Enterprise Bank & Trust Mortgage Lending & HMDA Data, 2021
In 2021, Enterprise Bank & Trust of Clayton, MO reported 1,022 mortgage applications totaling $442.8 million, down 27% from 2020. The average application was for $433,248, and applicants reported an average income of $139,171. 70% of its applications resulted in an originated loan and 9% were denied. Its largest markets were St. Louis, MO-IL (302), Santa Fe, NM (248) and Kansas City, MO-KS (118) (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 | 1,022 |
| Total Mortgage Loan Application Amount | $442,780,000 |
| Average Mortgage Loan Application Amount | $433,248 |
| Highest Mortgage Loan Application Amount | $15,005,000 |
| Average Applicant Income | $139,171 |
| Highest Applicant Income | $4,068,000 |
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(HMDA) records Enterprise Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 248 | $ 82,550,000 | $ 332,862 | $ 137,000 |
| St. Louis, Missouri | 119 | $ 29,825,000 | $ 250,630 | $ 146,000 |
| Jefferson, Missouri | 100 | $ 17,990,000 | $ 179,900 | $ 101,000 |
| Los Alamos, New Mexico | 92 | $ 28,090,000 | $ 305,326 | $ 183,000 |
| Johnson, Kansas | 53 | $ 11,535,000 | $ 217,641 | $ 176,000 |
| St. Louis City, Missouri | 53 | $ 15,805,000 | $ 298,207 | $ 127,000 |
| Bernalillo, New Mexico | 36 | $ 9,830,000 | $ 273,055 | $ 149,000 |
| Jackson, Missouri | 27 | $ 9,345,000 | $ 346,111 | $ 122,000 |
| Maricopa, Arizona | 26 | $ 14,280,000 | $ 549,230 | $ 152,000 |
| Los Angeles, California | 25 | $ 96,135,000 | $ 3,845,400 | $ 0 |
| Wyandotte, Kansas | 24 | $ 2,900,000 | $ 120,833 | $ 45,000 |
| Perry, Missouri | 18 | $ 2,710,000 | $ 150,555 | $ 56,000 |
| St. Charles, Missouri | 18 | $ 4,220,000 | $ 234,444 | $ 125,000 |
| Orange, California | 14 | $ 53,550,000 | $ 3,825,000 | $ 175,000 |
| Sandoval, New Mexico | 12 | $ 2,710,000 | $ 225,833 | $ 90,000 |
| Rio Arriba, New Mexico | 11 | $ 3,175,000 | $ 288,636 | $ 158,000 |
| San Miguel, New Mexico | 10 | $ 2,140,000 | $ 214,000 | $ 87,000 |
| Taos, New Mexico | 10 | $ 2,330,000 | $ 233,000 | $ 172,000 |
| Pima, Arizona | 6 | $ 1,790,000 | $ 298,333 | $ 130,000 |
| San Diego, California | 6 | $ 12,040,000 | $ 2,006,666 | $ 0 |
| Cape Girardeau, Missouri | 5 | $ 935,000 | $ 187,000 | $ 138,000 |
| Clay, Missouri | 5 | $ 1,305,000 | $ 261,000 | $ 83,000 |
| Platte, Missouri | 5 | $ 1,305,000 | $ 261,000 | $ 86,000 |
| Camden, Missouri | 4 | $ 1,260,000 | $ 315,000 | $ 347,000 |
| Franklin, Missouri | 4 | $ 540,000 | $ 135,000 | $ 63,000 |
| Collier, Florida | 3 | $ 1,455,000 | $ 485,000 | $ 0 |
| Douglas, Kansas | 3 | $ 5,925,000 | $ 1,975,000 | $ 74,000 |
| Miami, Kansas | 3 | $ 785,000 | $ 261,666 | $ 95,000 |
| Dunklin, Missouri | 3 | $ 305,000 | $ 101,666 | $ 29,000 |
| Warren, Missouri | 3 | $ 1,005,000 | $ 335,000 | $ 183,000 |
| Coconino, Arizona | 2 | $ 680,000 | $ 340,000 | $ 0 |
| Gunnison, Colorado | 2 | $ 750,000 | $ 375,000 | $ 119,000 |
| Palm Beach, Florida | 2 | $ 2,110,000 | $ 1,055,000 | $ 487,000 |
| Madison, Illinois | 2 | $ 260,000 | $ 130,000 | $ 82,000 |
| Bollinger, Missouri | 2 | $ 260,000 | $ 130,000 | $ 77,000 |
| Pemiscot, Missouri | 2 | $ 320,000 | $ 160,000 | $ 83,000 |
| Ripley, Missouri | 2 | $ 110,000 | $ 55,000 | $ 35,000 |
| Washington, Missouri | 2 | $ 360,000 | $ 180,000 | $ 66,000 |
| Dona Ana, New Mexico | 2 | $ 340,000 | $ 170,000 | $ 91,000 |
| Davidson, Tennessee | 2 | $ 470,000 | $ 235,000 | $ 288,000 |
| Gila, Arizona | 1 | $ 105,000 | $ 105,000 | $ 90,000 |
| Pinal, Arizona | 1 | $ 475,000 | $ 475,000 | $ 141,000 |
| Santa Cruz, Arizona | 1 | $ 215,000 | $ 215,000 | $ 88,000 |
| Yavapai, Arizona | 1 | $ 255,000 | $ 255,000 | $ 51,000 |
| Alameda, California | 1 | $ 205,000 | $ 205,000 | $ 151,000 |
| Plumas, California | 1 | $ 405,000 | $ 405,000 | $ 116,000 |
| Sacramento, California | 1 | $ 305,000 | $ 305,000 | $ 126,000 |
| San Bernardino, California | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Archuleta, Colorado | 1 | $ 215,000 | $ 215,000 | $ 72,000 |
| Chaffee, Colorado | 1 | $ 415,000 | $ 415,000 | $ 153,000 |
| El Paso, Colorado | 1 | $ 285,000 | $ 285,000 | $ 186,000 |
| San Miguel, Colorado | 1 | $ 305,000 | $ 305,000 | $ 194,000 |
| Summit, Colorado | 1 | $ 1,805,000 | $ 1,805,000 | $ 0 |
| Hillsborough, Florida | 1 | $ 195,000 | $ 195,000 | $ 104,000 |
| Santa Rosa, Florida | 1 | $ 535,000 | $ 535,000 | $ 0 |
| St. Johns, Florida | 1 | $ 175,000 | $ 175,000 | $ 84,000 |
| Sumter, Florida | 1 | $ 295,000 | $ 295,000 | $ 81,000 |
| Blaine, Idaho | 1 | $ 645,000 | $ 645,000 | $ 201,000 |
| Cook, Illinois | 1 | $ 665,000 | $ 665,000 | $ 223,000 |
| Macoupin, Illinois | 1 | $ 25,000 | $ 25,000 | $ 42,000 |
| Monroe, Illinois | 1 | $ 105,000 | $ 105,000 | $ 53,000 |
| Sangamon, Illinois | 1 | $ 45,000 | $ 45,000 | $ 283,000 |
| Allen, Indiana | 1 | $ 95,000 | $ 95,000 | $ 50,000 |
| Leavenworth, Kansas | 1 | $ 405,000 | $ 405,000 | $ 221,000 |
| Essex, Massachusetts | 1 | $ 155,000 | $ 155,000 | $ 118,000 |
| Middlesex, Massachusetts | 1 | $ 355,000 | $ 355,000 | $ 87,000 |
| Worcester, Massachusetts | 1 | $ 405,000 | $ 405,000 | $ 129,000 |
| Berrien, Michigan | 1 | $ 2,405,000 | $ 2,405,000 | $ 0 |
| Jasper, Missouri | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Lincoln, Missouri | 1 | $ 175,000 | $ 175,000 | $ 136,000 |
| Macon, Missouri | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Scott, Missouri | 1 | $ 125,000 | $ 125,000 | $ 56,000 |
| St. Francois, Missouri | 1 | $ 215,000 | $ 215,000 | $ 76,000 |
| Stoddard, Missouri | 1 | $ 195,000 | $ 195,000 | $ 125,000 |
| Stone, Missouri | 1 | $ 245,000 | $ 245,000 | $ 89,000 |
| Nye, Nevada | 1 | $ 75,000 | $ 75,000 | $ 103,000 |
| Washoe, Nevada | 1 | $ 155,000 | $ 155,000 | $ 73,000 |
| Chaves, New Mexico | 1 | $ 165,000 | $ 165,000 | $ 150,000 |
| Curry, New Mexico | 1 | $ 205,000 | $ 205,000 | $ 137,000 |
| Lincoln, New Mexico | 1 | $ 205,000 | $ 205,000 | $ 73,000 |
| Socorro, New Mexico | 1 | $ 165,000 | $ 165,000 | $ 128,000 |
| Valencia, New Mexico | 1 | $ 225,000 | $ 225,000 | $ 84,000 |
| Mahoning, Ohio | 1 | $ 65,000 | $ 65,000 | $ 137,000 |
| Deschutes, Oregon | 1 | $ 545,000 | $ 545,000 | $ 164,000 |
| Montgomery, Pennsylvania | 1 | $ 515,000 | $ 515,000 | $ 320,000 |
| Orangeburg, South Carolina | 1 | $ 165,000 | $ 165,000 | $ 228,000 |
| Knox, Tennessee | 1 | $ 365,000 | $ 365,000 | $ 266,000 |
| Sevier, Tennessee | 1 | $ 625,000 | $ 625,000 | $ 0 |
| Bandera, Texas | 1 | $ 395,000 | $ 395,000 | $ 1,755,000 |
| Bexar, Texas | 1 | $ 195,000 | $ 195,000 | $ 340,000 |
| Brewster, Texas | 1 | $ 225,000 | $ 225,000 | $ 92,000 |
| Denton, Texas | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Ector, Texas | 1 | $ 225,000 | $ 225,000 | $ 115,000 |
| Harris, Texas | 1 | $ 545,000 | $ 545,000 | $ 174,000 |
| Travis, Texas | 1 | $ 545,000 | $ 545,000 | $ 125,000 |
| Utah, Utah | 1 | $ 545,000 | $ 545,000 | $ 287,000 |
Mortgage Loan Application Detail Totals for Enterprise Bank & Trust in 2021
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 | 417 | $214,135,000 | $513,000 | $12,305,000 | $145,000 | $4,068,000 |
| Refinancing | 309 | $145,035,000 | $469,000 | $15,005,000 | $134,000 | $700,000 |
| Cash-out Refinancing | 257 | $66,965,000 | $260,000 | $905,000 | $139,000 | $1,004,000 |
| Home Improvement | 32 | $15,980,000 | $499,000 | $3,465,000 | $129,000 | $590,000 |
| Other Purpose | 7 | $665,000 | $95,000 | $325,000 | $73,000 | $100,000 |
| 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 | 620 | $177,490,000 | $286,000 | $2,155,000 | $153,000 | $4,068,000 |
| Hispanic | 170 | $37,690,000 | $221,000 | $615,000 | $100,000 | $534,000 |
| Not applicable | 119 | $195,675,000 | $1,644,000 | $15,005,000 | $0 | $0 |
| Not Provided | 52 | $19,810,000 | $380,000 | $4,485,000 | $158,000 | $340,000 |
| Black or African American | 43 | $7,325,000 | $170,000 | $545,000 | $75,000 | $199,000 |
| Asian | 14 | $3,620,000 | $258,000 | $535,000 | $119,000 | $320,000 |
| American Indian or Alaskan Native | 2 | $540,000 | $270,000 | $315,000 | $63,000 | $84,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $630,000 | $315,000 | $435,000 | $185,000 | $299,000 |
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) | 963 | $432,315,000 | $448,000 | $15,005,000 | $144,000 | $4,068,000 |
| FHA-insured (Federal Housing Administration) | 58 | $10,300,000 | $177,000 | $395,000 | $67,000 | $321,000 |
| VA-guaranteed (Veterans Administration) | 1 | $165,000 | $165,000 | $165,000 | $59,000 | $59,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 713 | $329,585,000 | $462,000 | $12,305,000 | $132,000 | $751,000 |
| Application Withdrawn By Applicant | 123 | $64,385,000 | $523,000 | $15,005,000 | $207,000 | $4,068,000 |
| Application Denied By Financial Institution | 94 | $24,540,000 | $261,000 | $1,955,000 | $95,000 | $660,000 |
| File Closed For Incompleteness | 56 | $10,520,000 | $187,000 | $905,000 | $127,000 | $1,320,000 |
| Application Approved But Not Accepted | 36 | $13,750,000 | $381,000 | $2,155,000 | $184,000 | $588,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 | 928 | $418,240,000 | $450,000 | $15,005,000 | $144,000 | $4,068,000 |
| Debt-To-Income Ratio | 37 | $12,685,000 | $342,000 | $1,955,000 | $74,000 | $456,000 |
| Credit History | 26 | $4,610,000 | $177,000 | $725,000 | $107,000 | $660,000 |
| Collateral | 16 | $4,220,000 | $263,000 | $545,000 | $138,000 | $394,000 |
| Unverifiable Information | 6 | $1,110,000 | $185,000 | $275,000 | $69,000 | $118,000 |
| Employment History | 4 | $920,000 | $230,000 | $275,000 | $107,000 | $180,000 |
| Other | 3 | $375,000 | $125,000 | $155,000 | $50,000 | $69,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $620,000 | $310,000 | $335,000 | $59,000 | $61,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Enterprise Bank & Trust's 2021 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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