Applications / Mortgage Analytics / Lenders / Missouri / Enterprise Bank & Trust
Clayton, MO · State member bank · FRS · $17.3 billion assets · 186 loans in 2025
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186
loans originated, 2025
292
applications, 2025
9
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Enterprise Bank & Trust makes an ordinary number of home loans for its peer group but much larger ones, typically $270,000 against $175,000 for similar lenders.
Its 186 loans sit near the middle of similar lenders (state member banks making between half and twice as many loans), but its $106.0 million is higher than more than four in five of them, against $49.4 million for the typical peer. 6.9% of its loans were jumbo (larger than the conforming limit), against 1.4%.
The count rose 8%, close to peers' 7%, but dollars fell from $146.0 million to $106.0 million as jumbo lending eased from 10.9%. Its Kansas City share slipped from 0.3% to 0.1%, a share a few loans can move, while in Fresno, entered in 2020, it rose from 0.0% to 0.2%.
19.4% of loans were in majority-minority areas, against 4.3%, higher than about four in five peers; 18.3% were in LMI (low- and moderate-income) areas, near the middle. 22.0% went to LMI borrowers, against 28.6%, among the lowest quarter. Large loans in city markets could produce both patterns.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Enterprise Bank & Trust took 292 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 64.5% · Refinance 23.1% · Home improvement 7.5% · Other 4.8%
Conventional 95.7% · FHA 3.8% · VA 0.5% · of 186 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Missouri | 111 | 59.7% |
| New Mexico | 34 | 18.3% |
| Kansas | 17 | 9.1% |
| California | 13 | 7.0% |
| Arizona | 5 | 2.7% |
| Colorado | 2 | 1.1% |
| Texas | 2 | 1.1% |
| Illinois | 1 | 0.5% |
| Nevada | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 105 |
| Kansas City | 20 |
| Santa Fe | 11 |
| Albuquerque | 6 |
| Los Angeles-Long Beach-Glendale | 4 |
| Phoenix-Mesa-Chandler | 4 |
| San Diego-Chula Vista-Carlsbad | 4 |
| Anaheim-Santa Ana-Irvine | 3 |
| Fort Collins-Loveland | 2 |
| Fresno | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | K0ZDN2CBIQC0EHBKNK35 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1190476 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 327237 | 1990–2017 |
Established 9 May 1988. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Enterprise Bank & Trust's data.
Enterprise Bank & Trust's data
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Enterprise Bank & Trust and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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