Enterprise Bank & Trust Mortgage Lending & HMDA Data, 2015
In 2015, Enterprise Bank & Trust of Clayton, MO reported 1,189 mortgage applications totaling $268.6 million, up 48% from 2014. The average application was for $225,910, and applicants reported an average income of $110,631. 64% of its applications resulted in an originated loan and 12% were denied. Its largest markets were St. Louis, MO-IL (661), Kansas City, MO-KS (384) and Phoenix-Mesa-Scottsdale, AZ (29) (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 | 1,189 |
| Total Mortgage Loan Application Amount | $268,607,000 |
| Average Mortgage Loan Application Amount | $225,910 |
| Highest Mortgage Loan Application Amount | $13,657,000 |
| Average Applicant Income | $110,631 |
| Highest Applicant Income | $1,280,000 |
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(HMDA) records Enterprise Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 390 | $ 102,024,000 | $ 261,600 | $ 131,000 |
| Johnson, Kansas | 216 | $ 42,945,000 | $ 198,819 | $ 96,000 |
| St. Charles, Missouri | 116 | $ 23,328,000 | $ 201,103 | $ 113,000 |
| St. Louis City, Missouri | 75 | $ 15,563,000 | $ 207,506 | $ 98,000 |
| Wyandotte, Kansas | 68 | $ 18,101,000 | $ 266,191 | $ 31,000 |
| Jackson, Missouri | 63 | $ 8,293,000 | $ 131,634 | $ 67,000 |
| Maricopa, Arizona | 29 | $ 13,328,000 | $ 459,586 | $ 231,000 |
| Jefferson, Missouri | 29 | $ 6,071,000 | $ 209,344 | $ 102,000 |
| Franklin, Missouri | 18 | $ 3,434,000 | $ 190,777 | $ 95,000 |
| Madison, Illinois | 15 | $ 2,748,000 | $ 183,200 | $ 111,000 |
| Miami, Kansas | 8 | $ 1,255,000 | $ 156,875 | $ 60,000 |
| Clay, Missouri | 8 | $ 741,000 | $ 92,625 | $ 57,000 |
| Franklin, Kansas | 7 | $ 828,000 | $ 118,285 | $ 71,000 |
| Leavenworth, Kansas | 7 | $ 1,140,000 | $ 162,857 | $ 203,000 |
| Lafayette, Missouri | 7 | $ 902,000 | $ 128,857 | $ 67,000 |
| Lincoln, Missouri | 7 | $ 1,195,000 | $ 170,714 | $ 88,000 |
| St. Clair, Illinois | 5 | $ 1,114,000 | $ 222,800 | $ 133,000 |
| Platte, Missouri | 5 | $ 1,539,000 | $ 307,800 | $ 182,000 |
| Monroe, Illinois | 4 | $ 550,000 | $ 137,500 | $ 33,000 |
| Sarasota, Florida | 3 | $ 884,000 | $ 294,666 | $ 320,000 |
| Douglas, Kansas | 3 | $ 405,000 | $ 135,000 | $ 49,000 |
| Greene, Missouri | 3 | $ 248,000 | $ 82,666 | $ 87,000 |
| Alameda, California | 2 | $ 1,282,000 | $ 641,000 | $ 231,000 |
| Archuleta, Colorado | 2 | $ 148,000 | $ 74,000 | $ 52,000 |
| Denver, Colorado | 2 | $ 224,000 | $ 112,000 | $ 42,000 |
| Brevard, Florida | 2 | $ 535,000 | $ 267,500 | $ 185,000 |
| Collier, Florida | 2 | $ 817,000 | $ 408,500 | $ 225,000 |
| Pinellas, Florida | 2 | $ 278,000 | $ 139,000 | $ 625,000 |
| McLean, Illinois | 2 | $ 268,000 | $ 134,000 | $ 83,000 |
| Bourbon, Kansas | 2 | $ 317,000 | $ 158,500 | $ 164,000 |
| Sedgwick, Kansas | 2 | $ 385,000 | $ 192,500 | $ 112,000 |
| Cass, Missouri | 2 | $ 396,000 | $ 198,000 | $ 128,000 |
| Morgan, Missouri | 2 | $ 465,000 | $ 232,500 | $ 88,000 |
| Stone, Missouri | 2 | $ 603,000 | $ 301,500 | $ 260,000 |
| Warren, Missouri | 2 | $ 239,000 | $ 119,500 | $ 41,000 |
| Douglas, Nebraska | 2 | $ 470,000 | $ 235,000 | $ 106,000 |
| Cabarrus, North Carolina | 2 | $ 896,000 | $ 448,000 | $ 222,000 |
| Allegheny, Pennsylvania | 2 | $ 427,000 | $ 213,500 | $ 90,000 |
| Midland, Texas | 2 | $ 615,000 | $ 307,500 | $ 85,000 |
| Navajo, Arizona | 1 | $ 153,000 | $ 153,000 | $ 63,000 |
| Pima, Arizona | 1 | $ 179,000 | $ 179,000 | $ 59,000 |
| Benton, Arkansas | 1 | $ 85,000 | $ 85,000 | $ 82,000 |
| San Diego, California | 1 | $ 650,000 | $ 650,000 | $ 307,000 |
| El Paso, Colorado | 1 | $ 132,000 | $ 132,000 | $ 67,000 |
| Gunnison, Colorado | 1 | $ 500,000 | $ 500,000 | $ 1,002,000 |
| Weld, Colorado | 1 | $ 314,000 | $ 314,000 | $ 102,000 |
| Kent, Delaware | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Bay, Florida | 1 | $ 157,000 | $ 157,000 | $ 86,000 |
| Charlotte, Florida | 1 | $ 210,000 | $ 210,000 | $ 147,000 |
| Escambia, Florida | 1 | $ 120,000 | $ 120,000 | $ 162,000 |
| Lee, Florida | 1 | $ 223,000 | $ 223,000 | $ 203,000 |
| Seminole, Florida | 1 | $ 150,000 | $ 150,000 | $ 100,000 |
| Walton, Florida | 1 | $ 309,000 | $ 309,000 | $ 254,000 |
| Gilmer, Georgia | 1 | $ 165,000 | $ 165,000 | $ 74,000 |
| Gwinnett, Georgia | 1 | $ 362,000 | $ 362,000 | $ 127,000 |
| Honolulu, Hawaii | 1 | $ 350,000 | $ 350,000 | $ 44,000 |
| Cook, Illinois | 1 | $ 253,000 | $ 253,000 | $ 118,000 |
| Randolph, Illinois | 1 | $ 61,000 | $ 61,000 | $ 34,000 |
| Williamson, Illinois | 1 | $ 148,000 | $ 148,000 | $ 378,000 |
| Dickinson, Kansas | 1 | $ 17,000 | $ 17,000 | $ 27,000 |
| Shawnee, Kansas | 1 | $ 60,000 | $ 60,000 | $ 48,000 |
| Benzie, Michigan | 1 | $ 160,000 | $ 160,000 | $ 171,000 |
| Muskegon, Michigan | 1 | $ 137,000 | $ 137,000 | $ 252,000 |
| Hennepin, Minnesota | 1 | $ 314,000 | $ 314,000 | $ 132,000 |
| Lafayette, Mississippi | 1 | $ 157,000 | $ 157,000 | $ 0 |
| Barry, Missouri | 1 | $ 60,000 | $ 60,000 | $ 155,000 |
| Boone, Missouri | 1 | $ 158,000 | $ 158,000 | $ 137,000 |
| Camden, Missouri | 1 | $ 148,000 | $ 148,000 | $ 188,000 |
| Cape Girardeau, Missouri | 1 | $ 243,000 | $ 243,000 | $ 102,000 |
| Christian, Missouri | 1 | $ 113,000 | $ 113,000 | $ 41,000 |
| Dade, Missouri | 1 | $ 70,000 | $ 70,000 | $ 49,000 |
| Gasconade, Missouri | 1 | $ 120,000 | $ 120,000 | $ 284,000 |
| Howell, Missouri | 1 | $ 66,000 | $ 66,000 | $ 26,000 |
| Jasper, Missouri | 1 | $ 82,000 | $ 82,000 | $ 0 |
| Miller, Missouri | 1 | $ 169,000 | $ 169,000 | $ 110,000 |
| Pettis, Missouri | 1 | $ 172,000 | $ 172,000 | $ 36,000 |
| Reynolds, Missouri | 1 | $ 55,000 | $ 55,000 | $ 160,000 |
| Saline, Missouri | 1 | $ 160,000 | $ 160,000 | $ 220,000 |
| Shelby, Missouri | 1 | $ 76,000 | $ 76,000 | $ 50,000 |
| St. Francois, Missouri | 1 | $ 240,000 | $ 240,000 | $ 80,000 |
| Taney, Missouri | 1 | $ 194,000 | $ 194,000 | $ 55,000 |
| Webster, Missouri | 1 | $ 153,000 | $ 153,000 | $ 63,000 |
| Clark, Nevada | 1 | $ 345,000 | $ 345,000 | $ 250,000 |
| Santa Fe, New Mexico | 1 | $ 417,000 | $ 417,000 | $ 108,000 |
| Kings, New York | 1 | $ 475,000 | $ 475,000 | $ 78,000 |
| Lucas, Ohio | 1 | $ 51,000 | $ 51,000 | $ 58,000 |
| Delaware, Pennsylvania | 1 | $ 378,000 | $ 378,000 | $ 175,000 |
| Charleston, South Carolina | 1 | $ 372,000 | $ 372,000 | $ 298,000 |
| Horry, South Carolina | 1 | $ 50,000 | $ 50,000 | $ 60,000 |
| Dallas, Texas | 1 | $ 150,000 | $ 150,000 | $ 56,000 |
| Harris, Texas | 1 | $ 145,000 | $ 145,000 | $ 43,000 |
| Weber, Utah | 1 | $ 208,000 | $ 208,000 | $ 0 |
| King, Washington | 1 | $ 863,000 | $ 863,000 | $ 0 |
| Pierce, Washington | 1 | $ 340,000 | $ 340,000 | $ 253,000 |
Mortgage Loan Application Detail Totals for Enterprise Bank & Trust in 2015
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 | 610 | $139,918,000 | $229,000 | $13,657,000 | $104,000 | $1,134,000 |
| Refinancing | 562 | $126,667,000 | $225,000 | $2,349,000 | $118,000 | $1,280,000 |
| Home Improvement | 17 | $2,022,000 | $118,000 | $430,000 | $105,000 | $741,000 |
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 | 924 | $215,257,000 | $232,000 | $2,349,000 | $128,000 | $1,280,000 |
| Hispanic | 111 | $10,261,000 | $92,000 | $412,000 | $38,000 | $217,000 |
| Not applicable | 63 | $25,846,000 | $410,000 | $13,657,000 | $0 | $0 |
| Black or African American | 44 | $7,516,000 | $170,000 | $817,000 | $95,000 | $750,000 |
| Asian | 40 | $8,097,000 | $202,000 | $1,200,000 | $111,000 | $372,000 |
| American Indian or Alaskan Native | 7 | $1,630,000 | $232,000 | $338,000 | $118,000 | $317,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 986 | $237,349,000 | $240,000 | $13,657,000 | $123,000 | $1,280,000 |
| FHA-insured (Federal Housing Administration) | 162 | $24,585,000 | $151,000 | $281,000 | $53,000 | $200,000 |
| VA-guaranteed (Veterans Administration) | 22 | $3,996,000 | $181,000 | $362,000 | $72,000 | $144,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $2,677,000 | $140,000 | $240,000 | $48,000 | $85,000 |
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 | 759 | $184,427,000 | $242,000 | $13,657,000 | $118,000 | $1,280,000 |
| Application Withdrawn By Applicant | 269 | $55,901,000 | $207,000 | $1,680,000 | $115,000 | $996,000 |
| Application Denied By Financial Institution | 137 | $24,379,000 | $177,000 | $1,017,000 | $68,000 | $368,000 |
| Application Approved But Not Accepted | 10 | $1,933,000 | $193,000 | $650,000 | $162,000 | $663,000 |
| Preapproval Approved but not Accepted | 7 | $1,254,000 | $179,000 | $468,000 | $88,000 | $136,000 |
| Preapproval Denied by Financial Institution | 7 | $713,000 | $101,000 | $147,000 | $23,000 | $75,000 |
| 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 2015 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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