Stifel Bank & Trust Mortgage Lending & HMDA Data, 2015
In 2015, Stifel Bank & Trust of St Louis, MO reported 5,703 mortgage applications totaling $1.6 billion, up 45% from 2014. The average application was for $282,175, and applicants reported an average income of $136,549. 85% of its applications resulted in an originated loan and 4% were denied. Its largest markets were St. Louis, MO-IL (2,723), New York-Jersey City-White Plains, NY-NJ (167) and Newark, NJ-PA (70) (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 | 5,703 |
| Total Mortgage Loan Application Amount | $1,609,248,000 |
| Average Mortgage Loan Application Amount | $282,175 |
| Highest Mortgage Loan Application Amount | $7,476,000 |
| Average Applicant Income | $136,549 |
| Highest Applicant Income | $8,400,000 |
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Act (HMDA) records Stifel Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2015
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 | 3,017 | $745,508,000 | $247,000 | $7,476,000 | $122,000 | $3,545,000 |
| Refinancing | 2,590 | $841,040,000 | $324,000 | $7,447,000 | $154,000 | $8,400,000 |
| Home Improvement | 96 | $22,700,000 | $236,000 | $1,200,000 | $123,000 | $372,000 |
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 | 4,895 | $1,294,146,000 | $264,000 | $3,880,000 | $141,000 | $8,400,000 |
| Black or African American | 259 | $37,705,000 | $145,000 | $2,450,000 | $73,000 | $2,799,000 |
| Not Provided | 225 | $73,395,000 | $326,000 | $2,458,000 | $192,000 | $2,738,000 |
| Not applicable | 120 | $145,638,000 | $1,213,000 | $7,476,000 | $0 | $0 |
| Asian | 94 | $27,289,000 | $290,000 | $980,000 | $139,000 | $492,000 |
| Hispanic | 89 | $24,049,000 | $270,000 | $1,176,000 | $117,000 | $385,000 |
| American Indian or Alaskan Native | 13 | $4,794,000 | $368,000 | $880,000 | $162,000 | $445,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $2,232,000 | $279,000 | $565,000 | $126,000 | $254,000 |
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) | 4,769 | $1,450,854,000 | $304,000 | $7,476,000 | $151,000 | $8,400,000 |
| FHA-insured (Federal Housing Administration) | 736 | $113,460,000 | $154,000 | $722,000 | $58,000 | $338,000 |
| VA-guaranteed (Veterans Administration) | 170 | $41,189,000 | $242,000 | $937,000 | $85,000 | $299,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 28 | $3,745,000 | $133,000 | $221,000 | $45,000 | $89,000 |
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 | 4,852 | $1,269,679,000 | $261,000 | $3,880,000 | $137,000 | $3,545,000 |
| Application Withdrawn By Applicant | 489 | $128,754,000 | $263,000 | $2,730,000 | $176,000 | $8,400,000 |
| Application Denied By Financial Institution | 229 | $61,315,000 | $267,000 | $2,000,000 | $129,000 | $2,625,000 |
| Loan Purchased By The Institution | 121 | $145,818,000 | $1,205,000 | $7,476,000 | $0 | $0 |
| File Closed For Incompleteness | 7 | $2,454,000 | $350,000 | $600,000 | $165,000 | $296,000 |
| Application Approved But Not Accepted | 5 | $1,228,000 | $245,000 | $417,000 | $110,000 | $254,000 |
| 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 2015 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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