Enterprise Bank & Trust Mortgage Lending & HMDA Data, 2014
In 2014, Enterprise Bank & Trust of Clayton, MO reported 803 mortgage applications totaling $201.1 million, up 27% from 2013. The average application was for $250,478, and applicants reported an average income of $112,658. 66% of its applications resulted in an originated loan and 12% were denied. Its largest markets were St. Louis, MO-IL (447), Kansas City, MO-KS (244) and Springfield, MO (24) (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 | 803 |
| Total Mortgage Loan Application Amount | $201,134,000 |
| Average Mortgage Loan Application Amount | $250,478 |
| Highest Mortgage Loan Application Amount | $12,025,000 |
| Average Applicant Income | $112,658 |
| Highest Applicant Income | $2,039,000 |
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(HMDA) records Enterprise Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 254 | $ 78,748,000 | $ 310,031 | $ 148,000 |
| Johnson, Kansas | 117 | $ 30,487,000 | $ 260,572 | $ 98,000 |
| St. Charles, Missouri | 76 | $ 15,260,000 | $ 200,789 | $ 108,000 |
| St. Louis City, Missouri | 52 | $ 15,032,000 | $ 289,076 | $ 140,000 |
| Wyandotte, Kansas | 46 | $ 2,910,000 | $ 63,260 | $ 32,000 |
| Jackson, Missouri | 44 | $ 8,321,000 | $ 189,113 | $ 58,000 |
| St. Clair, Illinois | 19 | $ 2,566,000 | $ 135,052 | $ 68,000 |
| Clay, Missouri | 18 | $ 1,980,000 | $ 110,000 | $ 55,000 |
| Jefferson, Missouri | 17 | $ 3,099,000 | $ 182,294 | $ 72,000 |
| Madison, Illinois | 16 | $ 3,578,000 | $ 223,625 | $ 97,000 |
| Greene, Missouri | 15 | $ 1,662,000 | $ 110,800 | $ 64,000 |
| Maricopa, Arizona | 10 | $ 10,734,000 | $ 1,073,400 | $ 338,000 |
| Christian, Missouri | 8 | $ 2,431,000 | $ 303,875 | $ 100,000 |
| Cape Girardeau, Missouri | 7 | $ 851,000 | $ 121,571 | $ 42,000 |
| Cass, Missouri | 6 | $ 750,000 | $ 125,000 | $ 71,000 |
| Taney, Missouri | 6 | $ 522,000 | $ 87,000 | $ 63,000 |
| Miami, Kansas | 5 | $ 1,939,000 | $ 387,800 | $ 212,000 |
| Bollinger, Missouri | 5 | $ 497,000 | $ 99,400 | $ 43,000 |
| Lincoln, Missouri | 5 | $ 760,000 | $ 152,000 | $ 125,000 |
| Franklin, Missouri | 4 | $ 686,000 | $ 171,500 | $ 64,000 |
| Scott, Missouri | 4 | $ 337,000 | $ 84,250 | $ 44,000 |
| Platte, Missouri | 3 | $ 420,000 | $ 140,000 | $ 89,000 |
| Stone, Missouri | 3 | $ 401,000 | $ 133,666 | $ 72,000 |
| Summit, Colorado | 2 | $ 1,124,000 | $ 562,000 | $ 338,000 |
| Collier, Florida | 2 | $ 2,049,000 | $ 1,024,500 | $ 91,000 |
| Franklin, Kansas | 2 | $ 127,000 | $ 63,500 | $ 139,000 |
| Leavenworth, Kansas | 2 | $ 421,000 | $ 210,500 | $ 100,000 |
| Sedgwick, Kansas | 2 | $ 287,000 | $ 143,500 | $ 101,000 |
| Buchanan, Missouri | 2 | $ 164,000 | $ 82,000 | $ 45,000 |
| Cedar, Missouri | 2 | $ 470,000 | $ 235,000 | $ 368,000 |
| Lafayette, Missouri | 2 | $ 257,000 | $ 128,500 | $ 51,000 |
| St. Francois, Missouri | 2 | $ 195,000 | $ 97,500 | $ 0 |
| Warren, Missouri | 2 | $ 363,000 | $ 181,500 | $ 146,000 |
| Oklahoma, Oklahoma | 2 | $ 290,000 | $ 145,000 | $ 59,000 |
| Los Angeles, California | 1 | $ 449,000 | $ 449,000 | $ 104,000 |
| Charlotte, Florida | 1 | $ 128,000 | $ 128,000 | $ 84,000 |
| Miami-Dade, Florida | 1 | $ 250,000 | $ 250,000 | $ 138,000 |
| Orange, Florida | 1 | $ 221,000 | $ 221,000 | $ 106,000 |
| Honolulu, Hawaii | 1 | $ 262,000 | $ 262,000 | $ 237,000 |
| Bond, Illinois | 1 | $ 106,000 | $ 106,000 | $ 65,000 |
| Cook, Illinois | 1 | $ 146,000 | $ 146,000 | $ 170,000 |
| Monroe, Illinois | 1 | $ 85,000 | $ 85,000 | $ 90,000 |
| Bourbon, Kansas | 1 | $ 110,000 | $ 110,000 | $ 91,000 |
| Douglas, Kansas | 1 | $ 100,000 | $ 100,000 | $ 44,000 |
| Ford, Kansas | 1 | $ 2,800,000 | $ 2,800,000 | $ 0 |
| Jefferson, Kansas | 1 | $ 184,000 | $ 184,000 | $ 36,000 |
| Montgomery, Kansas | 1 | $ 43,000 | $ 43,000 | $ 43,000 |
| Barry, Missouri | 1 | $ 84,000 | $ 84,000 | $ 33,000 |
| Camden, Missouri | 1 | $ 316,000 | $ 316,000 | $ 0 |
| Crawford, Missouri | 1 | $ 141,000 | $ 141,000 | $ 76,000 |
| Miller, Missouri | 1 | $ 135,000 | $ 135,000 | $ 115,000 |
| Morgan, Missouri | 1 | $ 261,000 | $ 261,000 | $ 292,000 |
| Ray, Missouri | 1 | $ 55,000 | $ 55,000 | $ 29,000 |
| Reynolds, Missouri | 1 | $ 131,000 | $ 131,000 | $ 367,000 |
| Ste. Genevieve, Missouri | 1 | $ 239,000 | $ 239,000 | $ 137,000 |
| Webster, Missouri | 1 | $ 86,000 | $ 86,000 | $ 36,000 |
| Lancaster, Nebraska | 1 | $ 246,000 | $ 246,000 | $ 500,000 |
| Mecklenburg, North Carolina | 1 | $ 1,000,000 | $ 1,000,000 | $ 689,000 |
| Transylvania, North Carolina | 1 | $ 300,000 | $ 300,000 | $ 341,000 |
| Lucas, Ohio | 1 | $ 49,000 | $ 49,000 | $ 57,000 |
| Warren, Ohio | 1 | $ 337,000 | $ 337,000 | $ 95,000 |
| Allegheny, Pennsylvania | 1 | $ 287,000 | $ 287,000 | $ 93,000 |
| Harris, Texas | 1 | $ 195,000 | $ 195,000 | $ 68,000 |
| Alexandria, Virginia | 1 | $ 1,100,000 | $ 1,100,000 | $ 280,000 |
| Whatcom, Washington | 1 | $ 354,000 | $ 354,000 | $ 266,000 |
Mortgage Loan Application Detail Totals for Enterprise Bank & Trust in 2014
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 | 507 | $128,459,000 | $253,000 | $12,025,000 | $103,000 | $1,505,000 |
| Refinancing | 284 | $70,625,000 | $248,000 | $2,800,000 | $132,000 | $2,039,000 |
| Home Improvement | 12 | $2,050,000 | $170,000 | $660,000 | $63,000 | $325,000 |
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 | 591 | $133,864,000 | $226,000 | $1,980,000 | $139,000 | $2,039,000 |
| Hispanic | 112 | $9,417,000 | $84,000 | $445,000 | $39,000 | $242,000 |
| Not applicable | 53 | $50,202,000 | $947,000 | $12,025,000 | $0 | $0 |
| Black or African American | 30 | $3,500,000 | $116,000 | $361,000 | $59,000 | $341,000 |
| Asian | 15 | $3,762,000 | $250,000 | $855,000 | $146,000 | $602,000 |
| American Indian or Alaskan Native | 1 | $196,000 | $196,000 | $196,000 | $43,000 | $43,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $193,000 | $193,000 | $193,000 | $47,000 | $47,000 |
| Not Provided | 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) | 696 | $185,894,000 | $267,000 | $12,025,000 | $122,000 | $2,039,000 |
| FHA-insured (Federal Housing Administration) | 66 | $8,717,000 | $132,000 | $275,000 | $51,000 | $211,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 24 | $2,871,000 | $119,000 | $193,000 | $44,000 | $82,000 |
| VA-guaranteed (Veterans Administration) | 17 | $3,652,000 | $214,000 | $390,000 | $84,000 | $169,000 |
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 | 530 | $125,006,000 | $235,000 | $6,653,000 | $124,000 | $2,039,000 |
| Application Withdrawn By Applicant | 155 | $40,570,000 | $261,000 | $4,800,000 | $117,000 | $960,000 |
| Application Denied By Financial Institution | 97 | $18,946,000 | $195,000 | $6,100,000 | $59,000 | $311,000 |
| Application Approved But Not Accepted | 11 | $15,396,000 | $1,399,000 | $12,025,000 | $61,000 | $147,000 |
| Preapproval Denied by Financial Institution | 9 | $1,129,000 | $125,000 | $200,000 | $46,000 | $92,000 |
| Preapproval Approved but not Accepted | 1 | $87,000 | $87,000 | $87,000 | $72,000 | $72,000 |
| 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 2014 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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