Enterprise Bank & Trust Mortgage Lending & HMDA Data, 2018
In 2018, Enterprise Bank & Trust of Clayton, MO reported 434 mortgage applications totaling $100.4 million, down 59% from 2017. The average application was for $231,405, and applicants reported an average income of $128,663. 68% of its applications resulted in an originated loan and 11% were denied. Its largest markets were St. Louis, MO-IL (284), Kansas City, MO-KS (88) and Cape Girardeau, MO-IL (7) (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 | 434 |
| Total Mortgage Loan Application Amount | $100,430,000 |
| Average Mortgage Loan Application Amount | $231,405 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $128,663 |
| Highest Applicant Income | $3,400,000 |
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(HMDA) records Enterprise Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2018
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 | 271 | $60,535,000 | $223,000 | $2,255,000 | $117,000 | $3,400,000 |
| Cash-out Refinancing | 56 | $12,170,000 | $217,000 | $2,465,000 | $116,000 | $822,000 |
| Refinancing | 56 | $18,370,000 | $328,000 | $2,465,000 | $195,000 | $1,457,000 |
| Home Improvement | 30 | $7,470,000 | $249,000 | $3,005,000 | $156,000 | $872,000 |
| Other Purpose | 21 | $1,885,000 | $89,000 | $505,000 | $97,000 | $304,000 |
| 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 | 255 | $64,685,000 | $253,000 | $3,005,000 | $147,000 | $1,457,000 |
| Not applicable | 74 | $22,670,000 | $306,000 | $2,255,000 | $0 | $0 |
| Hispanic | 54 | $4,460,000 | $82,000 | $255,000 | $51,000 | $166,000 |
| Black or African American | 36 | $3,820,000 | $106,000 | $365,000 | $48,000 | $121,000 |
| Asian | 9 | $1,335,000 | $148,000 | $305,000 | $73,000 | $239,000 |
| Not Provided | 4 | $2,900,000 | $725,000 | $2,255,000 | $915,000 | $3,400,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $560,000 | $280,000 | $405,000 | $188,000 | $342,000 |
| American Indian or Alaskan Native | 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) | 359 | $92,005,000 | $256,000 | $3,005,000 | $152,000 | $3,400,000 |
| FHA-insured (Federal Housing Administration) | 65 | $6,815,000 | $104,000 | $285,000 | $44,000 | $140,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $825,000 | $165,000 | $195,000 | $55,000 | $69,000 |
| VA-guaranteed (Veterans Administration) | 5 | $785,000 | $157,000 | $315,000 | $55,000 | $75,000 |
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 | 293 | $68,595,000 | $234,000 | $2,465,000 | $146,000 | $3,400,000 |
| Application Denied By Financial Institution | 47 | $5,075,000 | $107,000 | $705,000 | $49,000 | $140,000 |
| Application Withdrawn By Applicant | 33 | $10,215,000 | $309,000 | $2,255,000 | $119,000 | $682,000 |
| File Closed For Incompleteness | 27 | $6,865,000 | $254,000 | $955,000 | $184,000 | $872,000 |
| Application Approved But Not Accepted | 24 | $8,710,000 | $362,000 | $3,005,000 | $110,000 | $370,000 |
| Preapproval Approved but not Accepted | 6 | $580,000 | $96,000 | $145,000 | $57,000 | $79,000 |
| Preapproval Denied by Financial Institution | 4 | $390,000 | $97,000 | $215,000 | $26,000 | $42,000 |
| Loan Purchased By The 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 | 383 | $94,965,000 | $247,000 | $3,005,000 | $143,000 | $3,400,000 |
| Debt-To-Income Ratio | 26 | $2,900,000 | $111,000 | $515,000 | $39,000 | $135,000 |
| Credit History | 19 | $1,325,000 | $69,000 | $235,000 | $51,000 | $112,000 |
| Collateral | 5 | $1,125,000 | $225,000 | $705,000 | $78,000 | $140,000 |
| Other | 1 | $115,000 | $115,000 | $115,000 | $57,000 | $57,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Enterprise Bank & Trust's 2018 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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