Enterprise Bank & Trust Mortgage Lending & HMDA Data, 2023
In 2023, Enterprise Bank & Trust of Clayton, MO reported 382 mortgage applications totaling $191.9 million, down 29% from 2022. The average application was for $502,408, and applicants reported an average income of $143,361. 65% of its applications resulted in an originated loan and 15% were denied. Its largest markets were St. Louis, MO-IL (198), Kansas City, MO-KS (65) and Santa Fe, NM (31) (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 | 382 |
| Total Mortgage Loan Application Amount | $191,920,000 |
| Average Mortgage Loan Application Amount | $502,408 |
| Highest Mortgage Loan Application Amount | $14,705,000 |
| Average Applicant Income | $143,361 |
| Highest Applicant Income | $1,492,000 |
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(HMDA) records Enterprise Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 68 | $ 18,340,000 | $ 269,705 | $ 272,000 |
| Jefferson, Missouri | 59 | $ 9,495,000 | $ 160,932 | $ 91,000 |
| St. Louis City, Missouri | 38 | $ 13,800,000 | $ 363,157 | $ 165,000 |
| Santa Fe, New Mexico | 31 | $ 14,265,000 | $ 460,161 | $ 172,000 |
| Wyandotte, Kansas | 28 | $ 3,380,000 | $ 120,714 | $ 67,000 |
| Johnson, Kansas | 22 | $ 3,120,000 | $ 141,818 | $ 71,000 |
| Los Alamos, New Mexico | 22 | $ 7,480,000 | $ 340,000 | $ 160,000 |
| St. Charles, Missouri | 20 | $ 5,800,000 | $ 290,000 | $ 183,000 |
| Jackson, Missouri | 12 | $ 1,660,000 | $ 138,333 | $ 45,000 |
| Maricopa, Arizona | 7 | $ 9,685,000 | $ 1,383,571 | $ 322,000 |
| San Diego, California | 7 | $ 34,045,000 | $ 4,863,571 | $ 0 |
| Los Angeles, California | 5 | $ 37,105,000 | $ 7,421,000 | $ 0 |
| St. Clair, Illinois | 5 | $ 2,725,000 | $ 545,000 | $ 276,000 |
| Perry, Missouri | 5 | $ 1,025,000 | $ 205,000 | $ 70,000 |
| Bernalillo, New Mexico | 5 | $ 1,345,000 | $ 269,000 | $ 211,000 |
| Lee, Florida | 4 | $ 3,520,000 | $ 880,000 | $ 458,000 |
| San Miguel, New Mexico | 4 | $ 610,000 | $ 152,500 | $ 88,000 |
| Franklin, Missouri | 3 | $ 255,000 | $ 85,000 | $ 99,000 |
| Rio Arriba, New Mexico | 3 | $ 1,195,000 | $ 398,333 | $ 173,000 |
| Taos, New Mexico | 3 | $ 805,000 | $ 268,333 | $ 70,000 |
| Orange, California | 2 | $ 5,620,000 | $ 2,810,000 | $ 0 |
| Madison, Illinois | 2 | $ 250,000 | $ 125,000 | $ 78,000 |
| Douglas, Kansas | 2 | $ 520,000 | $ 260,000 | $ 96,000 |
| Warren, Missouri | 2 | $ 360,000 | $ 180,000 | $ 76,000 |
| Sandoval, New Mexico | 2 | $ 540,000 | $ 270,000 | $ 215,000 |
| Denver, Colorado | 1 | $ 155,000 | $ 155,000 | $ 94,000 |
| Larimer, Colorado | 1 | $ 225,000 | $ 225,000 | $ 170,000 |
| Collier, Florida | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Santa Rosa, Florida | 1 | $ 1,505,000 | $ 1,505,000 | $ 0 |
| Monroe, Illinois | 1 | $ 65,000 | $ 65,000 | $ 22,000 |
| Atchison, Kansas | 1 | $ 285,000 | $ 285,000 | $ 160,000 |
| Leavenworth, Kansas | 1 | $ 215,000 | $ 215,000 | $ 52,000 |
| Miami, Kansas | 1 | $ 265,000 | $ 265,000 | $ 99,000 |
| Sedgwick, Kansas | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Boone, Missouri | 1 | $ 105,000 | $ 105,000 | $ 1,005,000 |
| Camden, Missouri | 1 | $ 215,000 | $ 215,000 | $ 88,000 |
| Cape Girardeau, Missouri | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Greene, Missouri | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Platte, Missouri | 1 | $ 205,000 | $ 205,000 | $ 193,000 |
| Washington, Missouri | 1 | $ 125,000 | $ 125,000 | $ 31,000 |
| Clark, Nevada | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Hamilton, Ohio | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Tulsa, Oklahoma | 1 | $ 4,905,000 | $ 4,905,000 | $ 0 |
| Potter, Texas | 1 | $ 4,205,000 | $ 4,205,000 | $ 0 |
| Utah, Utah | 1 | $ 555,000 | $ 555,000 | $ 141,000 |
| Pierce, Washington | 1 | $ 625,000 | $ 625,000 | $ 0 |
Mortgage Loan Application Detail Totals for Enterprise Bank & Trust in 2023
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 | 210 | $82,360,000 | $392,000 | $5,705,000 | $167,000 | $1,492,000 |
| Refinancing | 62 | $71,160,000 | $1,147,000 | $14,705,000 | $81,000 | $267,000 |
| Home Improvement | 56 | $28,510,000 | $509,000 | $11,905,000 | $136,000 | $690,000 |
| Other Purpose | 39 | $5,435,000 | $139,000 | $755,000 | $114,000 | $693,000 |
| Cash-out Refinancing | 15 | $4,455,000 | $297,000 | $1,305,000 | $174,000 | $443,000 |
| 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 | 173 | $47,755,000 | $276,000 | $1,505,000 | $163,000 | $1,492,000 |
| Not applicable | 116 | $123,870,000 | $1,067,000 | $14,705,000 | $0 | $0 |
| Hispanic | 72 | $13,580,000 | $188,000 | $675,000 | $88,000 | $358,000 |
| Asian | 10 | $3,030,000 | $303,000 | $595,000 | $180,000 | $690,000 |
| Not Provided | 5 | $1,575,000 | $315,000 | $555,000 | $168,000 | $328,000 |
| Black or African American | 4 | $1,620,000 | $405,000 | $635,000 | $364,000 | $694,000 |
| American Indian or Alaskan Native | 2 | $490,000 | $245,000 | $475,000 | $140,000 | $233,000 |
| 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) | 366 | $187,730,000 | $512,000 | $14,705,000 | $150,000 | $1,492,000 |
| FHA-insured (Federal Housing Administration) | 14 | $2,990,000 | $213,000 | $295,000 | $74,000 | $128,000 |
| VA-guaranteed (Veterans Administration) | 2 | $1,200,000 | $600,000 | $615,000 | $147,000 | $153,000 |
| 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 | 247 | $153,475,000 | $621,000 | $14,705,000 | $166,000 | $1,492,000 |
| Application Denied By Financial Institution | 57 | $11,885,000 | $208,000 | $1,435,000 | $94,000 | $443,000 |
| Application Withdrawn By Applicant | 45 | $17,315,000 | $384,000 | $2,305,000 | $169,000 | $1,005,000 |
| Application Approved But Not Accepted | 24 | $7,500,000 | $312,000 | $865,000 | $119,000 | $254,000 |
| File Closed For Incompleteness | 9 | $1,745,000 | $193,000 | $605,000 | $84,000 | $239,000 |
| 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 | 325 | $180,035,000 | $553,000 | $14,705,000 | $160,000 | $1,492,000 |
| Debt-To-Income Ratio | 22 | $3,110,000 | $141,000 | $425,000 | $53,000 | $155,000 |
| Collateral | 14 | $3,080,000 | $220,000 | $905,000 | $134,000 | $293,000 |
| Credit History | 12 | $3,840,000 | $320,000 | $1,435,000 | $126,000 | $443,000 |
| Other | 4 | $950,000 | $237,000 | $405,000 | $0 | $0 |
| Unverifiable Information | 3 | $415,000 | $138,000 | $235,000 | $68,000 | $103,000 |
| Employment History | 2 | $490,000 | $245,000 | $315,000 | $194,000 | $254,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2023 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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