Stifel Bank & Trust Mortgage Lending & HMDA Data, 2024
In 2024, Stifel Bank & Trust of St. Louis, MO reported 4,323 mortgage applications totaling $2.1 billion, up 7% from 2023. The average application was for $494,329, and applicants reported an average income of $329,595. 89% of its applications resulted in an originated loan and 2% were denied. Its largest markets were St. Louis, MO-IL (1,549), Los Angeles-Long Beach-Glendale, CA (70) and New York-Jersey City-White Plains, NY-NJ (64) (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 | 4,323 |
| Total Mortgage Loan Application Amount | $2,136,985,000 |
| Average Mortgage Loan Application Amount | $494,329 |
| Highest Mortgage Loan Application Amount | $13,505,000 |
| Average Applicant Income | $329,595 |
| Highest Applicant Income | $8,976,000 |
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Act (HMDA) records Stifel Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2024
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 | 2,912 | $1,484,620,000 | $509,000 | $11,165,000 | $313,000 | $8,976,000 |
| Other Purpose | 814 | $336,370,000 | $413,000 | $13,505,000 | $356,000 | $5,354,000 |
| Cash-out Refinancing | 298 | $144,920,000 | $486,000 | $3,505,000 | $348,000 | $4,468,000 |
| Refinancing | 274 | $155,840,000 | $568,000 | $3,815,000 | $404,000 | $4,329,000 |
| Home Improvement | 25 | $15,235,000 | $609,000 | $8,505,000 | $368,000 | $3,000,000 |
| 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 | 3,591 | $1,777,095,000 | $494,000 | $11,165,000 | $327,000 | $8,976,000 |
| Not Provided | 240 | $164,840,000 | $686,000 | $13,505,000 | $475,000 | $4,956,000 |
| Asian | 205 | $102,245,000 | $498,000 | $6,475,000 | $312,000 | $1,540,000 |
| Black or African American | 145 | $38,305,000 | $264,000 | $3,505,000 | $200,000 | $5,000,000 |
| Hispanic | 122 | $45,650,000 | $374,000 | $3,025,000 | $272,000 | $1,683,000 |
| American Indian or Alaskan Native | 17 | $8,615,000 | $506,000 | $1,645,000 | $539,000 | $3,133,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $235,000 | $78,000 | $115,000 | $53,000 | $53,000 |
| Not applicable | 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) | 4,143 | $2,080,695,000 | $502,000 | $13,505,000 | $339,000 | $8,976,000 |
| FHA-insured (Federal Housing Administration) | 116 | $29,750,000 | $256,000 | $495,000 | $88,000 | $366,000 |
| VA-guaranteed (Veterans Administration) | 62 | $26,140,000 | $421,000 | $1,995,000 | $165,000 | $747,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $400,000 | $200,000 | $205,000 | $71,000 | $76,000 |
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 | 3,827 | $1,901,395,000 | $496,000 | $13,505,000 | $331,000 | $8,976,000 |
| Application Withdrawn By Applicant | 368 | $184,030,000 | $500,000 | $5,935,000 | $317,000 | $5,354,000 |
| Application Denied By Financial Institution | 71 | $22,695,000 | $319,000 | $1,925,000 | $273,000 | $4,416,000 |
| Application Approved But Not Accepted | 52 | $27,610,000 | $530,000 | $2,005,000 | $435,000 | $4,329,000 |
| File Closed For Incompleteness | 5 | $1,255,000 | $251,000 | $355,000 | $132,000 | $175,000 |
| 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 | 4,252 | $2,114,290,000 | $497,000 | $13,505,000 | $331,000 | $8,976,000 |
| Collateral | 27 | $9,255,000 | $342,000 | $1,205,000 | $449,000 | $4,416,000 |
| Debt-To-Income Ratio | 21 | $7,145,000 | $340,000 | $1,925,000 | $97,000 | $383,000 |
| Credit History | 13 | $1,735,000 | $133,000 | $535,000 | $159,000 | $400,000 |
| Credit Application Incomplete | 4 | $820,000 | $205,000 | $335,000 | $102,000 | $210,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $2,295,000 | $765,000 | $1,805,000 | $444,000 | $1,216,000 |
| Other | 2 | $1,180,000 | $590,000 | $905,000 | $461,000 | $550,000 |
| Unverifiable Information | 1 | $265,000 | $265,000 | $265,000 | $302,000 | $302,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stifel Bank & Trust's 2024 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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