Enterprise Bank & Trust Mortgage Lending & HMDA Data, 2005
In 2005, Enterprise Bank & Trust of Clayton, MO reported 590 mortgage applications totaling $114.4 million, up 59% from 2004. The average application was for $193,900, and applicants reported an average income of $110,906. 90% of its applications resulted in an originated loan and 2% were denied. Its largest markets were St. Louis, MO-IL (452), Nashville-Davidson--Murfreesboro, TN (18) and Kansas City, MO-KS (16) (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 | 590 |
| Total Mortgage Loan Application Amount | $114,401,000 |
| Average Mortgage Loan Application Amount | $193,900 |
| Highest Mortgage Loan Application Amount | $7,000,000 |
| Average Applicant Income | $110,906 |
| Highest Applicant Income | $1,068,000 |
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(HMDA) records Enterprise Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Enterprise Bank & Trust in 2005
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 | 357 | $67,834,000 | $284,909 | $1,437,000 | $167,818 | $1,068,000 |
| Refinancing | 210 | $41,950,000 | $223,200 | $7,000,000 | $85,600 | $650,000 |
| Home Improvement | 23 | $4,617,000 | $231,500 | $610,000 | $134,500 | $321,000 |
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 | 371 | $68,000,000 | $258,454 | $768,000 | $166,727 | $1,068,000 |
| Not applicable | 194 | $40,022,000 | $393,800 | $7,000,000 | $0 | $0 |
| Not Provided | 11 | $3,485,000 | $307,000 | $639,000 | $170,500 | $384,000 |
| Black or African American | 7 | $978,000 | $139,000 | $400,000 | $178,000 | $325,000 |
| Hispanic | 5 | $1,404,000 | $280,000 | $520,000 | $66,000 | $184,000 |
| American Indian or Alaskan Native | 1 | $352,000 | $352,000 | $352,000 | $158,000 | $158,000 |
| Asian | 1 | $160,000 | $160,000 | $160,000 | $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) | 590 | $114,401,000 | $278,166 | $7,000,000 | $147,666 | $1,068,000 |
| 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 | 529 | $96,154,000 | $285,000 | $1,700,000 | $149,363 | $1,068,000 |
| Application Withdrawn By Applicant | 26 | $12,261,000 | $413,000 | $7,000,000 | $203,500 | $650,000 |
| Application Approved But Not Accepted | 19 | $4,159,000 | $186,333 | $558,000 | $153,333 | $446,000 |
| Application Denied By Financial Institution | 14 | $1,434,000 | $92,500 | $249,000 | $137,000 | $475,000 |
| Preapproval Approved but not Accepted | 2 | $393,000 | $196,000 | $257,000 | $77,000 | $100,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 6 | $353,000 | $58,500 | $65,000 | $90,500 | $102,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Enterprise Bank & Trust's 2005 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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