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(HMDA) records Enterprise Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 198 | $ 51,090,000 | $ 258,030 | $ 166,858 |
| Kansas City, MO-KS | 65 | $ 8,845,000 | $ 136,076 | $ 66,600 |
| Outside any metro area | 40 | $ 11,740,000 | $ 293,500 | $ 136,350 |
| Santa Fe, NM | 31 | $ 14,265,000 | $ 460,161 | $ 172,000 |
| Albuquerque, NM | 7 | $ 1,885,000 | $ 269,285 | $ 212,000 |
| Phoenix-Mesa-Scottsdale, AZ | 7 | $ 9,685,000 | $ 1,383,571 | $ 322,000 |
| San Diego-Carlsbad, CA | 7 | $ 34,045,000 | $ 4,863,571 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 5 | $ 37,105,000 | $ 7,421,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 4 | $ 3,520,000 | $ 880,000 | $ 458,000 |
| Anaheim-Santa Ana-Irvine, CA | 2 | $ 5,620,000 | $ 2,810,000 | $ 0 |
| Lawrence, KS | 2 | $ 520,000 | $ 260,000 | $ 96,000 |
| Amarillo, TX | 1 | $ 4,205,000 | $ 4,205,000 | $ 0 |
| Cape Girardeau, MO-IL | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Cincinnati, OH-KY-IN | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Columbia, MO | 1 | $ 105,000 | $ 105,000 | $ 1,005,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 155,000 | $ 155,000 | $ 94,000 |
| Fort Collins, CO | 1 | $ 225,000 | $ 225,000 | $ 170,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 1,505,000 | $ 1,505,000 | $ 0 |
| Provo-Orem, UT | 1 | $ 555,000 | $ 555,000 | $ 141,000 |
| Springfield, MO | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Tacoma-Lakewood, WA | 1 | $ 625,000 | $ 625,000 | $ 0 |
| Tulsa, OK | 1 | $ 4,905,000 | $ 4,905,000 | $ 0 |
| Wichita, KS | 1 | $ 215,000 | $ 215,000 | $ 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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