Stifel Bank & Trust Mortgage Lending & HMDA Data, 2006
In 2006, Stifel Bank & Trust of St Louis, MO reported 69 mortgage applications totaling $15.9 million, down 52% from 2005. The average application was for $230,057, and applicants reported an average income of $57,565. 91% of its applications resulted in an originated loan and 3% were denied. Its largest markets were St. Louis, MO-IL (65) and Minneapolis-St. Paul-Bloomington, MN-WI (1).
| 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 | 69 |
| Total Mortgage Loan Application Amount | $15,874,000 |
| Average Mortgage Loan Application Amount | $230,057 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $57,565 |
| Highest Applicant Income | $430,000 |
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Act (HMDA) records Stifel Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| St. Louis, MO-IL | 65 | $ 13,159,000 | $ 202,446 | $ 56,138 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 550,000 | $ 550,000 | $ 0 |
Mortgage Loan Application Detail Totals for Stifel Bank & Trust in 2006
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 | 45 | $11,077,000 | $246,000 | $1,000,000 | $64,000 | $430,000 |
| Refinancing | 15 | $2,378,000 | $158,000 | $723,000 | $20,000 | $130,000 |
| Home Improvement | 9 | $2,419,000 | $268,000 | $950,000 | $88,000 | $200,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 41 | $6,391,000 | $155,000 | $1,000,000 | $10,000 | $430,000 |
| White | 26 | $8,718,000 | $335,000 | $1,000,000 | $129,000 | $400,000 |
| Not Provided | 2 | $765,000 | $382,000 | $600,000 | $100,000 | $200,000 |
| 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 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 69 | $15,874,000 | $230,000 | $1,000,000 | $58,000 | $430,000 |
| 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 | 63 | $14,519,000 | $230,000 | $1,000,000 | $53,000 | $430,000 |
| Application Approved But Not Accepted | 3 | $535,000 | $178,000 | $313,000 | $135,000 | $282,000 |
| Application Denied By Financial Institution | 2 | $765,000 | $382,000 | $600,000 | $100,000 | $200,000 |
| Application Withdrawn By Applicant | 1 | $55,000 | $55,000 | $55,000 | $0 | $0 |
| 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 | 1 | $600,000 | $600,000 | $600,000 | $200,000 | $200,000 |
| Other | 1 | $165,000 | $165,000 | $165,000 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stifel Bank & Trust's 2006 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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