Stifel Bank & Trust Mortgage Lending & HMDA Data, 2023
In 2023, Stifel Bank & Trust of St. Louis, MO reported 4,022 mortgage applications totaling $1.9 billion, down 39% from 2022. The average application was for $475,243, and applicants reported an average income of $311,768. 87% of its applications resulted in an originated loan and 2% were denied. Its largest markets were St. Louis, MO-IL (1,469), Los Angeles-Long Beach-Glendale, CA (80) and New York-Jersey City-White Plains, NY-NJ (77) (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 | 4,022 |
| Total Mortgage Loan Application Amount | $1,911,430,000 |
| Average Mortgage Loan Application Amount | $475,243 |
| Highest Mortgage Loan Application Amount | $10,405,000 |
| Average Applicant Income | $311,768 |
| Highest Applicant Income | $9,637,000 |
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Act (HMDA) records Stifel Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2023
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 | 2,866 | $1,416,410,000 | $494,000 | $10,405,000 | $302,000 | $9,637,000 |
| Other Purpose | 711 | $259,905,000 | $365,000 | $3,505,000 | $328,000 | $4,563,000 |
| Cash-out Refinancing | 256 | $146,750,000 | $573,000 | $6,505,000 | $352,000 | $3,200,000 |
| Refinancing | 142 | $74,950,000 | $527,000 | $2,385,000 | $360,000 | $3,714,000 |
| Home Improvement | 47 | $13,415,000 | $285,000 | $2,005,000 | $297,000 | $2,250,000 |
| 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 | 3,292 | $1,578,410,000 | $479,000 | $10,405,000 | $313,000 | $9,637,000 |
| Not Provided | 284 | $159,210,000 | $560,000 | $3,505,000 | $408,000 | $7,311,000 |
| Asian | 163 | $69,975,000 | $429,000 | $8,505,000 | $298,000 | $4,563,000 |
| Hispanic | 129 | $62,235,000 | $482,000 | $6,505,000 | $272,000 | $2,690,000 |
| Black or African American | 126 | $26,760,000 | $212,000 | $1,315,000 | $126,000 | $1,633,000 |
| American Indian or Alaskan Native | 5 | $1,965,000 | $393,000 | $655,000 | $184,000 | $470,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $1,405,000 | $468,000 | $1,125,000 | $150,000 | $387,000 |
| Not applicable | 2 | $290,000 | $145,000 | $195,000 | $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) | 3,850 | $1,862,880,000 | $483,000 | $10,405,000 | $321,000 | $9,637,000 |
| FHA-insured (Federal Housing Administration) | 115 | $26,845,000 | $233,000 | $635,000 | $80,000 | $203,000 |
| VA-guaranteed (Veterans Administration) | 56 | $21,550,000 | $384,000 | $785,000 | $147,000 | $517,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $155,000 | $155,000 | $155,000 | $57,000 | $57,000 |
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 | 3,485 | $1,641,705,000 | $471,000 | $8,505,000 | $310,000 | $9,637,000 |
| Application Withdrawn By Applicant | 394 | $204,450,000 | $518,000 | $10,405,000 | $318,000 | $9,111,000 |
| Application Denied By Financial Institution | 78 | $27,310,000 | $350,000 | $4,715,000 | $265,000 | $4,563,000 |
| Application Approved But Not Accepted | 55 | $32,045,000 | $582,000 | $3,455,000 | $391,000 | $3,200,000 |
| File Closed For Incompleteness | 8 | $5,630,000 | $703,000 | $2,205,000 | $607,000 | $2,678,000 |
| Loan Purchased By The Institution | 2 | $290,000 | $145,000 | $195,000 | $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 | 3,944 | $1,884,120,000 | $477,000 | $10,405,000 | $313,000 | $9,637,000 |
| Debt-To-Income Ratio | 35 | $15,955,000 | $455,000 | $4,715,000 | $212,000 | $1,609,000 |
| Collateral | 18 | $5,490,000 | $305,000 | $935,000 | $493,000 | $4,563,000 |
| Credit History | 17 | $3,685,000 | $216,000 | $555,000 | $209,000 | $984,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $810,000 | $202,000 | $415,000 | $88,000 | $192,000 |
| Employment History | 2 | $360,000 | $180,000 | $245,000 | $106,000 | $145,000 |
| Credit Application Incomplete | 1 | $965,000 | $965,000 | $965,000 | $202,000 | $202,000 |
| Unverifiable Information | 1 | $45,000 | $45,000 | $45,000 | $30,000 | $30,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stifel Bank & Trust's 2023 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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