Enterprise Bank & Trust Mortgage Lending & HMDA Data, 2022
In 2022, Enterprise Bank & Trust of Clayton, MO reported 539 mortgage applications totaling $172.5 million, down 47% from 2021. The average application was for $320,046, and applicants reported an average income of $134,892. 63% of its applications resulted in an originated loan and 13% were denied. Its largest markets were St. Louis, MO-IL (197), Kansas City, MO-KS (94) and Santa Fe, NM (74) (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 | 539 |
| Total Mortgage Loan Application Amount | $172,505,000 |
| Average Mortgage Loan Application Amount | $320,046 |
| Highest Mortgage Loan Application Amount | $5,405,000 |
| Average Applicant Income | $134,892 |
| Highest Applicant Income | $1,930,000 |
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(HMDA) records Enterprise Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 83 | $ 29,735,000 | $ 358,253 | $ 236,000 |
| Santa Fe, New Mexico | 74 | $ 24,890,000 | $ 336,351 | $ 129,000 |
| Jefferson, Missouri | 67 | $ 10,855,000 | $ 162,014 | $ 84,000 |
| Los Alamos, New Mexico | 43 | $ 15,915,000 | $ 370,116 | $ 145,000 |
| Johnson, Kansas | 40 | $ 9,320,000 | $ 233,000 | $ 143,000 |
| St. Louis City, Missouri | 25 | $ 8,035,000 | $ 321,400 | $ 146,000 |
| Wyandotte, Kansas | 24 | $ 2,790,000 | $ 116,250 | $ 51,000 |
| Jackson, Missouri | 24 | $ 3,900,000 | $ 162,500 | $ 57,000 |
| Rio Arriba, New Mexico | 16 | $ 4,020,000 | $ 251,250 | $ 141,000 |
| Maricopa, Arizona | 14 | $ 7,160,000 | $ 511,428 | $ 169,000 |
| St. Charles, Missouri | 11 | $ 3,165,000 | $ 287,727 | $ 167,000 |
| Bernalillo, New Mexico | 11 | $ 2,915,000 | $ 265,000 | $ 178,000 |
| Perry, Missouri | 10 | $ 1,680,000 | $ 168,000 | $ 48,000 |
| San Miguel, New Mexico | 7 | $ 1,595,000 | $ 227,857 | $ 66,000 |
| Los Angeles, California | 5 | $ 8,695,000 | $ 1,739,000 | $ 0 |
| Madison, Illinois | 4 | $ 320,000 | $ 80,000 | $ 0 |
| Sandoval, New Mexico | 4 | $ 1,290,000 | $ 322,500 | $ 106,000 |
| Yavapai, Arizona | 3 | $ 2,095,000 | $ 698,333 | $ 280,000 |
| Orange, California | 3 | $ 6,855,000 | $ 2,285,000 | $ 0 |
| Franklin, Missouri | 3 | $ 845,000 | $ 281,666 | $ 91,000 |
| Travis, Texas | 3 | $ 1,265,000 | $ 421,666 | $ 121,000 |
| Thurston, Washington | 3 | $ 865,000 | $ 288,333 | $ 96,000 |
| San Bernardino, California | 2 | $ 1,090,000 | $ 545,000 | $ 0 |
| San Diego, California | 2 | $ 1,540,000 | $ 770,000 | $ 0 |
| Delta, Colorado | 2 | $ 380,000 | $ 190,000 | $ 51,000 |
| Mineral, Colorado | 2 | $ 770,000 | $ 385,000 | $ 225,000 |
| Tolland, Connecticut | 2 | $ 510,000 | $ 255,000 | $ 90,000 |
| Pinellas, Florida | 2 | $ 1,760,000 | $ 880,000 | $ 200,000 |
| Leavenworth, Kansas | 2 | $ 640,000 | $ 320,000 | $ 118,000 |
| Miami, Kansas | 2 | $ 350,000 | $ 175,000 | $ 35,000 |
| Camden, Missouri | 2 | $ 740,000 | $ 370,000 | $ 0 |
| Lincoln, Missouri | 2 | $ 780,000 | $ 390,000 | $ 0 |
| Taos, New Mexico | 2 | $ 350,000 | $ 175,000 | $ 102,000 |
| Fresno, California | 1 | $ 145,000 | $ 145,000 | $ 61,000 |
| Alamosa, Colorado | 1 | $ 315,000 | $ 315,000 | $ 130,000 |
| Miami-Dade, Florida | 1 | $ 4,005,000 | $ 4,005,000 | $ 0 |
| Fulton, Georgia | 1 | $ 115,000 | $ 115,000 | $ 53,000 |
| St. Clair, Illinois | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Knox, Indiana | 1 | $ 325,000 | $ 325,000 | $ 133,000 |
| Page, Iowa | 1 | $ 105,000 | $ 105,000 | $ 60,000 |
| Marshall, Kansas | 1 | $ 95,000 | $ 95,000 | $ 98,000 |
| Saline, Kansas | 1 | $ 65,000 | $ 65,000 | $ 65,000 |
| Shawnee, Kansas | 1 | $ 135,000 | $ 135,000 | $ 39,000 |
| Calcasieu, Louisiana | 1 | $ 305,000 | $ 305,000 | $ 76,000 |
| Cumberland, Maine | 1 | $ 565,000 | $ 565,000 | $ 196,000 |
| Middlesex, Massachusetts | 1 | $ 515,000 | $ 515,000 | $ 125,000 |
| Genesee, Michigan | 1 | $ 175,000 | $ 175,000 | $ 42,000 |
| Bollinger, Missouri | 1 | $ 285,000 | $ 285,000 | $ 68,000 |
| Boone, Missouri | 1 | $ 95,000 | $ 95,000 | $ 256,000 |
| Cape Girardeau, Missouri | 1 | $ 85,000 | $ 85,000 | $ 21,000 |
| Cass, Missouri | 1 | $ 125,000 | $ 125,000 | $ 88,000 |
| Clay, Missouri | 1 | $ 335,000 | $ 335,000 | $ 82,000 |
| Dallas, Missouri | 1 | $ 565,000 | $ 565,000 | $ 179,000 |
| Dunklin, Missouri | 1 | $ 105,000 | $ 105,000 | $ 29,000 |
| Iron, Missouri | 1 | $ 95,000 | $ 95,000 | $ 190,000 |
| Miller, Missouri | 1 | $ 275,000 | $ 275,000 | $ 364,000 |
| Morgan, Missouri | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Pike, Missouri | 1 | $ 555,000 | $ 555,000 | $ 127,000 |
| Scott, Missouri | 1 | $ 125,000 | $ 125,000 | $ 88,000 |
| Warren, Missouri | 1 | $ 145,000 | $ 145,000 | $ 32,000 |
| Clark, Nevada | 1 | $ 575,000 | $ 575,000 | $ 0 |
| Rockingham, New Hampshire | 1 | $ 525,000 | $ 525,000 | $ 76,000 |
| Torrance, New Mexico | 1 | $ 225,000 | $ 225,000 | $ 103,000 |
| Valencia, New Mexico | 1 | $ 155,000 | $ 155,000 | $ 87,000 |
| New York, New York | 1 | $ 565,000 | $ 565,000 | $ 160,000 |
| Muskogee, Oklahoma | 1 | $ 445,000 | $ 445,000 | $ 294,000 |
| Tulsa, Oklahoma | 1 | $ 195,000 | $ 195,000 | $ 82,000 |
| Lane, Oregon | 1 | $ 1,005,000 | $ 1,005,000 | $ 0 |
| Multnomah, Oregon | 1 | $ 215,000 | $ 215,000 | $ 197,000 |
| Aiken, South Carolina | 1 | $ 55,000 | $ 55,000 | $ 63,000 |
| Denton, Texas | 1 | $ 605,000 | $ 605,000 | $ 1,356,000 |
| Garfield, Utah | 1 | $ 455,000 | $ 455,000 | $ 0 |
| King, Washington | 1 | $ 225,000 | $ 225,000 | $ 112,000 |
Mortgage Loan Application Detail Totals for Enterprise Bank & Trust in 2022
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 | 301 | $93,115,000 | $309,000 | $1,655,000 | $128,000 | $1,559,000 |
| Refinancing | 106 | $34,630,000 | $326,000 | $4,005,000 | $121,000 | $500,000 |
| Cash-out Refinancing | 91 | $25,575,000 | $281,000 | $975,000 | $136,000 | $1,356,000 |
| Home Improvement | 34 | $17,730,000 | $521,000 | $5,405,000 | $235,000 | $1,930,000 |
| Other Purpose | 7 | $1,455,000 | $207,000 | $535,000 | $141,000 | $367,000 |
| 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 | 285 | $87,015,000 | $305,000 | $1,655,000 | $148,000 | $1,559,000 |
| Not applicable | 109 | $46,495,000 | $426,000 | $4,005,000 | $0 | $0 |
| Hispanic | 99 | $20,205,000 | $204,000 | $645,000 | $82,000 | $375,000 |
| Black or African American | 17 | $2,875,000 | $169,000 | $365,000 | $77,000 | $256,000 |
| Not Provided | 15 | $3,725,000 | $248,000 | $525,000 | $108,000 | $201,000 |
| Asian | 12 | $6,590,000 | $549,000 | $1,255,000 | $266,000 | $1,356,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $195,000 | $195,000 | $195,000 | $71,000 | $71,000 |
| American Indian or Alaskan Native | 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) | 498 | $162,440,000 | $326,000 | $5,405,000 | $142,000 | $1,930,000 |
| FHA-insured (Federal Housing Administration) | 36 | $7,060,000 | $196,000 | $395,000 | $63,000 | $167,000 |
| VA-guaranteed (Veterans Administration) | 5 | $3,005,000 | $601,000 | $905,000 | $142,000 | $200,000 |
| 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 | 339 | $113,875,000 | $335,000 | $4,005,000 | $136,000 | $952,000 |
| Application Denied By Financial Institution | 71 | $15,005,000 | $211,000 | $1,005,000 | $82,000 | $558,000 |
| Application Withdrawn By Applicant | 71 | $22,945,000 | $323,000 | $1,655,000 | $166,000 | $1,559,000 |
| Application Approved But Not Accepted | 35 | $13,045,000 | $372,000 | $5,405,000 | $242,000 | $1,930,000 |
| File Closed For Incompleteness | 23 | $7,635,000 | $331,000 | $3,025,000 | $115,000 | $635,000 |
| 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 | 468 | $157,500,000 | $336,000 | $5,405,000 | $146,000 | $1,930,000 |
| Debt-To-Income Ratio | 33 | $6,755,000 | $204,000 | $1,005,000 | $52,000 | $185,000 |
| Credit History | 18 | $2,380,000 | $132,000 | $425,000 | $78,000 | $263,000 |
| Collateral | 12 | $3,920,000 | $326,000 | $965,000 | $172,000 | $558,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,555,000 | $311,000 | $645,000 | $111,000 | $271,000 |
| Other | 3 | $395,000 | $131,000 | $165,000 | $49,000 | $80,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Enterprise Bank & Trust's 2022 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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