Stifel Bank & Trust Mortgage Lending & HMDA Data, 2008
In 2008, Stifel Bank & Trust of St Louis, MO reported 1,642 mortgage applications totaling $419.4 million, up 973% from 2007. The average application was for $255,419, and applicants reported an average income of $147,761. 86% of its applications resulted in an originated loan and 3% were denied. Its largest markets were St. Louis, MO-IL (1,275), Chicago-Naperville-Joliet, IL (24) and Indianapolis-Carmel, IN (15) (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 | 1,642 |
| Total Mortgage Loan Application Amount | $419,398,000 |
| Average Mortgage Loan Application Amount | $255,419 |
| Highest Mortgage Loan Application Amount | $2,100,000 |
| Average Applicant Income | $147,761 |
| Highest Applicant Income | $4,550,000 |
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Act (HMDA) records Stifel Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,275 | $ 310,723,000 | $ 243,704 | $ 134,555 |
| Chicago-Naperville-Joliet, IL | 24 | $ 9,442,000 | $ 393,416 | $ 167,000 |
| Indianapolis-Carmel, IN | 15 | $ 2,888,000 | $ 192,533 | $ 117,000 |
| New York-White Plains-Wayne, NY-NJ | 10 | $ 3,998,000 | $ 399,800 | $ 160,700 |
| Denver-Aurora, CO | 9 | $ 1,955,000 | $ 217,222 | $ 92,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 8 | $ 2,983,000 | $ 372,875 | $ 197,000 |
| Columbia, MO | 7 | $ 1,192,000 | $ 170,285 | $ 167,000 |
| Kansas City, MO-KS | 7 | $ 1,900,000 | $ 271,428 | $ 118,285 |
| Louisville-Jefferson County, KY-IN | 6 | $ 946,000 | $ 157,666 | $ 81,500 |
| Philadelphia, PA | 6 | $ 1,125,000 | $ 187,500 | $ 115,000 |
| Atlanta-Sandy Springs-Marietta, GA | 5 | $ 2,613,000 | $ 522,600 | $ 231,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 1,180,000 | $ 236,000 | $ 193,000 |
| Dallas-Plano-Irving, TX | 5 | $ 1,592,000 | $ 318,400 | $ 349,000 |
| Fort Collins-Loveland, CO | 5 | $ 1,098,000 | $ 219,600 | $ 177,000 |
| Green Bay, WI | 5 | $ 1,044,000 | $ 208,800 | $ 133,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 5 | $ 1,370,000 | $ 274,000 | $ 99,000 |
| Phoenix-Mesa-Scottsdale, AZ | 5 | $ 3,044,000 | $ 608,800 | $ 303,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 5 | $ 1,708,000 | $ 341,600 | $ 342,000 |
| Baltimore-Towson, MD | 4 | $ 1,182,000 | $ 295,500 | $ 116,000 |
| Cincinnati-Middletown, OH-KY-IN | 4 | $ 992,000 | $ 248,000 | $ 192,000 |
| Cleveland-Elyria-Mentor, OH | 4 | $ 729,000 | $ 182,250 | $ 88,000 |
| Los Angeles-Long Beach-Glendale, CA | 4 | $ 1,304,000 | $ 326,000 | $ 99,000 |
| Madison, WI | 4 | $ 688,000 | $ 172,000 | $ 47,000 |
| Milwaukee-Waukesha-West Allis, WI | 4 | $ 1,375,000 | $ 343,750 | $ 353,000 |
| Raleigh-Cary, NC | 4 | $ 1,027,000 | $ 256,750 | $ 115,000 |
| Warren-Troy-Farmington Hills, MI | 4 | $ 2,928,000 | $ 732,000 | $ 971,000 |
| Austin-Round Rock, TX | 3 | $ 689,000 | $ 229,666 | $ 100,000 |
| Barnstable Town, MA | 3 | $ 1,937,000 | $ 645,666 | $ 1,665,000 |
| Boulder, CO | 3 | $ 947,000 | $ 315,666 | $ 252,000 |
| Columbia, SC | 3 | $ 248,000 | $ 82,666 | $ 29,000 |
| Columbus, OH | 3 | $ 777,000 | $ 259,000 | $ 298,000 |
| Hartford-West Hartford-East Hartford, CT | 3 | $ 804,000 | $ 268,000 | $ 115,000 |
| Lincoln, NE | 3 | $ 519,000 | $ 173,000 | $ 67,000 |
| Nassau-Suffolk, NY | 3 | $ 752,000 | $ 250,666 | $ 135,000 |
| Newark-Union, NJ-PA | 3 | $ 621,000 | $ 207,000 | $ 58,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 377,000 | $ 125,666 | $ 164,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 410,000 | $ 136,666 | $ 95,000 |
| Anderson, IN | 2 | $ 174,000 | $ 87,000 | $ 38,000 |
| Ann Arbor, MI | 2 | $ 571,000 | $ 285,500 | $ 112,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 154,000 | $ 77,000 | $ 174,000 |
| Boston-Quincy, MA | 2 | $ 593,000 | $ 296,500 | $ 98,000 |
| Camden, NJ | 2 | $ 1,440,000 | $ 720,000 | $ 1,802,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 515,000 | $ 257,500 | $ 110,000 |
| Harrisburg-Carlisle, PA | 2 | $ 1,520,000 | $ 760,000 | $ 214,000 |
| Houston-Sugar Land-Baytown, TX | 2 | $ 298,000 | $ 149,000 | $ 89,000 |
| Jefferson City, MO | 2 | $ 457,000 | $ 228,500 | $ 142,000 |
| Naples-Marco Island, FL | 2 | $ 581,000 | $ 290,500 | $ 114,000 |
| Oakland-Fremont-Hayward, CA | 2 | $ 832,000 | $ 416,000 | $ 97,000 |
| Oshkosh-Neenah, WI | 2 | $ 421,000 | $ 210,500 | $ 156,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 1,000,000 | $ 500,000 | $ 134,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 567,000 | $ 283,500 | $ 312,000 |
| Pittsburgh, PA | 2 | $ 368,000 | $ 184,000 | $ 139,000 |
| Rockford, IL | 2 | $ 500,000 | $ 250,000 | $ 170,000 |
| San Diego-Carlsbad-San Marcos, CA | 2 | $ 850,000 | $ 425,000 | $ 480,000 |
| Santa Rosa-Petaluma, CA | 2 | $ 771,000 | $ 385,500 | $ 142,000 |
| Savannah, GA | 2 | $ 677,000 | $ 338,500 | $ 86,000 |
| Akron, OH | 1 | $ 157,000 | $ 157,000 | $ 95,000 |
| Albuquerque, NM | 1 | $ 85,000 | $ 85,000 | $ 35,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 120,000 | $ 120,000 | $ 150,000 |
| Asheville, NC | 1 | $ 417,000 | $ 417,000 | $ 173,000 |
| Baton Rouge, LA | 1 | $ 124,000 | $ 124,000 | $ 45,000 |
| Battle Creek, MI | 1 | $ 125,000 | $ 125,000 | $ 68,000 |
| Bethesda-Frederick-Gaithersburg, MD | 1 | $ 180,000 | $ 180,000 | $ 82,000 |
| Billings, MT | 1 | $ 417,000 | $ 417,000 | $ 193,000 |
| Birmingham-Hoover, AL | 1 | $ 300,000 | $ 300,000 | $ 200,000 |
| Bloomington-Normal, IL | 1 | $ 195,000 | $ 195,000 | $ 148,000 |
| Bradenton-Sarasota-Venice, FL | 1 | $ 140,000 | $ 140,000 | $ 357,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 316,000 | $ 316,000 | $ 67,000 |
| Brownsville-Harlingen, TX | 1 | $ 412,000 | $ 412,000 | $ 210,000 |
| Brunswick, GA | 1 | $ 1,000,000 | $ 1,000,000 | $ 413,000 |
| Charlotte-Gastonia-Concord, NC-SC | 1 | $ 333,000 | $ 333,000 | $ 100,000 |
| Charlottesville, VA | 1 | $ 175,000 | $ 175,000 | $ 84,000 |
| Colorado Springs, CO | 1 | $ 183,000 | $ 183,000 | $ 101,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 294,000 | $ 294,000 | $ 46,000 |
| Eau Claire, WI | 1 | $ 260,000 | $ 260,000 | $ 70,000 |
| Edison-New Brunswick, NJ | 1 | $ 98,000 | $ 98,000 | $ 54,000 |
| Evansville, IN-KY | 1 | $ 416,000 | $ 416,000 | $ 474,000 |
| Fort Worth-Arlington, TX | 1 | $ 224,000 | $ 224,000 | $ 40,000 |
| Gainesville, FL | 1 | $ 157,000 | $ 157,000 | $ 95,000 |
| Grand Junction, CO | 1 | $ 160,000 | $ 160,000 | $ 113,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 160,000 | $ 160,000 | $ 200,000 |
| Gulfport-Biloxi, MS | 1 | $ 160,000 | $ 160,000 | $ 188,000 |
| Jacksonville, FL | 1 | $ 620,000 | $ 620,000 | $ 182,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 130,000 | $ 130,000 | $ 106,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 257,000 | $ 257,000 | $ 142,000 |
| Lancaster, PA | 1 | $ 350,000 | $ 350,000 | $ 163,000 |
| Las Vegas-Paradise, NV | 1 | $ 508,000 | $ 508,000 | $ 300,000 |
| Lexington-Fayette, KY | 1 | $ 133,000 | $ 133,000 | $ 66,000 |
| Lubbock, TX | 1 | $ 200,000 | $ 200,000 | $ 108,000 |
| Mansfield, OH | 1 | $ 140,000 | $ 140,000 | $ 180,000 |
| Medford, OR | 1 | $ 190,000 | $ 190,000 | $ 510,000 |
| Memphis, TN-MS-AR | 1 | $ 195,000 | $ 195,000 | $ 54,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 417,000 | $ 417,000 | $ 404,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 120,000 | $ 120,000 | $ 284,000 |
| Niles-Benton Harbor, MI | 1 | $ 300,000 | $ 300,000 | $ 1,000,000 |
| Ocala, FL | 1 | $ 116,000 | $ 116,000 | $ 42,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 2,000,000 | $ 2,000,000 | $ 240,000 |
| Provo-Orem, UT | 1 | $ 414,000 | $ 414,000 | $ 223,000 |
| Roanoke, VA | 1 | $ 189,000 | $ 189,000 | $ 36,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 495,000 | $ 495,000 | $ 130,000 |
| Salinas, CA | 1 | $ 705,000 | $ 705,000 | $ 468,000 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 1,400,000 | $ 1,400,000 | $ 356,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 638,000 | $ 638,000 | $ 203,000 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 512,000 | $ 512,000 | $ 343,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 1 | $ 325,000 | $ 325,000 | $ 119,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 282,000 | $ 282,000 | $ 282,000 |
| Tulsa, OK | 1 | $ 417,000 | $ 417,000 | $ 1,020,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 400,000 | $ 400,000 | $ 147,000 |
Mortgage Loan Application Detail Totals for Stifel Bank & Trust in 2008
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 |
|---|---|---|---|---|---|---|
| Refinancing | 893 | $248,107,000 | $277,000 | $2,100,000 | $159,000 | $4,550,000 |
| Home Purchase | 741 | $168,414,000 | $227,000 | $2,000,000 | $134,000 | $1,544,000 |
| Home Improvement | 8 | $2,877,000 | $359,000 | $900,000 | $168,000 | $350,000 |
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 | 1,311 | $336,105,000 | $256,000 | $2,100,000 | $149,000 | $3,500,000 |
| Not Provided | 266 | $67,642,000 | $254,000 | $2,000,000 | $150,000 | $4,550,000 |
| Asian | 23 | $5,434,000 | $236,000 | $547,000 | $130,000 | $435,000 |
| Black or African American | 20 | $5,988,000 | $299,000 | $800,000 | $136,000 | $500,000 |
| Hispanic | 15 | $2,496,000 | $166,000 | $320,000 | $89,000 | $170,000 |
| Not applicable | 4 | $1,242,000 | $310,000 | $865,000 | $59,000 | $236,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $491,000 | $163,000 | $227,000 | $65,000 | $71,000 |
| American Indian or Alaskan Native | 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) | 1,420 | $383,022,000 | $269,000 | $2,100,000 | $162,000 | $4,550,000 |
| FHA-insured (Federal Housing Administration) | 204 | $32,363,000 | $158,000 | $286,000 | $58,000 | $165,000 |
| VA-guaranteed (Veterans Administration) | 18 | $4,013,000 | $222,000 | $386,000 | $67,000 | $138,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 1,416 | $356,937,000 | $252,000 | $2,030,000 | $152,000 | $4,550,000 |
| Application Withdrawn By Applicant | 131 | $40,028,000 | $305,000 | $2,100,000 | $133,000 | $1,100,000 |
| Application Denied By Financial Institution | 53 | $13,698,000 | $258,000 | $1,000,000 | $112,000 | $1,020,000 |
| Application Approved But Not Accepted | 40 | $8,413,000 | $210,000 | $650,000 | $105,000 | $392,000 |
| File Closed For Incompleteness | 2 | $322,000 | $161,000 | $226,000 | $73,000 | $110,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 1 | $179,000 | $179,000 | $179,000 | $52,000 | $52,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 2008 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.
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