Enterprise Bank & Trust Mortgage Lending & HMDA Data, 2022
In 2022, Enterprise Bank & Trust of Clayton, MO reported 539 mortgage applications totaling $172.5 million, down 47% from 2021. The average application was for $320,046, and applicants reported an average income of $134,892. 63% of its applications resulted in an originated loan and 13% were denied. Its largest markets were St. Louis, MO-IL (197), Kansas City, MO-KS (94) and Santa Fe, NM (74) (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 | 539 |
| Total Mortgage Loan Application Amount | $172,505,000 |
| Average Mortgage Loan Application Amount | $320,046 |
| Highest Mortgage Loan Application Amount | $5,405,000 |
| Average Applicant Income | $134,892 |
| Highest Applicant Income | $1,930,000 |
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(HMDA) records Enterprise Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2022
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 | 301 | $93,115,000 | $309,000 | $1,655,000 | $128,000 | $1,559,000 |
| Refinancing | 106 | $34,630,000 | $326,000 | $4,005,000 | $121,000 | $500,000 |
| Cash-out Refinancing | 91 | $25,575,000 | $281,000 | $975,000 | $136,000 | $1,356,000 |
| Home Improvement | 34 | $17,730,000 | $521,000 | $5,405,000 | $235,000 | $1,930,000 |
| Other Purpose | 7 | $1,455,000 | $207,000 | $535,000 | $141,000 | $367,000 |
| 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 | 285 | $87,015,000 | $305,000 | $1,655,000 | $148,000 | $1,559,000 |
| Not applicable | 109 | $46,495,000 | $426,000 | $4,005,000 | $0 | $0 |
| Hispanic | 99 | $20,205,000 | $204,000 | $645,000 | $82,000 | $375,000 |
| Black or African American | 17 | $2,875,000 | $169,000 | $365,000 | $77,000 | $256,000 |
| Not Provided | 15 | $3,725,000 | $248,000 | $525,000 | $108,000 | $201,000 |
| Asian | 12 | $6,590,000 | $549,000 | $1,255,000 | $266,000 | $1,356,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $195,000 | $195,000 | $195,000 | $71,000 | $71,000 |
| 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) | 498 | $162,440,000 | $326,000 | $5,405,000 | $142,000 | $1,930,000 |
| FHA-insured (Federal Housing Administration) | 36 | $7,060,000 | $196,000 | $395,000 | $63,000 | $167,000 |
| VA-guaranteed (Veterans Administration) | 5 | $3,005,000 | $601,000 | $905,000 | $142,000 | $200,000 |
| 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 | 339 | $113,875,000 | $335,000 | $4,005,000 | $136,000 | $952,000 |
| Application Denied By Financial Institution | 71 | $15,005,000 | $211,000 | $1,005,000 | $82,000 | $558,000 |
| Application Withdrawn By Applicant | 71 | $22,945,000 | $323,000 | $1,655,000 | $166,000 | $1,559,000 |
| Application Approved But Not Accepted | 35 | $13,045,000 | $372,000 | $5,405,000 | $242,000 | $1,930,000 |
| File Closed For Incompleteness | 23 | $7,635,000 | $331,000 | $3,025,000 | $115,000 | $635,000 |
| 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 | 468 | $157,500,000 | $336,000 | $5,405,000 | $146,000 | $1,930,000 |
| Debt-To-Income Ratio | 33 | $6,755,000 | $204,000 | $1,005,000 | $52,000 | $185,000 |
| Credit History | 18 | $2,380,000 | $132,000 | $425,000 | $78,000 | $263,000 |
| Collateral | 12 | $3,920,000 | $326,000 | $965,000 | $172,000 | $558,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,555,000 | $311,000 | $645,000 | $111,000 | $271,000 |
| Other | 3 | $395,000 | $131,000 | $165,000 | $49,000 | $80,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Enterprise Bank & Trust's 2022 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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