Stifel Bank & Trust Mortgage Lending & HMDA Data, 2019
In 2019, Stifel Bank & Trust of St. Louis, MO reported 7,535 mortgage applications totaling $2.7 billion, up 44% from 2018. The average application was for $359,090, and applicants reported an average income of $213,231. 88% of its applications resulted in an originated loan and 2% were denied. Its largest markets were St. Louis, MO-IL (2,784), Kansas City, MO-KS (209) and Jacksonville, FL (130) (applications in parentheses).
| Mortgage Company & Address | Stifel Bank & Trust 501 North Broadway St. Louis, MO 63102 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 |
| Total Number of Mortgage Applications | 7,535 |
| Total Mortgage Loan Application Amount | $2,705,745,000 |
| Average Mortgage Loan Application Amount | $359,090 |
| Highest Mortgage Loan Application Amount | $9,005,000 |
| Average Applicant Income | $213,231 |
| Highest Applicant Income | $7,757,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Stifel Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Stifel Bank & Trust in 2019
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 | 4,171 | $1,219,285,000 | $292,000 | $8,455,000 | $184,000 | $7,757,000 |
| Refinancing | 1,954 | $834,370,000 | $427,000 | $9,005,000 | $244,000 | $4,460,000 |
| Cash-out Refinancing | 1,154 | $515,180,000 | $446,000 | $5,005,000 | $228,000 | $5,982,000 |
| Other Purpose | 239 | $132,355,000 | $553,000 | $7,805,000 | $404,000 | $5,285,000 |
| Home Improvement | 17 | $4,555,000 | $267,000 | $605,000 | $164,000 | $379,000 |
| 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 | 6,141 | $2,219,645,000 | $361,000 | $8,455,000 | $212,000 | $7,757,000 |
| Not Provided | 660 | $303,220,000 | $459,000 | $9,005,000 | $283,000 | $5,982,000 |
| Black or African American | 253 | $54,435,000 | $215,000 | $4,005,000 | $115,000 | $2,500,000 |
| Asian | 236 | $67,770,000 | $287,000 | $2,005,000 | $184,000 | $1,985,000 |
| Hispanic | 218 | $53,550,000 | $245,000 | $2,505,000 | $179,000 | $1,850,000 |
| American Indian or Alaskan Native | 12 | $3,170,000 | $264,000 | $905,000 | $132,000 | $347,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,525,000 | $217,000 | $435,000 | $71,000 | $128,000 |
| Not applicable | 5 | $1,425,000 | $285,000 | $825,000 | $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) | 6,885 | $2,565,395,000 | $372,000 | $9,005,000 | $225,000 | $7,757,000 |
| FHA-insured (Federal Housing Administration) | 428 | $76,670,000 | $179,000 | $715,000 | $71,000 | $436,000 |
| VA-guaranteed (Veterans Administration) | 207 | $61,205,000 | $295,000 | $805,000 | $102,000 | $574,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $2,475,000 | $165,000 | $215,000 | $57,000 | $88,000 |
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 | 6,642 | $2,412,680,000 | $363,000 | $9,005,000 | $215,000 | $7,757,000 |
| Application Withdrawn By Applicant | 674 | $228,290,000 | $338,000 | $5,005,000 | $215,000 | $5,000,000 |
| Application Denied By Financial Institution | 126 | $35,470,000 | $281,000 | $1,605,000 | $128,000 | $2,136,000 |
| Application Approved But Not Accepted | 55 | $16,915,000 | $307,000 | $1,585,000 | $193,000 | $1,021,000 |
| File Closed For Incompleteness | 34 | $11,790,000 | $346,000 | $1,505,000 | $225,000 | $679,000 |
| Loan Purchased By The Institution | 4 | $600,000 | $150,000 | $235,000 | $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 | 7,409 | $2,670,275,000 | $360,000 | $9,005,000 | $214,000 | $7,757,000 |
| Debt-To-Income Ratio | 41 | $14,335,000 | $349,000 | $1,605,000 | $95,000 | $701,000 |
| Collateral | 39 | $10,465,000 | $268,000 | $735,000 | $191,000 | $2,136,000 |
| Credit History | 24 | $4,130,000 | $172,000 | $435,000 | $88,000 | $183,000 |
| Credit Application Incomplete | 8 | $2,680,000 | $335,000 | $605,000 | $128,000 | $174,000 |
| Other | 4 | $750,000 | $187,000 | $305,000 | $150,000 | $349,000 |
| Employment History | 4 | $1,420,000 | $355,000 | $1,095,000 | $102,000 | $156,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $565,000 | $188,000 | $315,000 | $66,000 | $104,000 |
| Unverifiable Information | 3 | $1,125,000 | $375,000 | $715,000 | $133,000 | $295,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stifel Bank & Trust's 2019 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 Stifel 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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