Enterprise Bank & Trust Mortgage Lending & HMDA Data, 2012
In 2012, Enterprise Bank & Trust of Clayton, MO reported 672 mortgage applications totaling $168.0 million, up 18% from 2011. The average application was for $249,940, and applicants reported an average income of $158,419. 77% of its applications resulted in an originated loan and 10% were denied. Its largest markets were St. Louis, MO-IL (451), Kansas City, MO-KS (162) and Phoenix-Mesa-Glendale, AZ (12) (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 | 672 |
| Total Mortgage Loan Application Amount | $167,960,000 |
| Average Mortgage Loan Application Amount | $249,940 |
| Highest Mortgage Loan Application Amount | $4,500,000 |
| Average Applicant Income | $158,419 |
| Highest Applicant Income | $8,521,000 |
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(HMDA) records Enterprise Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| St. Louis, MO-IL | 451 | $ 113,089,000 | $ 250,751 | $ 171,931 |
| Kansas City, MO-KS | 162 | $ 37,117,000 | $ 229,117 | $ 117,925 |
| Phoenix-Mesa-Glendale, AZ | 12 | $ 4,800,000 | $ 400,000 | $ 124,000 |
| Denver-Aurora-Broomfield, CO | 3 | $ 870,000 | $ 290,000 | $ 135,000 |
| Tucson, AZ | 3 | $ 854,000 | $ 284,666 | $ 329,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 353,000 | $ 176,500 | $ 386,000 |
| Lawrence, KS | 2 | $ 191,000 | $ 95,500 | $ 93,000 |
| Baltimore-Towson, MD | 1 | $ 192,000 | $ 192,000 | $ 74,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 44,000 | $ 44,000 | $ 60,000 |
| Chattanooga, TN-GA | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Chicago-Joliet-Naperville, IL | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Flagstaff, AZ | 1 | $ 750,000 | $ 750,000 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 265,000 | $ 265,000 | $ 257,000 |
| Naples-Marco Island, FL | 1 | $ 328,000 | $ 328,000 | $ 241,000 |
| North Port-Bradenton-Sarasota, FL | 1 | $ 250,000 | $ 250,000 | $ 47,000 |
| Oklahoma City, OK | 1 | $ 98,000 | $ 98,000 | $ 104,000 |
| Prescott, AZ | 1 | $ 113,000 | $ 113,000 | $ 38,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 113,000 | $ 113,000 | $ 101,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 342,000 | $ 342,000 | $ 253,000 |
| St. Joseph, MO-KS | 1 | $ 75,000 | $ 75,000 | $ 32,000 |
| Wichita, KS | 1 | $ 149,000 | $ 149,000 | $ 270,000 |
Mortgage Loan Application Detail Totals for Enterprise Bank & Trust in 2012
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 |
|---|---|---|---|---|---|---|
| Refinancing | 445 | $120,195,000 | $270,000 | $1,840,000 | $158,000 | $1,617,000 |
| Home Purchase | 199 | $44,925,000 | $225,000 | $4,500,000 | $168,000 | $8,521,000 |
| Home Improvement | 28 | $2,840,000 | $101,000 | $417,000 | $97,000 | $528,000 |
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 | 587 | $144,289,000 | $245,000 | $1,840,000 | $176,000 | $8,521,000 |
| Not applicable | 63 | $18,917,000 | $300,000 | $4,500,000 | $0 | $0 |
| Hispanic | 10 | $1,408,000 | $140,000 | $417,000 | $120,000 | $440,000 |
| Black or African American | 7 | $2,369,000 | $338,000 | $991,000 | $149,000 | $431,000 |
| Asian | 4 | $957,000 | $239,000 | $400,000 | $188,000 | $260,000 |
| Not Provided | 1 | $20,000 | $20,000 | $20,000 | $97,000 | $97,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 672 | $167,960,000 | $249,000 | $4,500,000 | $159,000 | $8,521,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 520 | $121,845,000 | $234,000 | $4,500,000 | $165,000 | $8,521,000 |
| Application Withdrawn By Applicant | 73 | $25,515,000 | $349,000 | $1,840,000 | $131,000 | $1,200,000 |
| Application Denied By Financial Institution | 68 | $17,957,000 | $264,000 | $1,320,000 | $149,000 | $916,000 |
| Application Approved But Not Accepted | 11 | $2,643,000 | $240,000 | $757,000 | $89,000 | $214,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| 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 2012 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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