Enterprise Bank & Trust Mortgage Lending & HMDA Data, 2015
In 2015, Enterprise Bank & Trust of Clayton, MO reported 1,189 mortgage applications totaling $268.6 million, up 48% from 2014. The average application was for $225,910, and applicants reported an average income of $110,631. 64% of its applications resulted in an originated loan and 12% were denied. Its largest markets were St. Louis, MO-IL (661), Kansas City, MO-KS (384) and Phoenix-Mesa-Scottsdale, AZ (29) (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 | 1,189 |
| Total Mortgage Loan Application Amount | $268,607,000 |
| Average Mortgage Loan Application Amount | $225,910 |
| Highest Mortgage Loan Application Amount | $13,657,000 |
| Average Applicant Income | $110,631 |
| Highest Applicant Income | $1,280,000 |
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(HMDA) records Enterprise Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 661 | $ 156,266,000 | $ 236,408 | $ 120,346 |
| Kansas City, MO-KS | 384 | $ 75,312,000 | $ 196,125 | $ 81,007 |
| Phoenix-Mesa-Scottsdale, AZ | 29 | $ 13,328,000 | $ 459,586 | $ 231,000 |
| Springfield, MO | 5 | $ 514,000 | $ 102,800 | $ 73,000 |
| Lawrence, KS | 3 | $ 405,000 | $ 135,000 | $ 49,000 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 884,000 | $ 294,666 | $ 320,000 |
| Bloomington, IL | 2 | $ 268,000 | $ 134,000 | $ 83,000 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 896,000 | $ 448,000 | $ 222,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 224,000 | $ 112,000 | $ 42,000 |
| Midland, TX | 2 | $ 615,000 | $ 307,500 | $ 85,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 817,000 | $ 408,500 | $ 225,000 |
| Oakland-Hayward-Berkeley, CA | 2 | $ 1,282,000 | $ 641,000 | $ 231,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 470,000 | $ 235,000 | $ 106,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 535,000 | $ 267,500 | $ 185,000 |
| Pittsburgh, PA | 2 | $ 427,000 | $ 213,500 | $ 90,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 278,000 | $ 139,000 | $ 625,000 |
| Wichita, KS | 2 | $ 385,000 | $ 192,500 | $ 112,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 362,000 | $ 362,000 | $ 127,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 223,000 | $ 223,000 | $ 203,000 |
| Cape Girardeau, MO-IL | 1 | $ 243,000 | $ 243,000 | $ 102,000 |
| Carbondale-Marion, IL | 1 | $ 148,000 | $ 148,000 | $ 378,000 |
| Charleston-North Charleston, SC | 1 | $ 372,000 | $ 372,000 | $ 298,000 |
| Chicago-Naperville-Arlington Heights, IL | 1 | $ 253,000 | $ 253,000 | $ 118,000 |
| Colorado Springs, CO | 1 | $ 132,000 | $ 132,000 | $ 67,000 |
| Columbia, MO | 1 | $ 158,000 | $ 158,000 | $ 137,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 309,000 | $ 309,000 | $ 254,000 |
| Dallas-Plano-Irving, TX | 1 | $ 150,000 | $ 150,000 | $ 56,000 |
| Dover, DE | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 85,000 | $ 85,000 | $ 82,000 |
| Greeley, CO | 1 | $ 314,000 | $ 314,000 | $ 102,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 145,000 | $ 145,000 | $ 43,000 |
| Joplin, MO | 1 | $ 82,000 | $ 82,000 | $ 0 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 345,000 | $ 345,000 | $ 250,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 314,000 | $ 314,000 | $ 132,000 |
| Muskegon, MI | 1 | $ 137,000 | $ 137,000 | $ 252,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 50,000 | $ 50,000 | $ 60,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 475,000 | $ 475,000 | $ 78,000 |
| Ogden-Clearfield, UT | 1 | $ 208,000 | $ 208,000 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 150,000 | $ 150,000 | $ 100,000 |
| Panama City, FL | 1 | $ 157,000 | $ 157,000 | $ 86,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 120,000 | $ 120,000 | $ 162,000 |
| Philadelphia, PA | 1 | $ 378,000 | $ 378,000 | $ 175,000 |
| Punta Gorda, FL | 1 | $ 210,000 | $ 210,000 | $ 147,000 |
| San Diego-Carlsbad, CA | 1 | $ 650,000 | $ 650,000 | $ 307,000 |
| Santa Fe, NM | 1 | $ 417,000 | $ 417,000 | $ 108,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 863,000 | $ 863,000 | $ 0 |
| Tacoma-Lakewood, WA | 1 | $ 340,000 | $ 340,000 | $ 253,000 |
| Toledo, OH | 1 | $ 51,000 | $ 51,000 | $ 58,000 |
| Topeka, KS | 1 | $ 60,000 | $ 60,000 | $ 48,000 |
| Tucson, AZ | 1 | $ 179,000 | $ 179,000 | $ 59,000 |
| Urban Honolulu, HI | 1 | $ 350,000 | $ 350,000 | $ 44,000 |
Mortgage Loan Application Detail Totals for Enterprise Bank & Trust in 2015
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 | 610 | $139,918,000 | $229,000 | $13,657,000 | $104,000 | $1,134,000 |
| Refinancing | 562 | $126,667,000 | $225,000 | $2,349,000 | $118,000 | $1,280,000 |
| Home Improvement | 17 | $2,022,000 | $118,000 | $430,000 | $105,000 | $741,000 |
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 | 924 | $215,257,000 | $232,000 | $2,349,000 | $128,000 | $1,280,000 |
| Hispanic | 111 | $10,261,000 | $92,000 | $412,000 | $38,000 | $217,000 |
| Not applicable | 63 | $25,846,000 | $410,000 | $13,657,000 | $0 | $0 |
| Black or African American | 44 | $7,516,000 | $170,000 | $817,000 | $95,000 | $750,000 |
| Asian | 40 | $8,097,000 | $202,000 | $1,200,000 | $111,000 | $372,000 |
| American Indian or Alaskan Native | 7 | $1,630,000 | $232,000 | $338,000 | $118,000 | $317,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 986 | $237,349,000 | $240,000 | $13,657,000 | $123,000 | $1,280,000 |
| FHA-insured (Federal Housing Administration) | 162 | $24,585,000 | $151,000 | $281,000 | $53,000 | $200,000 |
| VA-guaranteed (Veterans Administration) | 22 | $3,996,000 | $181,000 | $362,000 | $72,000 | $144,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $2,677,000 | $140,000 | $240,000 | $48,000 | $85,000 |
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 | 759 | $184,427,000 | $242,000 | $13,657,000 | $118,000 | $1,280,000 |
| Application Withdrawn By Applicant | 269 | $55,901,000 | $207,000 | $1,680,000 | $115,000 | $996,000 |
| Application Denied By Financial Institution | 137 | $24,379,000 | $177,000 | $1,017,000 | $68,000 | $368,000 |
| Application Approved But Not Accepted | 10 | $1,933,000 | $193,000 | $650,000 | $162,000 | $663,000 |
| Preapproval Approved but not Accepted | 7 | $1,254,000 | $179,000 | $468,000 | $88,000 | $136,000 |
| Preapproval Denied by Financial Institution | 7 | $713,000 | $101,000 | $147,000 | $23,000 | $75,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 2015 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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