Stifel Bank & Trust Mortgage Lending & HMDA Data, 2014
In 2014, Stifel Bank & Trust of St Louis, MO reported 3,942 mortgage applications totaling $1.0 billion. The average application was for $264,642, and applicants reported an average income of $133,200. 82% of its applications resulted in an originated loan and 5% were denied. Its largest markets were St. Louis, MO-IL (2,049), New York-Jersey City-White Plains, NY-NJ (102) and Los Angeles-Long Beach-Glendale, CA (46) (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 | 3,942 |
| Total Mortgage Loan Application Amount | $1,043,219,000 |
| Average Mortgage Loan Application Amount | $264,642 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $133,200 |
| Highest Applicant Income | $3,513,000 |
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Act (HMDA) records Stifel Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2014
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 | 2,447 | $593,971,000 | $242,000 | $3,000,000 | $130,000 | $3,513,000 |
| Refinancing | 1,422 | $432,300,000 | $304,000 | $2,500,000 | $138,000 | $2,674,000 |
| Home Improvement | 73 | $16,948,000 | $232,000 | $1,225,000 | $147,000 | $921,000 |
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 | 3,318 | $868,419,000 | $261,000 | $3,000,000 | $139,000 | $3,513,000 |
| Not Provided | 206 | $56,561,000 | $274,000 | $1,470,000 | $139,000 | $691,000 |
| Black or African American | 204 | $23,911,000 | $117,000 | $556,000 | $62,000 | $303,000 |
| Asian | 80 | $24,886,000 | $311,000 | $1,184,000 | $146,000 | $670,000 |
| Hispanic | 75 | $19,893,000 | $265,000 | $1,752,000 | $126,000 | $1,142,000 |
| Not applicable | 49 | $47,253,000 | $964,000 | $2,010,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,568,000 | $224,000 | $460,000 | $129,000 | $498,000 |
| American Indian or Alaskan Native | 3 | $728,000 | $242,000 | $400,000 | $100,000 | $147,000 |
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) | 3,283 | $936,455,000 | $285,000 | $3,000,000 | $148,000 | $3,513,000 |
| FHA-insured (Federal Housing Administration) | 486 | $68,578,000 | $141,000 | $556,000 | $54,000 | $303,000 |
| VA-guaranteed (Veterans Administration) | 155 | $35,852,000 | $231,000 | $630,000 | $85,000 | $318,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $2,334,000 | $129,000 | $231,000 | $42,000 | $75,000 |
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 | 3,220 | $831,981,000 | $258,000 | $3,000,000 | $138,000 | $3,513,000 |
| Application Withdrawn By Applicant | 410 | $108,250,000 | $264,000 | $3,000,000 | $136,000 | $1,109,000 |
| Application Denied By Financial Institution | 193 | $42,362,000 | $219,000 | $1,485,000 | $123,000 | $1,200,000 |
| Loan Purchased By The Institution | 107 | $57,351,000 | $535,000 | $2,010,000 | $2,000 | $235,000 |
| File Closed For Incompleteness | 7 | $2,179,000 | $311,000 | $626,000 | $193,000 | $361,000 |
| Application Approved But Not Accepted | 5 | $1,096,000 | $219,000 | $320,000 | $104,000 | $198,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 2 | $185,000 | $92,000 | $93,000 | $50,000 | $53,000 |
| Debt-To-Income Ratio | 1 | $150,000 | $150,000 | $150,000 | $50,000 | $50,000 |
| Collateral | 1 | $95,000 | $95,000 | $95,000 | $56,000 | $56,000 |
| Credit Application Incomplete | 1 | $175,000 | $175,000 | $175,000 | $134,000 | $134,000 |
| 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 2014 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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