000 | $240,000 | $42,000 | $100,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $296,000 | $148,000 | $184,000 | $337,000 | $630,000 |
| 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) | 589 | $157,482,000 | $267,000 | $3,500,000 | $161,000 | $4,418,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $2,003,000 | $100,000 | $146,000 | $38,000 | $68,000 |
| FHA-insured (Federal Housing Administration) | 17 | $1,763,000 | $103,000 | $222,000 | $35,000 | $77,000 |
| VA-guaranteed (Veterans Administration) | 7 | $926,000 | $132,000 | $250,000 | $60,000 | $80,000 |
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 | 460 | $112,312,000 | $244,000 | $3,500,000 | $145,000 | $4,418,000 |
| Application Withdrawn By Applicant | 102 | $32,669,000 | $320,000 | $1,765,000 | $174,000 | $1,650,000 |
| Application Denied By Financial Institution | 49 | $12,038,000 | $245,000 | $1,682,000 | $175,000 | $2,368,000 |
| Application Approved But Not Accepted | 14 | $4,306,000 | $307,000 | $1,000,000 | $232,000 | $1,541,000 |
| Preapproval Denied by Financial Institution | 7 | $514,000 | $73,000 | $222,000 | $37,000 | $77,000 |
| File Closed For Incompleteness | 1 | $335,000 | $335,000 | $335,000 | $120,000 | $120,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 2013 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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