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Act (HMDA) records Stifel Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 73 | $ 11,910,000 | $ 163,150 | $ 79,041 |
| Chicago-Naperville-Joliet, IL | 9 | $ 3,102,000 | $ 344,666 | $ 152,000 |
| Denver-Aurora, CO | 4 | $ 1,527,000 | $ 381,750 | $ 197,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 4 | $ 876,000 | $ 219,000 | $ 130,250 |
| Philadelphia, PA | 4 | $ 1,071,000 | $ 267,750 | $ 63,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 3 | $ 429,000 | $ 143,000 | $ 128,666 |
| Baltimore-Towson, MD | 2 | $ 475,000 | $ 237,500 | $ 139,000 |
| Charlottesville, VA | 2 | $ 590,000 | $ 295,000 | $ 127,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 258,000 | $ 129,000 | $ 69,000 |
| Green Bay, WI | 2 | $ 244,000 | $ 122,000 | $ 47,000 |
| Newark-Union, NJ-PA | 2 | $ 712,000 | $ 356,000 | $ 151,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 2 | $ 666,000 | $ 333,000 | $ 308,000 |
| Albuquerque, NM | 1 | $ 300,000 | $ 300,000 | $ 130,000 |
| Bethesda-Gaithersburg-Frederick, MD | 1 | $ 417,000 | $ 417,000 | $ 178,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 197,000 | $ 197,000 | $ 240,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 127,000 | $ 127,000 | $ 113,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 151,000 | $ 151,000 | $ 36,000 |
| Colorado Springs, CO | 1 | $ 372,000 | $ 372,000 | $ 212,000 |
| Columbus, OH | 1 | $ 125,000 | $ 125,000 | $ 64,000 |
| Eau Claire, WI | 1 | $ 84,000 | $ 84,000 | $ 47,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Harrisburg-Carlisle, PA | 1 | $ 400,000 | $ 400,000 | $ 67,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 336,000 | $ 336,000 | $ 92,000 |
| Holland-Grand Haven, MI | 1 | $ 83,000 | $ 83,000 | $ 72,000 |
| Indianapolis-Carmel, IN | 1 | $ 250,000 | $ 250,000 | $ 156,000 |
| Kansas City, MO-KS | 1 | $ 291,000 | $ 291,000 | $ 150,000 |
| Louisville-Jefferson County, KY-IN | 1 | $ 136,000 | $ 136,000 | $ 35,000 |
| Memphis, TN-MS-AR | 1 | $ 120,000 | $ 120,000 | $ 17,000 |
| Naples-Marco Island, FL | 1 | $ 101,000 | $ 101,000 | $ 70,000 |
| Nassau-Suffolk, NY | 1 | $ 250,000 | $ 250,000 | $ 343,000 |
| New Haven-Milford, CT | 1 | $ 252,000 | $ 252,000 | $ 60,000 |
| New York-White Plains-Wayne, NY-NJ | 1 | $ 950,000 | $ 950,000 | $ 900,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 37,000 | $ 37,000 | $ 71,000 |
| Orlando-Kissimmee, FL | 1 | $ 8,100,000 | $ 8,100,000 | $ 0 |
| Raleigh-Cary, NC | 1 | $ 400,000 | $ 400,000 | $ 99,000 |
| Richmond, VA | 1 | $ 158,000 | $ 158,000 | $ 37,000 |
| Roanoke, VA | 1 | $ 183,000 | $ 183,000 | $ 34,000 |
| Rockford, IL | 1 | $ 48,000 | $ 48,000 | $ 29,000 |
| Sarasota-Bradenton-Venice, FL | 1 | $ 1,174,000 | $ 1,174,000 | $ 299,000 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 8,600,000 | $ 8,600,000 | $ 0 |
| Toledo, OH | 1 | $ 199,000 | $ 199,000 | $ 75,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 386,000 | $ 386,000 | $ 124,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 305,000 | $ 305,000 | $ 55,000 |
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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