Enterprise Bank & Trust Mortgage Lending & HMDA Data, 2014
In 2014, Enterprise Bank & Trust of Clayton, MO reported 803 mortgage applications totaling $201.1 million, up 27% from 2013. The average application was for $250,478, and applicants reported an average income of $112,658. 66% of its applications resulted in an originated loan and 12% were denied. Its largest markets were St. Louis, MO-IL (447), Kansas City, MO-KS (244) and Springfield, MO (24) (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 | 803 |
| Total Mortgage Loan Application Amount | $201,134,000 |
| Average Mortgage Loan Application Amount | $250,478 |
| Highest Mortgage Loan Application Amount | $12,025,000 |
| Average Applicant Income | $112,658 |
| Highest Applicant Income | $2,039,000 |
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(HMDA) records Enterprise Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2014
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 | 507 | $128,459,000 | $253,000 | $12,025,000 | $103,000 | $1,505,000 |
| Refinancing | 284 | $70,625,000 | $248,000 | $2,800,000 | $132,000 | $2,039,000 |
| Home Improvement | 12 | $2,050,000 | $170,000 | $660,000 | $63,000 | $325,000 |
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 | 591 | $133,864,000 | $226,000 | $1,980,000 | $139,000 | $2,039,000 |
| Hispanic | 112 | $9,417,000 | $84,000 | $445,000 | $39,000 | $242,000 |
| Not applicable | 53 | $50,202,000 | $947,000 | $12,025,000 | $0 | $0 |
| Black or African American | 30 | $3,500,000 | $116,000 | $361,000 | $59,000 | $341,000 |
| Asian | 15 | $3,762,000 | $250,000 | $855,000 | $146,000 | $602,000 |
| American Indian or Alaskan Native | 1 | $196,000 | $196,000 | $196,000 | $43,000 | $43,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $193,000 | $193,000 | $193,000 | $47,000 | $47,000 |
| 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) | 696 | $185,894,000 | $267,000 | $12,025,000 | $122,000 | $2,039,000 |
| FHA-insured (Federal Housing Administration) | 66 | $8,717,000 | $132,000 | $275,000 | $51,000 | $211,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 24 | $2,871,000 | $119,000 | $193,000 | $44,000 | $82,000 |
| VA-guaranteed (Veterans Administration) | 17 | $3,652,000 | $214,000 | $390,000 | $84,000 | $169,000 |
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 | 530 | $125,006,000 | $235,000 | $6,653,000 | $124,000 | $2,039,000 |
| Application Withdrawn By Applicant | 155 | $40,570,000 | $261,000 | $4,800,000 | $117,000 | $960,000 |
| Application Denied By Financial Institution | 97 | $18,946,000 | $195,000 | $6,100,000 | $59,000 | $311,000 |
| Application Approved But Not Accepted | 11 | $15,396,000 | $1,399,000 | $12,025,000 | $61,000 | $147,000 |
| Preapproval Denied by Financial Institution | 9 | $1,129,000 | $125,000 | $200,000 | $46,000 | $92,000 |
| Preapproval Approved but not Accepted | 1 | $87,000 | $87,000 | $87,000 | $72,000 | $72,000 |
| 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 2014 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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