Enterprise Bank & Trust Mortgage Lending & HMDA Data, 2020
In 2020, Enterprise Bank & Trust of Clayton, MO reported 1,396 mortgage applications totaling $382.2 million, up 104% from 2019. The average application was for $273,746, and applicants reported an average income of $154,740. 69% of its applications resulted in an originated loan and 7% were denied. Its largest markets were St. Louis, MO-IL (396), Santa Fe, NM (381) and Kansas City, MO-KS (194) (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 | 1,396 |
| Total Mortgage Loan Application Amount | $382,150,000 |
| Average Mortgage Loan Application Amount | $273,746 |
| Highest Mortgage Loan Application Amount | $6,005,000 |
| Average Applicant Income | $154,740 |
| Highest Applicant Income | $5,544,000 |
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(HMDA) records Enterprise Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2020
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 |
|---|---|---|---|---|---|---|
| Refinancing | 742 | $205,320,000 | $276,000 | $5,995,000 | $148,000 | $1,809,000 |
| Home Purchase | 448 | $129,480,000 | $289,000 | $6,005,000 | $176,000 | $5,544,000 |
| Cash-out Refinancing | 164 | $42,040,000 | $256,000 | $515,000 | $144,000 | $1,297,000 |
| Home Improvement | 21 | $2,355,000 | $112,000 | $505,000 | $71,000 | $197,000 |
| Other Purpose | 21 | $2,955,000 | $140,000 | $405,000 | $107,000 | $236,000 |
| 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 | 914 | $248,540,000 | $271,000 | $6,005,000 | $173,000 | $5,544,000 |
| Hispanic | 227 | $49,695,000 | $218,000 | $805,000 | $105,000 | $1,440,000 |
| Not applicable | 86 | $45,510,000 | $529,000 | $5,995,000 | $0 | $0 |
| Not Provided | 76 | $20,270,000 | $266,000 | $515,000 | $137,000 | $395,000 |
| Black or African American | 51 | $8,895,000 | $174,000 | $455,000 | $128,000 | $1,680,000 |
| Asian | 35 | $7,595,000 | $217,000 | $445,000 | $89,000 | $228,000 |
| American Indian or Alaskan Native | 4 | $940,000 | $235,000 | $305,000 | $123,000 | $240,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $175,000 | $175,000 | $175,000 | $40,000 | $40,000 |
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) | 1,307 | $365,165,000 | $279,000 | $6,005,000 | $161,000 | $5,544,000 |
| FHA-insured (Federal Housing Administration) | 68 | $10,970,000 | $161,000 | $485,000 | $58,000 | $224,000 |
| VA-guaranteed (Veterans Administration) | 16 | $4,840,000 | $302,000 | $475,000 | $98,000 | $223,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $1,175,000 | $235,000 | $325,000 | $76,000 | $108,000 |
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 | 960 | $268,350,000 | $279,000 | $6,005,000 | $154,000 | $5,544,000 |
| Application Withdrawn By Applicant | 226 | $59,600,000 | $263,000 | $1,725,000 | $178,000 | $1,680,000 |
| Application Denied By Financial Institution | 98 | $22,090,000 | $225,000 | $865,000 | $128,000 | $1,632,000 |
| File Closed For Incompleteness | 66 | $15,400,000 | $233,000 | $625,000 | $135,000 | $558,000 |
| Application Approved But Not Accepted | 42 | $16,150,000 | $384,000 | $5,755,000 | $139,000 | $492,000 |
| Preapproval Approved but not Accepted | 2 | $270,000 | $135,000 | $185,000 | $52,000 | $52,000 |
| Preapproval Denied by Financial Institution | 2 | $290,000 | $145,000 | $275,000 | $44,000 | $48,000 |
| 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 | 1,296 | $359,770,000 | $277,000 | $6,005,000 | $157,000 | $5,544,000 |
| Debt-To-Income Ratio | 35 | $7,845,000 | $224,000 | $515,000 | $85,000 | $580,000 |
| Credit History | 32 | $5,290,000 | $165,000 | $515,000 | $117,000 | $1,632,000 |
| Other | 12 | $3,310,000 | $275,000 | $865,000 | $135,000 | $723,000 |
| Collateral | 12 | $3,540,000 | $295,000 | $515,000 | $200,000 | $820,000 |
| Employment History | 5 | $605,000 | $121,000 | $225,000 | $99,000 | $253,000 |
| Unverifiable Information | 3 | $1,275,000 | $425,000 | $655,000 | $158,000 | $237,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $515,000 | $515,000 | $515,000 | $827,000 | $827,000 |
| 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 2020 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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