Enterprise Bank & Trust Mortgage Lending & HMDA Data, 2019
In 2019, Enterprise Bank & Trust of Clayton, MO reported 685 mortgage applications totaling $171.2 million, up 58% from 2018. The average application was for $249,890, and applicants reported an average income of $146,922. 63% of its applications resulted in an originated loan and 9% were denied. Its largest markets were St. Louis, MO-IL (230), Kansas City, MO-KS (147) and Santa Fe, NM (132) (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 | 685 |
| Total Mortgage Loan Application Amount | $171,175,000 |
| Average Mortgage Loan Application Amount | $249,890 |
| Highest Mortgage Loan Application Amount | $3,855,000 |
| Average Applicant Income | $146,922 |
| Highest Applicant Income | $4,508,000 |
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(HMDA) records Enterprise Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Santa Fe, New Mexico | 132 | $ 35,890,000 | $ 271,893 | $ 129,000 |
| St. Louis, Missouri | 119 | $ 30,425,000 | $ 255,672 | $ 216,000 |
| Johnson, Kansas | 77 | $ 16,145,000 | $ 209,675 | $ 157,000 |
| St. Louis City, Missouri | 58 | $ 16,350,000 | $ 281,896 | $ 104,000 |
| Los Alamos, New Mexico | 56 | $ 16,700,000 | $ 298,214 | $ 122,000 |
| Jefferson, Missouri | 38 | $ 5,950,000 | $ 156,578 | $ 88,000 |
| Jackson, Missouri | 33 | $ 11,465,000 | $ 347,424 | $ 126,000 |
| Wyandotte, Kansas | 30 | $ 2,860,000 | $ 95,333 | $ 46,000 |
| Bernalillo, New Mexico | 20 | $ 4,440,000 | $ 222,000 | $ 80,000 |
| Maricopa, Arizona | 18 | $ 10,240,000 | $ 568,888 | $ 567,000 |
| Rio Arriba, New Mexico | 12 | $ 2,020,000 | $ 168,333 | $ 39,000 |
| Perry, Missouri | 11 | $ 1,545,000 | $ 140,454 | $ 67,000 |
| St. Charles, Missouri | 11 | $ 3,025,000 | $ 275,000 | $ 178,000 |
| Sandoval, New Mexico | 7 | $ 1,225,000 | $ 175,000 | $ 94,000 |
| San Miguel, New Mexico | 6 | $ 610,000 | $ 101,666 | $ 231,000 |
| Clay, Missouri | 5 | $ 825,000 | $ 165,000 | $ 60,000 |
| Colfax, New Mexico | 4 | $ 950,000 | $ 237,500 | $ 134,000 |
| Clark, Nevada | 3 | $ 505,000 | $ 168,333 | $ 57,000 |
| Jefferson, Colorado | 2 | $ 590,000 | $ 295,000 | $ 122,000 |
| Madison, Illinois | 2 | $ 90,000 | $ 45,000 | $ 0 |
| Hampden, Massachusetts | 2 | $ 490,000 | $ 245,000 | $ 173,000 |
| Camden, Missouri | 2 | $ 300,000 | $ 150,000 | $ 418,000 |
| Gasconade, Missouri | 2 | $ 400,000 | $ 200,000 | $ 38,000 |
| Dona Ana, New Mexico | 2 | $ 270,000 | $ 135,000 | $ 126,000 |
| Coconino, Arizona | 1 | $ 335,000 | $ 335,000 | $ 670,000 |
| Placer, California | 1 | $ 475,000 | $ 475,000 | $ 211,000 |
| Denver, Colorado | 1 | $ 275,000 | $ 275,000 | $ 142,000 |
| El Paso, Colorado | 1 | $ 295,000 | $ 295,000 | $ 167,000 |
| Summit, Colorado | 1 | $ 175,000 | $ 175,000 | $ 71,000 |
| Weld, Colorado | 1 | $ 165,000 | $ 165,000 | $ 52,000 |
| Manatee, Florida | 1 | $ 375,000 | $ 375,000 | $ 482,000 |
| Orange, Florida | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Pinellas, Florida | 1 | $ 175,000 | $ 175,000 | $ 73,000 |
| Walton, Florida | 1 | $ 395,000 | $ 395,000 | $ 178,000 |
| Monroe, Illinois | 1 | $ 125,000 | $ 125,000 | $ 59,000 |
| Hamilton, Indiana | 1 | $ 305,000 | $ 305,000 | $ 80,000 |
| Marion, Indiana | 1 | $ 245,000 | $ 245,000 | $ 216,000 |
| Monroe, Indiana | 1 | $ 65,000 | $ 65,000 | $ 29,000 |
| Miami, Kansas | 1 | $ 505,000 | $ 505,000 | $ 215,000 |
| Bollinger, Missouri | 1 | $ 125,000 | $ 125,000 | $ 54,000 |
| Cape Girardeau, Missouri | 1 | $ 205,000 | $ 205,000 | $ 76,000 |
| Cass, Missouri | 1 | $ 15,000 | $ 15,000 | $ 70,000 |
| Reynolds, Missouri | 1 | $ 225,000 | $ 225,000 | $ 550,000 |
| Taney, Missouri | 1 | $ 205,000 | $ 205,000 | $ 192,000 |
| Otero, New Mexico | 1 | $ 225,000 | $ 225,000 | $ 80,000 |
| Taos, New Mexico | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Bexar, Texas | 1 | $ 945,000 | $ 945,000 | $ 525,000 |
| El Paso, Texas | 1 | $ 395,000 | $ 395,000 | $ 120,000 |
| Albany, Wyoming | 1 | $ 205,000 | $ 205,000 | $ 152,000 |
Mortgage Loan Application Detail Totals for Enterprise Bank & Trust in 2019
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 | 296 | $71,770,000 | $242,000 | $1,855,000 | $124,000 | $1,601,000 |
| Refinancing | 216 | $60,840,000 | $281,000 | $3,855,000 | $200,000 | $4,508,000 |
| Cash-out Refinancing | 131 | $30,465,000 | $232,000 | $655,000 | $118,000 | $1,070,000 |
| Home Improvement | 27 | $5,265,000 | $195,000 | $1,225,000 | $75,000 | $339,000 |
| Other Purpose | 15 | $2,835,000 | $189,000 | $505,000 | $217,000 | $800,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 387 | $99,125,000 | $256,000 | $1,615,000 | $163,000 | $4,508,000 |
| Hispanic | 126 | $21,640,000 | $171,000 | $485,000 | $76,000 | $876,000 |
| Not applicable | 94 | $34,680,000 | $368,000 | $3,855,000 | $0 | $0 |
| Black or African American | 28 | $3,460,000 | $123,000 | $415,000 | $97,000 | $1,148,000 |
| Not Provided | 26 | $7,010,000 | $269,000 | $555,000 | $276,000 | $4,500,000 |
| Asian | 22 | $4,980,000 | $226,000 | $455,000 | $123,000 | $800,000 |
| American Indian or Alaskan Native | 1 | $75,000 | $75,000 | $75,000 | $33,000 | $33,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $205,000 | $205,000 | $205,000 | $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) | 623 | $159,195,000 | $255,000 | $3,855,000 | $154,000 | $4,508,000 |
| FHA-insured (Federal Housing Administration) | 48 | $7,610,000 | $158,000 | $335,000 | $60,000 | $183,000 |
| VA-guaranteed (Veterans Administration) | 12 | $4,070,000 | $339,000 | $695,000 | $111,000 | $248,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $300,000 | $150,000 | $185,000 | $76,000 | $93,000 |
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 | 430 | $113,670,000 | $264,000 | $3,855,000 | $128,000 | $1,176,000 |
| Application Withdrawn By Applicant | 115 | $30,595,000 | $266,000 | $1,615,000 | $161,000 | $1,601,000 |
| Application Denied By Financial Institution | 63 | $8,595,000 | $136,000 | $555,000 | $80,000 | $1,148,000 |
| File Closed For Incompleteness | 36 | $8,660,000 | $240,000 | $1,405,000 | $305,000 | $4,500,000 |
| Application Approved But Not Accepted | 34 | $8,620,000 | $253,000 | $1,085,000 | $257,000 | $4,508,000 |
| Preapproval Denied by Financial Institution | 6 | $890,000 | $148,000 | $195,000 | $43,000 | $54,000 |
| Preapproval Approved but not Accepted | 1 | $145,000 | $145,000 | $145,000 | $39,000 | $39,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 616 | $161,690,000 | $262,000 | $3,855,000 | $153,000 | $4,508,000 |
| Debt-To-Income Ratio | 35 | $4,935,000 | $141,000 | $505,000 | $40,000 | $138,000 |
| Credit History | 23 | $3,245,000 | $141,000 | $555,000 | $143,000 | $1,148,000 |
| Collateral | 6 | $680,000 | $113,000 | $175,000 | $51,000 | $72,000 |
| Other | 2 | $170,000 | $85,000 | $125,000 | $47,000 | $75,000 |
| Employment History | 2 | $260,000 | $130,000 | $185,000 | $42,000 | $54,000 |
| Unverifiable Information | 1 | $195,000 | $195,000 | $195,000 | $45,000 | $45,000 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Enterprise Bank & Trust's 2019 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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