Stifel Bank & Trust Mortgage Lending & HMDA Data, 2007
In 2007, Stifel Bank & Trust of St Louis, MO reported 153 mortgage applications totaling $48.5 million, up 122% from 2006. The average application was for $316,686, and applicants reported an average income of $106,836. 73% of its applications resulted in an originated loan and 5% were denied. Its largest markets were St. Louis, MO-IL (73), Chicago-Naperville-Joliet, IL (9) and Denver-Aurora, CO (4) (applications in parentheses).
| Mortgage Company & Address | Stifel Bank & Trust 501 N Broadway St Louis, MO 63141 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 153 |
| Total Mortgage Loan Application Amount | $48,453,000 |
| Average Mortgage Loan Application Amount | $316,686 |
| Highest Mortgage Loan Application Amount | $8,600,000 |
| Average Applicant Income | $106,836 |
| Highest Applicant Income | $900,000 |
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Act (HMDA) records Stifel Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| St. Louis, Missouri | 43 | $ 6,906,000 | $ 160,604 | $ 57,000 |
| St. Louis City, Missouri | 11 | $ 2,022,000 | $ 183,818 | $ 44,000 |
| Cook, Illinois | 7 | $ 2,782,000 | $ 397,428 | $ 149,000 |
| Jefferson, Missouri | 6 | $ 872,000 | $ 145,333 | $ 52,000 |
| Franklin, Missouri | 5 | $ 760,000 | $ 152,000 | $ 361,000 |
| St. Charles, Missouri | 4 | $ 467,000 | $ 116,750 | $ 145,000 |
| Bucks, Pennsylvania | 3 | $ 654,000 | $ 218,000 | $ 59,000 |
| Denver, Colorado | 2 | $ 627,000 | $ 313,500 | $ 168,000 |
| Broward, Florida | 2 | $ 258,000 | $ 129,000 | $ 69,000 |
| Palm Beach, Florida | 2 | $ 666,000 | $ 333,000 | $ 308,000 |
| Madison, Illinois | 2 | $ 640,000 | $ 320,000 | $ 24,000 |
| Baltimore, Maryland | 2 | $ 475,000 | $ 237,500 | $ 139,000 |
| Hennepin, Minnesota | 2 | $ 499,000 | $ 249,500 | $ 201,000 |
| Crawford, Missouri | 2 | $ 299,000 | $ 149,500 | $ 64,000 |
| Lehigh, Pennsylvania | 2 | $ 279,000 | $ 139,500 | $ 103,000 |
| Albemarle, Virginia | 2 | $ 590,000 | $ 295,000 | $ 127,000 |
| Brown, Wisconsin | 2 | $ 244,000 | $ 122,000 | $ 47,000 |
| Mendocino, California | 1 | $ 203,000 | $ 203,000 | $ 56,000 |
| Arapahoe, Colorado | 1 | $ 800,000 | $ 800,000 | $ 397,000 |
| Douglas, Colorado | 1 | $ 100,000 | $ 100,000 | $ 57,000 |
| Teller, Colorado | 1 | $ 372,000 | $ 372,000 | $ 212,000 |
| Middlesex, Connecticut | 1 | $ 336,000 | $ 336,000 | $ 92,000 |
| New Haven, Connecticut | 1 | $ 252,000 | $ 252,000 | $ 60,000 |
| Citrus, Florida | 1 | $ 172,000 | $ 172,000 | $ 46,000 |
| Collier, Florida | 1 | $ 101,000 | $ 101,000 | $ 70,000 |
| Lee, Florida | 1 | $ 197,000 | $ 197,000 | $ 240,000 |
| Orange, Florida | 1 | $ 8,100,000 | $ 8,100,000 | $ 0 |
| Sarasota, Florida | 1 | $ 1,174,000 | $ 1,174,000 | $ 299,000 |
| Sumter, Florida | 1 | $ 185,000 | $ 185,000 | $ 145,000 |
| McHenry, Illinois | 1 | $ 236,000 | $ 236,000 | $ 297,000 |
| Monroe, Illinois | 1 | $ 73,000 | $ 73,000 | $ 0 |
| St. Clair, Illinois | 1 | $ 170,000 | $ 170,000 | $ 66,000 |
| Will, Illinois | 1 | $ 84,000 | $ 84,000 | $ 34,000 |
| Winnebago, Illinois | 1 | $ 48,000 | $ 48,000 | $ 29,000 |
| Marion, Indiana | 1 | $ 250,000 | $ 250,000 | $ 156,000 |
| Parke, Indiana | 1 | $ 255,000 | $ 255,000 | $ 494,000 |
| Johnson, Kansas | 1 | $ 291,000 | $ 291,000 | $ 150,000 |
| Jefferson, Kentucky | 1 | $ 136,000 | $ 136,000 | $ 35,000 |
| Montgomery, Maryland | 1 | $ 417,000 | $ 417,000 | $ 178,000 |
| Kent, Michigan | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Oakland, Michigan | 1 | $ 305,000 | $ 305,000 | $ 55,000 |
| Ottawa, Michigan | 1 | $ 83,000 | $ 83,000 | $ 72,000 |
| Ramsey, Minnesota | 1 | $ 245,000 | $ 245,000 | $ 83,000 |
| Camden, Missouri | 1 | $ 135,000 | $ 135,000 | $ 60,000 |
| St. Francois, Missouri | 1 | $ 80,000 | $ 80,000 | $ 33,000 |
| Douglas, Nebraska | 1 | $ 37,000 | $ 37,000 | $ 71,000 |
| Morris, New Jersey | 1 | $ 367,000 | $ 367,000 | $ 97,000 |
| Union, New Jersey | 1 | $ 345,000 | $ 345,000 | $ 205,000 |
| Warren, New Jersey | 1 | $ 150,000 | $ 150,000 | $ 180,000 |
| Sandoval, New Mexico | 1 | $ 300,000 | $ 300,000 | $ 130,000 |
| Delaware, New York | 1 | $ 140,000 | $ 140,000 | $ 205,000 |
| Nassau, New York | 1 | $ 250,000 | $ 250,000 | $ 343,000 |
| New York, New York | 1 | $ 950,000 | $ 950,000 | $ 900,000 |
| Wake, North Carolina | 1 | $ 400,000 | $ 400,000 | $ 99,000 |
| Cuyahoga, Ohio | 1 | $ 151,000 | $ 151,000 | $ 36,000 |
| Franklin, Ohio | 1 | $ 125,000 | $ 125,000 | $ 64,000 |
| Hamilton, Ohio | 1 | $ 127,000 | $ 127,000 | $ 113,000 |
| Ottawa, Ohio | 1 | $ 199,000 | $ 199,000 | $ 75,000 |
| Dauphin, Pennsylvania | 1 | $ 400,000 | $ 400,000 | $ 67,000 |
| Montgomery, Pennsylvania | 1 | $ 417,000 | $ 417,000 | $ 75,000 |
| Fayette, Tennessee | 1 | $ 120,000 | $ 120,000 | $ 17,000 |
| Bowie, Texas | 1 | $ 8,600,000 | $ 8,600,000 | $ 0 |
| Wilbarger, Texas | 1 | $ 60,000 | $ 60,000 | $ 190,000 |
| Richmond City, Virginia | 1 | $ 158,000 | $ 158,000 | $ 37,000 |
| Roanoke City, Virginia | 1 | $ 183,000 | $ 183,000 | $ 34,000 |
| Virginia Beach, Virginia | 1 | $ 386,000 | $ 386,000 | $ 124,000 |
| Chippewa, Wisconsin | 1 | $ 84,000 | $ 84,000 | $ 47,000 |
| Marinette, Wisconsin | 1 | $ 120,000 | $ 120,000 | $ 45,000 |
| Pierce, Wisconsin | 1 | $ 132,000 | $ 132,000 | $ 35,000 |
| Rusk, Wisconsin | 1 | $ 104,000 | $ 104,000 | $ 300,000 |
| Shawano, Wisconsin | 1 | $ 133,000 | $ 133,000 | $ 134,000 |
Mortgage Loan Application Detail Totals for Stifel Bank & Trust in 2007
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 | 91 | $27,445,000 | $301,000 | $8,100,000 | $126,000 | $900,000 |
| Refinancing | 56 | $20,307,000 | $362,000 | $8,600,000 | $85,000 | $397,000 |
| Home Improvement | 6 | $701,000 | $116,000 | $650,000 | $20,000 | $124,000 |
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 | 118 | $25,013,000 | $211,000 | $1,174,000 | $135,000 | $900,000 |
| Not applicable | 28 | $13,901,000 | $496,000 | $8,100,000 | $0 | $0 |
| Not Provided | 5 | $9,260,000 | $1,852,000 | $8,600,000 | $50,000 | $95,000 |
| Hispanic | 2 | $279,000 | $139,000 | $248,000 | $103,000 | $103,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 153 | $48,453,000 | $316,000 | $8,600,000 | $107,000 | $900,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 111 | $31,697,000 | $285,000 | $8,100,000 | $114,000 | $900,000 |
| Application Approved But Not Accepted | 27 | $5,805,000 | $215,000 | $725,000 | $110,000 | $360,000 |
| Application Withdrawn By Applicant | 8 | $9,421,000 | $1,177,000 | $8,600,000 | $66,000 | $300,000 |
| Application Denied By Financial Institution | 7 | $1,530,000 | $218,000 | $550,000 | $38,000 | $134,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 3 | $887,000 | $295,000 | $550,000 | $20,000 | $60,000 |
| Collateral | 2 | $341,000 | $170,000 | $172,000 | $23,000 | $46,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stifel Bank & Trust's 2007 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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