Enterprise Bank & Trust Mortgage Lending & HMDA Data, 2016
In 2016, Enterprise Bank & Trust of Clayton, MO reported 1,319 mortgage applications totaling $292.6 million, up 11% from 2015. The average application was for $221,836, and applicants reported an average income of $120,287. 70% of its applications resulted in an originated loan and 11% were denied. Its largest markets were St. Louis, MO-IL (620), Kansas City, MO-KS (547) and Phoenix-Mesa-Scottsdale, AZ (25) (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 | 1,319 |
| Total Mortgage Loan Application Amount | $292,602,000 |
| Average Mortgage Loan Application Amount | $221,836 |
| Highest Mortgage Loan Application Amount | $3,900,000 |
| Average Applicant Income | $120,287 |
| Highest Applicant Income | $9,999,000 |
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(HMDA) records Enterprise Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 620 | $ 154,348,000 | $ 248,948 | $ 143,203 |
| Kansas City, MO-KS | 547 | $ 98,492,000 | $ 180,058 | $ 86,177 |
| Phoenix-Mesa-Scottsdale, AZ | 25 | $ 10,663,000 | $ 426,520 | $ 140,000 |
| Lawrence, KS | 7 | $ 1,237,000 | $ 176,714 | $ 69,000 |
| Topeka, KS | 4 | $ 231,000 | $ 57,750 | $ 52,000 |
| Chicago-Naperville-Arlington Heights, IL | 3 | $ 959,000 | $ 319,666 | $ 181,000 |
| Pittsburgh, PA | 3 | $ 868,000 | $ 289,333 | $ 97,000 |
| Springfield, MO | 3 | $ 344,000 | $ 114,666 | $ 46,000 |
| Austin-Round Rock, TX | 2 | $ 318,000 | $ 159,000 | $ 226,000 |
| Canton-Massillon, OH | 2 | $ 210,000 | $ 105,000 | $ 20,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 838,000 | $ 419,000 | $ 229,000 |
| Dallas-Plano-Irving, TX | 2 | $ 548,000 | $ 274,000 | $ 107,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 730,000 | $ 365,000 | $ 99,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 337,000 | $ 168,500 | $ 60,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 1,075,000 | $ 537,500 | $ 202,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 2,725,000 | $ 1,362,500 | $ 1,116,000 |
| San Diego-Carlsbad, CA | 2 | $ 925,000 | $ 462,500 | $ 165,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 262,000 | $ 262,000 | $ 88,000 |
| Cape Girardeau, MO-IL | 1 | $ 117,000 | $ 117,000 | $ 33,000 |
| Carbondale-Marion, IL | 1 | $ 300,000 | $ 300,000 | $ 451,000 |
| Charleston-North Charleston, SC | 1 | $ 295,000 | $ 295,000 | $ 164,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 144,000 | $ 144,000 | $ 143,000 |
| Columbia, MO | 1 | $ 180,000 | $ 180,000 | $ 182,000 |
| Columbus, GA-AL | 1 | $ 89,000 | $ 89,000 | $ 39,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 177,000 | $ 177,000 | $ 150,000 |
| Des Moines-West Des Moines, IA | 1 | $ 131,000 | $ 131,000 | $ 86,000 |
| Elgin, IL | 1 | $ 195,000 | $ 195,000 | $ 144,000 |
| Fort Collins, CO | 1 | $ 235,000 | $ 235,000 | $ 156,000 |
| Greeley, CO | 1 | $ 314,000 | $ 314,000 | $ 132,000 |
| Jacksonville, FL | 1 | $ 409,000 | $ 409,000 | $ 165,000 |
| Joplin, MO | 1 | $ 58,000 | $ 58,000 | $ 29,000 |
| Lafayette-West Lafayette, IN | 1 | $ 128,000 | $ 128,000 | $ 24,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 1,500,000 | $ 1,500,000 | $ 450,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 460,000 | $ 460,000 | $ 2,362,000 |
| Manhattan, KS | 1 | $ 139,000 | $ 139,000 | $ 115,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 142,000 | $ 142,000 | $ 93,000 |
| Ocala, FL | 1 | $ 90,000 | $ 90,000 | $ 24,000 |
| Oklahoma City, OK | 1 | $ 102,000 | $ 102,000 | $ 36,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 159,000 | $ 159,000 | $ 178,000 |
| Prescott, AZ | 1 | $ 510,000 | $ 510,000 | $ 245,000 |
| Richmond, VA | 1 | $ 235,000 | $ 235,000 | $ 55,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 192,000 | $ 192,000 | $ 94,000 |
| Sebastian-Vero Beach, FL | 1 | $ 417,000 | $ 417,000 | $ 481,000 |
| St. Joseph, MO-KS | 1 | $ 131,000 | $ 131,000 | $ 18,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 176,000 | $ 176,000 | $ 93,000 |
| Tucson, AZ | 1 | $ 114,000 | $ 114,000 | $ 34,000 |
| Tulsa, OK | 1 | $ 288,000 | $ 288,000 | $ 595,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 221,000 | $ 221,000 | $ 147,000 |
| Wichita, KS | 1 | $ 113,000 | $ 113,000 | $ 69,000 |
Mortgage Loan Application Detail Totals for Enterprise Bank & Trust in 2016
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 | 772 | $164,634,000 | $213,000 | $3,900,000 | $98,000 | $2,362,000 |
| Refinancing | 528 | $126,956,000 | $240,000 | $3,525,000 | $154,000 | $9,999,000 |
| Home Improvement | 19 | $1,012,000 | $53,000 | $300,000 | $89,000 | $492,000 |
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 | 949 | $234,203,000 | $246,000 | $3,525,000 | $146,000 | $9,999,000 |
| Hispanic | 178 | $19,460,000 | $109,000 | $600,000 | $63,000 | $1,515,000 |
| Black or African American | 69 | $9,101,000 | $131,000 | $354,000 | $54,000 | $142,000 |
| Not applicable | 52 | $17,233,000 | $331,000 | $3,900,000 | $0 | $0 |
| Asian | 52 | $9,674,000 | $186,000 | $417,000 | $72,000 | $336,000 |
| Not Provided | 17 | $2,321,000 | $136,000 | $239,000 | $66,000 | $229,000 |
| American Indian or Alaskan Native | 2 | $610,000 | $305,000 | $332,000 | $240,000 | $363,000 |
| Native Hawaiin 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) | 1,034 | $249,828,000 | $241,000 | $3,900,000 | $137,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 222 | $30,808,000 | $138,000 | $283,000 | $54,000 | $193,000 |
| VA-guaranteed (Veterans Administration) | 51 | $10,624,000 | $208,000 | $641,000 | $75,000 | $180,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $1,342,000 | $111,000 | $173,000 | $42,000 | $71,000 |
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 | 921 | $212,568,000 | $230,000 | $3,900,000 | $128,000 | $9,999,000 |
| Application Withdrawn By Applicant | 160 | $37,352,000 | $233,000 | $2,900,000 | $107,000 | $2,079,000 |
| Application Denied By Financial Institution | 148 | $21,871,000 | $147,000 | $840,000 | $78,000 | $1,247,000 |
| File Closed For Incompleteness | 45 | $9,854,000 | $218,000 | $1,500,000 | $125,000 | $894,000 |
| Application Approved But Not Accepted | 40 | $10,319,000 | $257,000 | $1,500,000 | $141,000 | $492,000 |
| Preapproval Denied by Financial Institution | 5 | $638,000 | $127,000 | $162,000 | $48,000 | $70,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 2016 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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