Stifel Bank & Trust Mortgage Lending & HMDA Data, 2022
In 2022, Stifel Bank & Trust of St. Louis, MO reported 6,607 mortgage applications totaling $3.6 billion, down 41% from 2021. The average application was for $547,931, and applicants reported an average income of $307,319. 90% of its applications resulted in an originated loan and 2% were denied. Its largest markets were St. Louis, MO-IL (2,173), Los Angeles-Long Beach-Glendale, CA (154) and New York-Jersey City-White Plains, NY-NJ (153) (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 | 6,607 |
| Total Mortgage Loan Application Amount | $3,620,185,000 |
| Average Mortgage Loan Application Amount | $547,931 |
| Highest Mortgage Loan Application Amount | $18,755,000 |
| Average Applicant Income | $307,319 |
| Highest Applicant Income | $7,874,000 |
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Act (HMDA) records Stifel Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 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 | 3,523 | $1,868,035,000 | $530,000 | $18,755,000 | $276,000 | $7,874,000 |
| Cash-out Refinancing | 1,137 | $674,455,000 | $593,000 | $11,905,000 | $297,000 | $4,654,000 |
| Other Purpose | 1,058 | $593,800,000 | $561,000 | $11,905,000 | $386,000 | $5,807,000 |
| Refinancing | 818 | $465,660,000 | $569,000 | $8,455,000 | $362,000 | $6,108,000 |
| Home Improvement | 70 | $18,010,000 | $257,000 | $2,005,000 | $223,000 | $1,185,000 |
| Not Applicable | 1 | $225,000 | $225,000 | $225,000 | $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 | 5,273 | $2,881,345,000 | $546,000 | $18,755,000 | $306,000 | $7,874,000 |
| Not Provided | 644 | $449,790,000 | $698,000 | $8,005,000 | $406,000 | $5,807,000 |
| Asian | 300 | $147,990,000 | $493,000 | $5,005,000 | $252,000 | $3,452,000 |
| Hispanic | 183 | $74,485,000 | $407,000 | $4,455,000 | $244,000 | $967,000 |
| Black or African American | 160 | $42,840,000 | $267,000 | $2,835,000 | $155,000 | $1,244,000 |
| American Indian or Alaskan Native | 19 | $7,045,000 | $370,000 | $1,205,000 | $157,000 | $439,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $3,090,000 | $386,000 | $975,000 | $140,000 | $226,000 |
| Not applicable | 4 | $870,000 | $217,000 | $385,000 | $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) | 6,407 | $3,568,205,000 | $556,000 | $18,755,000 | $314,000 | $7,874,000 |
| FHA-insured (Federal Housing Administration) | 132 | $29,670,000 | $224,000 | $575,000 | $81,000 | $256,000 |
| VA-guaranteed (Veterans Administration) | 63 | $21,015,000 | $333,000 | $1,325,000 | $103,000 | $336,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $1,295,000 | $259,000 | $325,000 | $69,000 | $98,000 |
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 | 5,956 | $3,282,490,000 | $551,000 | $18,755,000 | $309,000 | $7,874,000 |
| Application Withdrawn By Applicant | 464 | $243,970,000 | $525,000 | $8,405,000 | $300,000 | $6,225,000 |
| Application Denied By Financial Institution | 104 | $40,020,000 | $384,000 | $4,805,000 | $166,000 | $1,229,000 |
| Application Approved But Not Accepted | 69 | $47,645,000 | $690,000 | $6,005,000 | $374,000 | $3,184,000 |
| File Closed For Incompleteness | 10 | $5,190,000 | $519,000 | $1,005,000 | $291,000 | $601,000 |
| Loan Purchased By The Institution | 4 | $870,000 | $217,000 | $385,000 | $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 | 6,503 | $3,580,165,000 | $550,000 | $18,755,000 | $309,000 | $7,874,000 |
| Debt-To-Income Ratio | 36 | $10,040,000 | $278,000 | $1,705,000 | $101,000 | $616,000 |
| Collateral | 33 | $20,745,000 | $628,000 | $4,805,000 | $254,000 | $1,229,000 |
| Credit History | 21 | $4,855,000 | $231,000 | $875,000 | $113,000 | $348,000 |
| Credit Application Incomplete | 4 | $1,010,000 | $252,000 | $565,000 | $116,000 | $305,000 |
| Other | 3 | $1,275,000 | $425,000 | $615,000 | $144,000 | $250,000 |
| Unverifiable Information | 3 | $765,000 | $255,000 | $515,000 | $73,000 | $109,000 |
| Employment History | 3 | $815,000 | $271,000 | $505,000 | $356,000 | $660,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $515,000 | $515,000 | $515,000 | $769,000 | $769,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stifel 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 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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