Stifel Bank & Trust Mortgage Lending & HMDA Data, 2016
In 2016, Stifel Bank & Trust of St Louis, MO reported 8,232 mortgage applications totaling $3.7 billion, up 44% from 2015. The average application was for $454,194, and applicants reported an average income of $138,060. 72% of its applications resulted in an originated loan and 3% were denied. Its largest markets were St. Louis, MO-IL (2,985), New York-Jersey City-White Plains, NY-NJ (386) and San Francisco-Redwood City-South San Francisco, CA (383) (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 | 2016 2015 2014 |
| Total Number of Mortgage Applications | 8,232 |
| Total Mortgage Loan Application Amount | $3,738,926,000 |
| Average Mortgage Loan Application Amount | $454,194 |
| Highest Mortgage Loan Application Amount | $20,000,000 |
| Average Applicant Income | $138,060 |
| Highest Applicant Income | $8,552,000 |
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Act (HMDA) records Stifel Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2016
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 | 4,177 | $2,018,467,000 | $483,000 | $20,000,000 | $155,000 | $8,552,000 |
| Home Purchase | 3,900 | $1,658,017,000 | $425,000 | $6,500,000 | $120,000 | $5,068,000 |
| Home Improvement | 155 | $62,442,000 | $402,000 | $20,000,000 | $136,000 | $480,000 |
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 | 5,961 | $1,828,435,000 | $306,000 | $6,500,000 | $168,000 | $8,552,000 |
| Not applicable | 1,423 | $1,657,743,000 | $1,164,000 | $20,000,000 | $0 | $0 |
| Not Provided | 290 | $118,563,000 | $408,000 | $5,000,000 | $238,000 | $4,493,000 |
| Black or African American | 259 | $35,709,000 | $137,000 | $1,036,000 | $64,000 | $451,000 |
| Asian | 155 | $59,534,000 | $384,000 | $4,000,000 | $192,000 | $1,312,000 |
| Hispanic | 117 | $32,860,000 | $280,000 | $899,000 | $140,000 | $1,359,000 |
| American Indian or Alaskan Native | 16 | $3,247,000 | $202,000 | $417,000 | $74,000 | $160,000 |
| Native Hawaiin or Other Pacific Islander | 11 | $2,835,000 | $257,000 | $481,000 | $104,000 | $183,000 |
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) | 7,356 | $3,588,138,000 | $487,000 | $20,000,000 | $147,000 | $8,552,000 |
| FHA-insured (Federal Housing Administration) | 646 | $91,952,000 | $142,000 | $605,000 | $58,000 | $1,181,000 |
| VA-guaranteed (Veterans Administration) | 216 | $56,936,000 | $263,000 | $715,000 | $83,000 | $447,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,900,000 | $135,000 | $202,000 | $46,000 | $82,000 |
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 | 5,894 | $1,809,733,000 | $307,000 | $20,000,000 | $166,000 | $8,552,000 |
| Loan Purchased By The Institution | 1,422 | $1,637,743,000 | $1,151,000 | $20,000,000 | $0 | $0 |
| Application Withdrawn By Applicant | 661 | $215,132,000 | $325,000 | $6,500,000 | $183,000 | $3,321,000 |
| Application Denied By Financial Institution | 223 | $67,616,000 | $303,000 | $2,318,000 | $137,000 | $1,681,000 |
| File Closed For Incompleteness | 23 | $6,143,000 | $267,000 | $753,000 | $195,000 | $750,000 |
| Application Approved But Not Accepted | 9 | $2,559,000 | $284,000 | $608,000 | $137,000 | $288,000 |
| 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 2016 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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