Enterprise Bank & Trust Mortgage Lending & HMDA Data, 2017
In 2017, Enterprise Bank & Trust of Clayton, MO reported 1,055 mortgage applications totaling $216.8 million, down 20% from 2016. The average application was for $205,521, and applicants reported an average income of $114,509. 71% of its applications resulted in an originated loan and 10% were denied. Its largest markets were St. Louis, MO-IL (590), Kansas City, MO-KS (327) and Phoenix-Mesa-Scottsdale, AZ (27) (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 | 1,055 |
| Total Mortgage Loan Application Amount | $216,825,000 |
| Average Mortgage Loan Application Amount | $205,521 |
| Highest Mortgage Loan Application Amount | $2,950,000 |
| Average Applicant Income | $114,509 |
| Highest Applicant Income | $5,800,000 |
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(HMDA) records Enterprise Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 307 | $ 64,044,000 | $ 208,612 | $ 116,000 |
| Johnson, Kansas | 150 | $ 34,127,000 | $ 227,513 | $ 98,000 |
| Jefferson, Missouri | 94 | $ 13,248,000 | $ 140,936 | $ 71,000 |
| St. Louis City, Missouri | 86 | $ 18,610,000 | $ 216,395 | $ 63,000 |
| St. Charles, Missouri | 77 | $ 17,146,000 | $ 222,675 | $ 144,000 |
| Wyandotte, Kansas | 71 | $ 6,758,000 | $ 95,183 | $ 42,000 |
| Jackson, Missouri | 65 | $ 11,828,000 | $ 181,969 | $ 72,000 |
| Maricopa, Arizona | 27 | $ 11,213,000 | $ 415,296 | $ 561,000 |
| Perry, Missouri | 14 | $ 1,865,000 | $ 133,214 | $ 48,000 |
| Platte, Missouri | 11 | $ 2,305,000 | $ 209,545 | $ 125,000 |
| Cass, Missouri | 9 | $ 1,284,000 | $ 142,666 | $ 62,000 |
| Franklin, Missouri | 9 | $ 3,088,000 | $ 343,111 | $ 226,000 |
| Pima, Arizona | 8 | $ 2,334,000 | $ 291,750 | $ 273,000 |
| St. Clair, Illinois | 8 | $ 1,776,000 | $ 222,000 | $ 99,000 |
| Clay, Missouri | 7 | $ 1,539,000 | $ 219,857 | $ 127,000 |
| Miami, Kansas | 6 | $ 1,523,000 | $ 253,833 | $ 86,000 |
| St. Francois, Missouri | 6 | $ 618,000 | $ 103,000 | $ 85,000 |
| Ste. Genevieve, Missouri | 6 | $ 679,000 | $ 113,166 | $ 50,000 |
| Cook, Illinois | 5 | $ 1,441,000 | $ 288,200 | $ 178,000 |
| Camden, Missouri | 5 | $ 1,116,000 | $ 223,200 | $ 205,000 |
| Lafayette, Missouri | 5 | $ 552,000 | $ 110,400 | $ 70,000 |
| Madison, Illinois | 4 | $ 632,000 | $ 158,000 | $ 74,000 |
| Franklin, Kansas | 4 | $ 628,000 | $ 157,000 | $ 63,000 |
| Monroe, Illinois | 3 | $ 854,000 | $ 284,666 | $ 275,000 |
| Leavenworth, Kansas | 3 | $ 714,000 | $ 238,000 | $ 102,000 |
| Cape Girardeau, Missouri | 3 | $ 529,000 | $ 176,333 | $ 65,000 |
| Washington, Missouri | 3 | $ 519,000 | $ 173,000 | $ 84,000 |
| Sacramento, California | 2 | $ 673,000 | $ 336,500 | $ 65,000 |
| San Diego, California | 2 | $ 975,000 | $ 487,500 | $ 464,000 |
| Douglas, Kansas | 2 | $ 337,000 | $ 168,500 | $ 40,000 |
| Christian, Missouri | 2 | $ 201,000 | $ 100,500 | $ 85,000 |
| Stone, Missouri | 2 | $ 815,000 | $ 407,500 | $ 297,000 |
| Denton, Texas | 2 | $ 514,000 | $ 257,000 | $ 77,000 |
| Calhoun, Alabama | 1 | $ 53,000 | $ 53,000 | $ 30,000 |
| Cochise, Arizona | 1 | $ 204,000 | $ 204,000 | $ 130,000 |
| Coconino, Arizona | 1 | $ 300,000 | $ 300,000 | $ 166,000 |
| Navajo, Arizona | 1 | $ 178,000 | $ 178,000 | $ 143,000 |
| Santa Cruz, Arizona | 1 | $ 417,000 | $ 417,000 | $ 756,000 |
| Contra Costa, California | 1 | $ 594,000 | $ 594,000 | $ 157,000 |
| Riverside, California | 1 | $ 300,000 | $ 300,000 | $ 272,000 |
| San Bernardino, California | 1 | $ 242,000 | $ 242,000 | $ 129,000 |
| Jefferson, Colorado | 1 | $ 424,000 | $ 424,000 | $ 253,000 |
| Broward, Florida | 1 | $ 624,000 | $ 624,000 | $ 0 |
| Collier, Florida | 1 | $ 700,000 | $ 700,000 | $ 249,000 |
| Lee, Florida | 1 | $ 380,000 | $ 380,000 | $ 320,000 |
| Palm Beach, Florida | 1 | $ 280,000 | $ 280,000 | $ 130,000 |
| Calhoun, Illinois | 1 | $ 320,000 | $ 320,000 | $ 847,000 |
| St. Joseph, Indiana | 1 | $ 170,000 | $ 170,000 | $ 87,000 |
| St. Tammany, Louisiana | 1 | $ 105,000 | $ 105,000 | $ 52,000 |
| Cheboygan, Michigan | 1 | $ 822,000 | $ 822,000 | $ 1,122,000 |
| Benton, Missouri | 1 | $ 9,000 | $ 9,000 | $ 39,000 |
| Buchanan, Missouri | 1 | $ 70,000 | $ 70,000 | $ 95,000 |
| Dent, Missouri | 1 | $ 54,000 | $ 54,000 | $ 256,000 |
| Miller, Missouri | 1 | $ 510,000 | $ 510,000 | $ 138,000 |
| Morgan, Missouri | 1 | $ 196,000 | $ 196,000 | $ 275,000 |
| Nodaway, Missouri | 1 | $ 98,000 | $ 98,000 | $ 40,000 |
| Warren, Missouri | 1 | $ 310,000 | $ 310,000 | $ 156,000 |
| Lancaster, Nebraska | 1 | $ 238,000 | $ 238,000 | $ 132,000 |
| Clark, Nevada | 1 | $ 602,000 | $ 602,000 | $ 566,000 |
| Somerset, New Jersey | 1 | $ 365,000 | $ 365,000 | $ 128,000 |
| Deschutes, Oregon | 1 | $ 359,000 | $ 359,000 | $ 121,000 |
| Hamilton, Tennessee | 1 | $ 116,000 | $ 116,000 | $ 113,000 |
| Collin, Texas | 1 | $ 287,000 | $ 287,000 | $ 185,000 |
| Tarrant, Texas | 1 | $ 364,000 | $ 364,000 | $ 150,000 |
| Wasatch, Utah | 1 | $ 424,000 | $ 424,000 | $ 128,000 |
| Chesapeake, Virginia | 1 | $ 498,000 | $ 498,000 | $ 166,000 |
| Albany, Wyoming | 1 | $ 265,000 | $ 265,000 | $ 188,000 |
Mortgage Loan Application Detail Totals for Enterprise Bank & Trust in 2017
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 | 710 | $142,192,000 | $200,000 | $2,000,000 | $101,000 | $1,445,000 |
| Refinancing | 289 | $65,373,000 | $226,000 | $2,950,000 | $154,000 | $5,800,000 |
| Home Improvement | 56 | $9,260,000 | $165,000 | $2,600,000 | $82,000 | $381,000 |
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 | 730 | $163,068,000 | $223,000 | $2,000,000 | $142,000 | $5,800,000 |
| Hispanic | 120 | $15,564,000 | $129,000 | $638,000 | $70,000 | $756,000 |
| Black or African American | 90 | $10,777,000 | $119,000 | $420,000 | $52,000 | $301,000 |
| Not applicable | 63 | $18,483,000 | $293,000 | $2,950,000 | $0 | $0 |
| Asian | 39 | $7,190,000 | $184,000 | $1,300,000 | $85,000 | $857,000 |
| Not Provided | 12 | $1,515,000 | $126,000 | $245,000 | $60,000 | $84,000 |
| American Indian or Alaskan Native | 1 | $228,000 | $228,000 | $228,000 | $115,000 | $115,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 775 | $177,735,000 | $229,000 | $2,950,000 | $137,000 | $5,800,000 |
| FHA-insured (Federal Housing Administration) | 230 | $29,892,000 | $129,000 | $420,000 | $49,000 | $156,000 |
| VA-guaranteed (Veterans Administration) | 37 | $7,397,000 | $199,000 | $498,000 | $71,000 | $166,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $1,801,000 | $138,000 | $227,000 | $57,000 | $94,000 |
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 | 751 | $153,623,000 | $204,000 | $2,000,000 | $112,000 | $4,000,000 |
| Application Withdrawn By Applicant | 135 | $36,439,000 | $269,000 | $2,950,000 | $121,000 | $1,218,000 |
| Application Denied By Financial Institution | 110 | $15,899,000 | $144,000 | $607,000 | $78,000 | $821,000 |
| Application Approved But Not Accepted | 28 | $6,560,000 | $234,000 | $1,226,000 | $350,000 | $5,800,000 |
| File Closed For Incompleteness | 18 | $2,842,000 | $157,000 | $318,000 | $65,000 | $155,000 |
| Preapproval Denied by Financial Institution | 11 | $1,147,000 | $104,000 | $250,000 | $41,000 | $78,000 |
| Preapproval Approved but not Accepted | 2 | $315,000 | $157,000 | $234,000 | $59,000 | $95,000 |
| Loan Purchased By The Institution | 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 2017 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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