Applications / Mortgage Analytics / Lenders / Missouri / Stifel Bank and Trust
Saint Louis, MO · State member bank · FRS · $19.4 billion assets · 4,497 loans in 2025
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4,497
loans originated, 2025
5,127
applications, 2025
51
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Stifel Bank and Trust makes large loans nationwide from a St. Louis base, where it ranks fourth, and its originations rose 18% in 2025 while similar banks barely grew.
Similar lenders are state member banks making between half and twice as many loans. Its typical loan was $375,000 against $205,000, higher than more than nine in ten of them, and 15.2% of loans were jumbo (larger than the conforming limit) against 4.8%. It lent in 51 states.
Originations rose 18% against 1% for similar banks and 10% for the whole market. In St. Louis it ranked 4 of 637, with 3.3% of the market against 3.2% a year before.
LMI (low- and moderate-income) borrowers took 12.7% of its loans against 25.8%, and LMI areas 9.4% against 15.9%, both lower than more than nine in ten similar banks. Its larger, often jumbo loans may draw higher-income borrowers.
Almost none of its loans were higher-priced (a rate well above the average for similar loans): 0.0% against 1.8%. Its typical rate of 6.12% was lower than more than nine in ten similar banks' 6.66%. It turned down 1.0% of first-lien home-purchase and 1.9% of refinance applications on owner-occupied homes, against 9.2% and 19.0%, the lowest among similar banks. Borrowers taking larger loans, and few FHA loans (insured by the Federal Housing Administration), may account for both.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Stifel Bank and Trust took 5,127 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 62.9% · Other 18.5% · Refinance 18.2% · Home improvement 0.4%
Conventional 96.9% · FHA 1.9% · VA 1.2% · of 4,497 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 | 1,522 | 33.8% |
| California | 364 | 8.1% |
| Florida | 265 | 5.9% |
| Illinois | 150 | 3.3% |
| Texas | 142 | 3.2% |
| New York | 138 | 3.1% |
| North Carolina | 122 | 2.7% |
| New Jersey | 119 | 2.6% |
| Georgia | 115 | 2.6% |
| Colorado | 104 | 2.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 1,492 |
| Los Angeles-Long Beach-Glendale | 95 |
| New York-Jersey City-White Plains | 70 |
| Phoenix-Mesa-Chandler | 69 |
| Chicago-Naperville-Schaumburg | 58 |
| Denver-Aurora-Centennial | 56 |
| Dallas-Plano-Irving | 54 |
| Nassau County-Suffolk County | 48 |
| Nashville-Davidson--Murfreesboro--Franklin | 42 |
| Indianapolis-Carmel-Greenwood | 41 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | CKVBED0S4DMLKJJ5XH28 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3076248 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 357311 | 2003–2013 |
| Respondent ID (the HMDA filer code before 2018) | 23076248 | 2014–2016 |
| Respondent ID (the HMDA filer code before 2018) | 93076248 | 2017–2017 |
Established 16 April 2002. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: Stifel Bank and Trust's data.
Stifel Bank and Trust's data
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