Stifel Bank & Trust Mortgage Lending & HMDA Data, 2010
In 2010, Stifel Bank & Trust of St Louis, MO reported 5,162 mortgage applications totaling $1.4 billion, up 27% from 2009. The average application was for $266,994, and applicants reported an average income of $156,853. 85% of its applications resulted in an originated loan and 6% were denied. Its largest markets were St. Louis, MO-IL (2,796), New York-White Plains-Wayne, NY-NJ (137) and Chicago-Joliet-Naperville, IL (82) (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 | 5,162 |
| Total Mortgage Loan Application Amount | $1,378,228,000 |
| Average Mortgage Loan Application Amount | $266,994 |
| Highest Mortgage Loan Application Amount | $2,500,000 |
| Average Applicant Income | $156,853 |
| Highest Applicant Income | $5,351,000 |
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Act (HMDA) records Stifel Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2010
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 | 3,907 | $1,084,424,000 | $277,000 | $2,500,000 | $165,000 | $5,351,000 |
| Home Purchase | 1,235 | $289,136,000 | $234,000 | $1,295,000 | $131,000 | $1,800,000 |
| Home Improvement | 20 | $4,668,000 | $233,000 | $417,000 | $162,000 | $529,000 |
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 | 4,702 | $1,243,233,000 | $264,000 | $2,500,000 | $155,000 | $5,351,000 |
| Not Provided | 285 | $85,432,000 | $299,000 | $1,770,000 | $189,000 | $3,000,000 |
| Asian | 75 | $24,900,000 | $332,000 | $1,470,000 | $190,000 | $999,000 |
| Hispanic | 61 | $14,982,000 | $245,000 | $668,000 | $138,000 | $650,000 |
| Black or African American | 35 | $8,719,000 | $249,000 | $939,000 | $92,000 | $322,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $658,000 | $329,000 | $415,000 | $236,000 | $350,000 |
| American Indian or Alaskan Native | 2 | $304,000 | $152,000 | $157,000 | $64,000 | $88,000 |
| 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) | 4,606 | $1,275,425,000 | $276,000 | $2,500,000 | $167,000 | $5,351,000 |
| FHA-insured (Federal Housing Administration) | 501 | $90,591,000 | $180,000 | $741,000 | $71,000 | $427,000 |
| VA-guaranteed (Veterans Administration) | 55 | $12,212,000 | $222,000 | $468,000 | $57,000 | $192,000 |
| 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 | 4,376 | $1,141,926,000 | $260,000 | $2,500,000 | $155,000 | $5,351,000 |
| Application Withdrawn By Applicant | 378 | $107,995,000 | $285,000 | $2,000,000 | $161,000 | $1,800,000 |
| Application Denied By Financial Institution | 302 | $95,280,000 | $315,000 | $2,000,000 | $164,000 | $1,200,000 |
| Application Approved But Not Accepted | 64 | $18,981,000 | $296,000 | $1,031,000 | $156,000 | $854,000 |
| File Closed For Incompleteness | 42 | $14,046,000 | $334,000 | $1,241,000 | $260,000 | $3,000,000 |
| 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 | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2010 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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