Stifel Bank And Trust Mortgage Rates, Fees & Info

Saint Louis, MO

LEI: CKVBED0S4DMLKJJ5XH28

Tax ID: 43-1950333

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Mortgage Data

Bank Data

Review & Overview

Stifel Bank And Trust is a small bank specializing in Home Purchase loans. Stifel Bank And Trust has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: St. Louis, New York, Los Angeles, Miami, and San Francisco among others. We have data for 343 markets. (Some data included below & more in-depth data is available with an active subscription.)

Stifel Bank And Trust has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Stifel Bank And Trust is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.37% 3/25/24
30 Year Conventional Purchase 5.91% 3/25/24
30 Year Conventional Refi 5.89% 3/25/24
30 Year Cash-out Refi 5.93% 3/25/24
30 Year FHA Purchase 6.87% 3/25/24
30 Year FHA Refi 6.27% 3/25/24
30 Year VA Purchase 6.04% 3/25/24
30 Year VA Refi 5.92% 3/25/24
30 Year USDA Purchase 6.39% 3/25/24
15 Year Conventional Purchase 5.02% 3/25/24
15 Year Conventional Refi 5.17% 3/25/24
15 Year Cash-out Refi 5.17% 3/25/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Stifel Bank And Trust Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Stifel Bank And Trust. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

4,357

Origination Dollar Volume (All Markets)

$1,421,595,000

Employee count

176 Show all (90) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
ST. LOUIS, MO-IL (FHA|USDA|VA) 1,823 $410,915,000 $225,406 $2,473 4.47%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 147 $92,765,000 $631,054 $4,836 4.12%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 89 $83,595,000 $939,270 $3,923 3.88%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 61 $37,835,000 $620,246 $4,119 4.08%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 34 $33,360,000 $981,176 $3,370 3.83%
Outside of Metro Areas 91 $30,585,000 $336,099 $2,556 4.33%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 39 $26,335,000 $675,256 $3,838 4.23%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 55 $24,095,000 $438,091 $3,339 4.21%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 53 $20,845,000 $393,302 $3,034 4.11%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 27 $20,355,000 $753,889 $4,084 4.18%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 47 $19,845,000 $422,234 $2,386 4.14%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 87 $18,745,000 $215,460 $3,438 4.77%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 28 $18,020,000 $643,571 $3,504 4.04%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 11 $15,975,000 $1,452,273 $3,870 3.64%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 16 $15,800,000 $987,500 $4,827 3.70%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 29 $15,165,000 $522,931 $3,685 4.19%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 36 $14,330,000 $398,056 $4,379 4.34%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 27 $14,225,000 $526,852 $3,580 4.16%
COLUMBUS, GA-AL (FHA|USDA|VA) 35 $12,925,000 $369,286 $3,381 4.39%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 21 $12,115,000 $576,905 $3,589 4.02%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 44 $11,930,000 $271,136 $3,827 4.59%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 21 $11,585,000 $551,667 $3,842 4.24%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 21 $11,315,000 $538,810 $4,724 3.89%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 30 $10,330,000 $344,333 $3,135 4.29%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 21 $10,225,000 $486,905 $2,680 4.33%
Heber, UT (FHA|USDA|VA) 6 $8,960,000 $1,493,333 $6,538 3.88%
JACKSONVILLE, FL (FHA|USDA|VA) 60 $8,880,000 $148,000 $2,190 5.03%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 27 $8,825,000 $326,852 $3,133 4.15%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 74 $8,820,000 $119,189 $2,684 5.09%
KANSAS CITY, MO-KS (FHA|USDA|VA) 56 $8,030,000 $143,393 $2,113 4.98%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 29 $7,995,000 $275,690 $1,753 4.29%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 14 $7,870,000 $562,143 $4,655 4.17%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 12 $7,850,000 $654,167 $3,632 3.98%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 23 $7,765,000 $337,609 $3,555 4.36%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 15 $7,595,000 $506,333 $3,484 4.03%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 22 $7,570,000 $344,091 $3,159 4.17%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 20 $7,220,000 $361,000 $2,992 4.13%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 15 $7,185,000 $479,000 $4,414 4.38%
Bozeman, MT (FHA|USDA|VA) 15 $5,765,000 $384,333 $2,585 4.22%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 10 $5,760,000 $576,000 $3,702 4.19%
Glenwood Springs, CO (FHA|USDA|VA) 10 $5,550,000 $555,000 $2,271 4.15%
RALEIGH-CARY, NC (FHA|USDA|VA) 20 $5,550,000 $277,500 $3,002 4.46%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 17 $5,415,000 $318,529 $2,847 4.32%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 21 $5,195,000 $247,381 $2,664 4.45%
BOISE CITY, ID (FHA|USDA|VA) 13 $4,775,000 $367,308 $2,678 4.27%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 8 $4,750,000 $593,750 $3,514 3.83%
RICHMOND, VA (FHA|USDA|VA) 9 $4,585,000 $509,444 $3,759 4.13%
Key West, FL (FHA|USDA|VA) 6 $4,420,000 $736,667 $5,317 3.46%
NAPA, CA (FHA|USDA|VA) 3 $4,365,000 $1,455,000 $3,029 3.42%
Sheridan, WY (FHA|USDA|VA) 18 $4,320,000 $240,000 $2,083 4.40%
SALT LAKE CITY, UT (FHA|USDA|VA) 12 $4,290,000 $357,500 $2,680 4.34%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 8 $4,150,000 $518,750 $2,610 3.91%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 52 $4,050,000 $77,885 $2,167 5.07%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 7 $4,045,000 $577,857 $2,667 4.34%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 6 $3,930,000 $655,000 $3,784 4.02%
EL PASO, TX (FHA|USDA|VA) 16 $3,830,000 $239,375 $2,383 4.36%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 13 $3,785,000 $291,154 $3,099 4.16%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 9 $3,765,000 $418,333 $4,066 4.44%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 12 $3,720,000 $310,000 $2,463 3.96%
SAVANNAH, GA (FHA|USDA|VA) 8 $3,720,000 $465,000 $3,525 4.25%
RENO, NV (FHA|USDA|VA) 8 $3,580,000 $447,500 $3,530 4.16%
MONTGOMERY, AL (FHA|USDA|VA) 12 $3,560,000 $296,667 $3,013 4.26%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 12 $3,460,000 $288,333 $2,439 4.00%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 14 $3,400,000 $242,857 $2,431 4.28%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 7 $3,345,000 $477,857 $2,818 4.20%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 10 $3,240,000 $324,000 $2,748 4.24%
LOUISVILLE, KY (FHA|USDA|VA) 16 $3,240,000 $202,500 $2,293 4.73%
URBAN HONOLULU, HI (FHA|USDA|VA) 6 $3,220,000 $536,667 $3,265 4.31%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 12 $3,220,000 $268,333 $3,310 4.32%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 5 $3,175,000 $635,000 $3,141 3.85%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 13 $3,125,000 $240,385 $2,820 4.43%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 7 $3,105,000 $443,571 $5,191 4.41%
SALINAS, CA (FHA|USDA|VA) 4 $3,090,000 $772,500 $3,350 4.16%
Durango, CO (FHA|USDA|VA) 3 $3,055,000 $1,018,333 $3,405 4.33%
COLUMBIA, MO (FHA|USDA|VA) 11 $3,055,000 $277,727 $1,717 4.15%
Outside of Metro Areas 5 $2,995,000 $599,000 $3,762 3.98%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 6 $2,880,000 $480,000 $3,249 3.96%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 10 $2,850,000 $285,000 $5,177 4.54%
FRESNO, CA (FHA|USDA|VA) 5 $2,815,000 $563,000 $6,507 4.05%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 8 $2,610,000 $326,250 $2,506 4.08%
SALEM, OR (FHA|USDA|VA) 9 $2,565,000 $285,000 $2,943 4.47%
BEND, OR (FHA|USDA|VA) 6 $2,530,000 $421,667 $3,494 3.98%
Vineyard Haven, MA (FHA|USDA|VA) 2 $2,490,000 $1,245,000 $6,973 4.00%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 5 $2,455,000 $491,000 $2,868 4.20%
Milledgeville, GA (FHA|USDA|VA) 11 $2,425,000 $220,455 $2,499 4.48%
CHICO, CA (FHA|USDA|VA) 9 $2,365,000 $262,778 $2,403 4.14%
Dickinson, ND (FHA|USDA|VA) 10 $2,360,000 $236,000 $3,008 4.38%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 7 $2,305,000 $329,286 $1,726 4.32%
COLUMBUS, OH (FHA|USDA|VA) 6 $2,200,000 $366,667 $2,190 4.46%
Hailey, ID (FHA|USDA|VA) 3 $2,125,000 $708,333 $3,674 3.67%
BISMARCK, ND (FHA|USDA|VA) 7 $2,125,000 $303,571 $2,281 4.02%
OKLAHOMA CITY, OK (FHA|USDA|VA) 9 $2,105,000 $233,889 $2,668 5.00%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 15 $2,085,000 $139,000 $2,308 5.10%
PITTSBURGH, PA (FHA|USDA|VA) 10 $2,060,000 $206,000 $3,502 4.46%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 11 $2,055,000 $186,818 $1,924 4.38%
TALLAHASSEE, FL (FHA|USDA|VA) 3 $2,005,000 $668,333 $5,042 3.83%
CORPUS CHRISTI, TX (FHA|USDA|VA) 5 $1,975,000 $395,000 $3,806 4.10%
Edwards, CO (FHA|USDA|VA) 3 $1,935,000 $645,000 $2,502 3.71%
REDDING, CA (FHA|USDA|VA) 5 $1,905,000 $381,000 $3,882 4.48%
ROCHESTER, NY (FHA|USDA|VA) 7 $1,905,000 $272,143 $3,379 4.32%
SALISBURY, MD-DE (FHA|USDA|VA) 7 $1,815,000 $259,286 $2,855 4.46%
BILLINGS, MT (FHA|USDA|VA) 9 $1,795,000 $199,444 $2,912 3.90%
PORT ST. LUCIE, FL (FHA|USDA|VA) 4 $1,740,000 $435,000 $3,427 3.59%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 5 $1,665,000 $333,000 $2,954 4.10%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 5 $1,625,000 $325,000 $3,979 4.38%
TULSA, OK (FHA|USDA|VA) 8 $1,620,000 $202,500 $3,150 4.31%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 4 $1,570,000 $392,500 $3,322 4.47%
ASHEVILLE, NC (FHA|USDA|VA) 3 $1,545,000 $515,000 $2,990 3.83%
Hilo, HI (FHA|USDA|VA) 3 $1,485,000 $495,000 $3,393 4.00%
VISALIA, CA (FHA|USDA|VA) 4 $1,480,000 $370,000 $2,309 4.41%
MOBILE, AL (FHA|USDA|VA) 7 $1,455,000 $207,857 $2,603 4.34%
MANKATO, MN (FHA|USDA|VA) 4 $1,400,000 $350,000 $2,496 4.09%
SPRINGFIELD, MO (FHA|USDA|VA) 5 $1,395,000 $279,000 $2,024 3.93%
Brainerd, MN (FHA|USDA|VA) 5 $1,395,000 $279,000 $3,118 4.23%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 5 $1,385,000 $277,000 $3,417 3.85%
LAWRENCE, KS (FHA|USDA|VA) 2 $1,370,000 $685,000 $2,555 4.13%
BOULDER, CO (FHA|USDA|VA) 1 $1,365,000 $1,365,000 $2,441 4.50%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 4 $1,350,000 $337,500 $2,613 4.16%
Alexander City, AL (FHA|USDA|VA) 4 $1,300,000 $325,000 $2,214 3.91%
COLORADO SPRINGS, CO (FHA|USDA|VA) 4 $1,290,000 $322,500 $2,470 4.06%
VALDOSTA, GA (FHA|USDA|VA) 6 $1,230,000 $205,000 $2,644 4.44%
JACKSON, MS (FHA|USDA|VA) 4 $1,190,000 $297,500 $3,341 4.16%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 7 $1,175,000 $167,857 $2,897 4.18%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 10 $1,150,000 $115,000 $2,404 4.93%
TUCSON, AZ (FHA|USDA|VA) 6 $1,140,000 $190,000 $2,358 4.02%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 5 $1,135,000 $227,000 $2,138 4.00%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 4 $1,100,000 $275,000 $2,662 4.78%
ROCHESTER, MN (FHA|USDA|VA) 4 $1,040,000 $260,000 $2,433 4.47%
WICHITA, KS (FHA|USDA|VA) 5 $1,035,000 $207,000 $2,045 4.28%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 7 $1,035,000 $147,857 $2,668 4.82%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 4 $1,030,000 $257,500 $2,377 3.94%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 6 $1,020,000 $170,000 $2,506 4.60%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 2 $1,010,000 $505,000 $4,647 4.44%
Torrington, CT (FHA|USDA|VA) 2 $1,000,000 $500,000 $2,916 4.44%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $995,000 $995,000 $3,093 3.75%
Morehead City, NC (FHA|USDA|VA) 3 $965,000 $321,667 $2,541 4.13%
Whitewater, WI (FHA|USDA|VA) 1 $925,000 $925,000 $3,489 3.63%
MADISON, WI (FHA|USDA|VA) 4 $920,000 $230,000 $1,746 4.22%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 4 $920,000 $230,000 $2,989 4.69%
Kapaa, HI (FHA|USDA|VA) 2 $910,000 $455,000 $3,941 4.44%
Warsaw, IN (FHA|USDA|VA) 2 $890,000 $445,000 $1,413 3.81%
FORT COLLINS, CO (FHA|USDA|VA) 3 $875,000 $291,667 $2,326 4.58%
PROVO-OREM, UT (FHA|USDA|VA) 3 $855,000 $285,000 $4,835 4.54%
Taos, NM (FHA|USDA|VA) 2 $850,000 $425,000 $3,419 3.75%
WENATCHEE, WA (FHA|USDA|VA) 3 $845,000 $281,667 $3,241 4.46%
KNOXVILLE, TN (FHA|USDA|VA) 3 $825,000 $275,000 $2,740 4.42%
OCEAN CITY, NJ (FHA|USDA|VA) 2 $820,000 $410,000 $3,745 3.94%
SPRINGFIELD, IL (FHA|USDA|VA) 1 $815,000 $815,000 $1,740 4.38%
Breckenridge, CO (FHA|USDA|VA) 2 $810,000 $405,000 $2,285 4.00%
Brevard, NC (FHA|USDA|VA) 2 $770,000 $385,000 $3,450 3.81%
COLUMBIA, SC (FHA|USDA|VA) 3 $765,000 $255,000 $2,732 4.58%
PUEBLO, CO (FHA|USDA|VA) 2 $750,000 $375,000 $1,925 3.81%
GLENS FALLS, NY (FHA|USDA|VA) 2 $730,000 $365,000 $4,140 4.56%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 3 $725,000 $241,667 $1,745 4.79%
Easton, MD (FHA|USDA|VA) 1 $725,000 $725,000 $4,068 3.38%
SANTA FE, NM (FHA|USDA|VA) 2 $720,000 $360,000 $7,064 4.31%
Boone, NC (FHA|USDA|VA) 3 $705,000 $235,000 $2,319 4.42%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 4 $700,000 $175,000 $2,747 4.84%
GAINESVILLE, FL (FHA|USDA|VA) 3 $695,000 $231,667 $3,788 4.83%
DULUTH, MN-WI (FHA|USDA|VA) 5 $665,000 $133,000 $3,294 4.53%
IDAHO FALLS, ID (FHA|USDA|VA) 2 $630,000 $315,000 $3,073 4.75%
BURLINGTON, NC (FHA|USDA|VA) 1 $625,000 $625,000 $2,726 3.88%
SYRACUSE, NY (FHA|USDA|VA) 2 $610,000 $305,000 $4,217 4.19%
Adrian, MI (FHA|USDA|VA) 1 $605,000 $605,000 $2,822 4.50%
Forest City, NC (FHA|USDA|VA) 1 $605,000 $605,000 $2,411 3.25%
BAKERSFIELD, CA (FHA|USDA|VA) 2 $590,000 $295,000 $2,156 4.44%
NILES, MI (FHA|USDA|VA) 3 $585,000 $195,000 $2,439 4.54%
Lebanon, NH-VT (FHA|USDA|VA) 2 $580,000 $290,000 $2,499 4.38%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 3 $565,000 $188,333 $3,167 4.79%
Tupelo, MS (FHA|USDA|VA) 2 $560,000 $280,000 $2,784 3.88%
GREELEY, CO (FHA|USDA|VA) 2 $560,000 $280,000 $2,750 4.19%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 4 $560,000 $140,000 $2,279 4.78%
Marquette, MI (FHA|USDA|VA) 1 $555,000 $555,000 $2,709 4.00%
Dodge City, KS (FHA|USDA|VA) 1 $555,000 $555,000 $2,558 3.75%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 2 $540,000 $270,000 $3,361 4.31%
Rutland, VT (FHA|USDA|VA) 2 $530,000 $265,000 $2,447 3.75%
DALTON, GA (FHA|USDA|VA) 1 $505,000 $505,000 $3,851 4.38%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $505,000 $505,000 $2,886 3.25%
Beaver Dam, WI (FHA|USDA|VA) 1 $485,000 $485,000 $2,440 3.88%
THE VILLAGES, FL (FHA|USDA|VA) 2 $480,000 $240,000 $2,919 4.00%
Alamogordo, NM (FHA|USDA|VA) 3 $475,000 $158,333 $2,911 4.38%
Holland, MI (FHA|USDA|VA) 2 $470,000 $235,000 $2,041 4.25%
FORT WAYNE, IN (FHA|USDA|VA) 2 $470,000 $235,000 $1,606 4.69%
DAYTON-KETTERING, OH (FHA|USDA|VA) 5 $465,000 $93,000 $3,259 5.00%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 3 $455,000 $151,667 $3,294 4.25%
SIOUX FALLS, SD (FHA|USDA|VA) 2 $450,000 $225,000 $2,615 3.88%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 2 $450,000 $225,000 $3,398 3.69%
YUMA, AZ (FHA|USDA|VA) 2 $450,000 $225,000 $2,584 4.38%
LYNCHBURG, VA (FHA|USDA|VA) 2 $440,000 $220,000 $2,242 4.38%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 2 $440,000 $220,000 $1,888 3.63%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 3 $435,000 $145,000 $1,938 4.46%
LAS CRUCES, NM (FHA|USDA|VA) 2 $430,000 $215,000 $1,526 3.94%
Marion, IN (FHA|USDA|VA) 2 $430,000 $215,000 $1,262 4.75%
Concord, NH (FHA|USDA|VA) 1 $425,000 $425,000 $2,626 4.25%
COLUMBUS, IN (FHA|USDA|VA) 2 $420,000 $210,000 $1,377 5.06%
Traverse City, MI (FHA|USDA|VA) 2 $420,000 $210,000 $3,433 4.44%
VALLEJO, CA (FHA|USDA|VA) 2 $420,000 $210,000 $2,045 4.25%
Hudson, NY (FHA|USDA|VA) 1 $415,000 $415,000 $3,926 3.75%
Keene, NH (FHA|USDA|VA) 1 $415,000 $415,000 $3,126 4.75%
ST. GEORGE, UT (FHA|USDA|VA) 2 $410,000 $205,000 $2,638 3.69%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 3 $405,000 $135,000 $2,130 4.42%
LANCASTER, PA (FHA|USDA|VA) 2 $400,000 $200,000 $3,139 4.50%
Branson, MO (FHA|USDA|VA) 3 $385,000 $128,333 $1,639 4.33%
CANTON-MASSILLON, OH (FHA|USDA|VA) 3 $385,000 $128,333 $2,015 4.17%
Truckee-Grass Valley, CA (FHA|USDA|VA) 2 $380,000 $190,000 $2,346 4.50%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 2 $380,000 $190,000 $2,622 4.13%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 2 $380,000 $190,000 $2,871 4.38%
MEDFORD, OR (FHA|USDA|VA) 1 $375,000 $375,000 $2,613 4.13%
JACKSON, TN (FHA|USDA|VA) 2 $370,000 $185,000 $1,974 4.56%
WORCESTER, MA-CT (FHA|USDA|VA) 1 $365,000 $365,000 $2,285 4.00%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 2 $360,000 $180,000 $3,456 4.19%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $355,000 $355,000 $2,602 3.25%
Astoria, OR (FHA|USDA|VA) 1 $355,000 $355,000 $2,642 4.50%
SPRINGFIELD, MA (FHA|USDA|VA) 2 $350,000 $175,000 $2,566 4.75%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 1 $345,000 $345,000 $2,877 4.75%
Albemarle, NC (FHA|USDA|VA) 1 $345,000 $345,000 $2,557 3.88%
Columbus, MS (FHA|USDA|VA) 2 $340,000 $170,000 $2,865 4.75%
ITHACA, NY (FHA|USDA|VA) 1 $335,000 $335,000 $9,564 4.25%
Yankton, SD (FHA|USDA|VA) 1 $335,000 $335,000 $2,944 3.63%
Jasper, IN (FHA|USDA|VA) 1 $335,000 $335,000 $2,295 3.88%
ANN ARBOR, MI (FHA|USDA|VA) 1 $335,000 $335,000 $2,554 5.00%
BATON ROUGE, LA (FHA|USDA|VA) 1 $335,000 $335,000 $4,768 4.50%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $325,000 $325,000 $4,624 4.25%
KINGSTON, NY (FHA|USDA|VA) 1 $325,000 $325,000 $2,700 4.75%
Meridian, MS (FHA|USDA|VA) 2 $320,000 $160,000 $2,830 4.63%
Kalispell, MT (FHA|USDA|VA) 2 $310,000 $155,000 $4,754 3.94%
Crossville, TN (FHA|USDA|VA) 1 $305,000 $305,000 $2,579 4.50%
MADERA, CA (FHA|USDA|VA) 1 $295,000 $295,000 $3,642 4.50%
Roanoke Rapids, NC (FHA|USDA|VA) 1 $295,000 $295,000 $2,185 4.00%
LEBANON, PA (FHA|USDA|VA) 2 $290,000 $145,000 $2,693 4.63%
WILMINGTON, NC (FHA|USDA|VA) 2 $290,000 $145,000 $2,294 3.63%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $285,000 $285,000 $3,543 3.75%
Jackson, WY-ID (FHA|USDA|VA) 1 $285,000 $285,000 $1,958 4.13%
PUNTA GORDA, FL (FHA|USDA|VA) 2 $280,000 $140,000 $2,337 4.50%
Eureka-Arcata, CA (FHA|USDA|VA) 1 $275,000 $275,000 $2,346 5.13%
Montrose, CO (FHA|USDA|VA) 1 $275,000 $275,000 $2,702 4.50%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $275,000 $275,000 $2,041 4.50%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $265,000 $265,000 $1,839 3.75%
Cullowhee, NC (FHA|USDA|VA) 1 $265,000 $265,000 $2,967 3.75%
GRANTS PASS, OR (FHA|USDA|VA) 1 $265,000 $265,000 $3,046 4.63%
Payson, AZ (FHA|USDA|VA) 1 $265,000 $265,000 $2,459 4.00%
Rolla, MO (FHA|USDA|VA) 2 $260,000 $130,000 $3,144 4.44%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 2 $260,000 $130,000 $2,006 4.38%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $260,000 $130,000 $2,180 4.25%
TOPEKA, KS (FHA|USDA|VA) 2 $260,000 $130,000 $1,677 4.38%
Del Rio, TX (FHA|USDA|VA) 1 $255,000 $255,000 $5,047 4.50%
GAINESVILLE, GA (FHA|USDA|VA) 1 $245,000 $245,000 $5,378 4.25%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $245,000 $245,000 $2,497 4.63%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $245,000 $245,000 $8,945 4.63%
DOVER, DE (FHA|USDA|VA) 1 $245,000 $245,000 $2,872 3.63%
Mountain Home, AR (FHA|USDA|VA) 1 $245,000 $245,000 $2,195 4.50%
ROCKY MOUNT, NC (FHA|USDA|VA) 1 $245,000 $245,000 $2,076 4.00%
FLINT, MI (FHA|USDA|VA) 2 $240,000 $120,000 $2,012 4.63%
WINCHESTER, VA-WV (FHA|USDA|VA) 1 $235,000 $235,000 $2,551 4.75%
JOPLIN, MO (FHA|USDA|VA) 1 $235,000 $235,000 $2,823 4.50%
EAU CLAIRE, WI (FHA|USDA|VA) 1 $235,000 $235,000 $1,041 4.25%
RACINE, WI (FHA|USDA|VA) 1 $235,000 $235,000 $1,601 4.00%
UTICA-ROME, NY (FHA|USDA|VA) 1 $235,000 $235,000 $3,395 4.50%
DECATUR, IL (FHA|USDA|VA) 1 $235,000 $235,000 $1,919 3.63%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $225,000 $225,000 $3,163 4.38%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $225,000 $225,000 $1,700 4.63%
MISSOULA, MT (FHA|USDA|VA) 1 $225,000 $225,000 $2,558 4.25%
TOLEDO, OH (FHA|USDA|VA) 1 $225,000 $225,000 $2,783 5.00%
Barre, VT (FHA|USDA|VA) 1 $215,000 $215,000 $2,944 4.63%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $215,000 $215,000 $2,004 4.88%
ANCHORAGE, AK (FHA|USDA|VA) 1 $205,000 $205,000 $3,210 5.38%
JEFFERSON CITY, MO (FHA|USDA|VA) 1 $205,000 $205,000 $2,135 4.38%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $205,000 $205,000 $2,960 3.75%
LINCOLN, NE (FHA|USDA|VA) 1 $205,000 $205,000 $2,153 4.50%
PEORIA, IL (FHA|USDA|VA) 2 $200,000 $100,000 $2,040 4.31%
WACO, TX (FHA|USDA|VA) 1 $195,000 $195,000 $1,593 4.50%
ST. CLOUD, MN (FHA|USDA|VA) 1 $195,000 $195,000 $2,450 4.50%
FARGO, ND-MN (FHA|USDA|VA) 1 $195,000 $195,000 $2,887 3.25%
ALBUQUERQUE, NM (FHA|USDA|VA) 1 $195,000 $195,000 $1,287 4.50%
Stephenville, TX (FHA|USDA|VA) 1 $195,000 $195,000 $2,068 4.75%
CORVALLIS, OR (FHA|USDA|VA) 1 $195,000 $195,000 $2,553 4.75%
MONROE, MI (FHA|USDA|VA) 2 $190,000 $95,000 $2,936 5.00%
Troy, AL (FHA|USDA|VA) 1 $185,000 $185,000 $1,920 4.38%
Granbury, TX (FHA|USDA|VA) 1 $185,000 $185,000 $1,627 4.50%
FAYETTEVILLE, NC (FHA|USDA|VA) 1 $185,000 $185,000 $5,996 4.38%
SAGINAW, MI (FHA|USDA|VA) 1 $185,000 $185,000 $4,413 4.50%
Show Low, AZ (FHA|USDA|VA) 1 $185,000 $185,000 $2,528 4.25%
Georgetown, SC (FHA|USDA|VA) 1 $185,000 $185,000 $2,301 4.25%
GREEN BAY, WI (FHA|USDA|VA) 1 $185,000 $185,000 $1,565 4.50%
Storm Lake, IA (FHA|USDA|VA) 1 $185,000 $185,000 $5,528 4.25%
Ontario, OR-ID (FHA|USDA|VA) 1 $185,000 $185,000 $3,382 4.75%
Red Wing, MN (FHA|USDA|VA) 1 $175,000 $175,000 $2,062 4.88%
Cookeville, TN (FHA|USDA|VA) 1 $175,000 $175,000 $2,349 4.75%
PITTSFIELD, MA (FHA|USDA|VA) 1 $175,000 $175,000 $2,450 4.63%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $175,000 $175,000 $3,426 4.13%
Fernley, NV (FHA|USDA|VA) 1 $175,000 $175,000 $2,071 4.63%
LONGVIEW, TX (FHA|USDA|VA) 1 $175,000 $175,000 $1,188 3.75%
Mitchell, SD (FHA|USDA|VA) 1 $175,000 $175,000 $1,834 4.00%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $165,000 $165,000 $3,135 4.50%
LONGVIEW, WA (FHA|USDA|VA) 1 $165,000 $165,000 $2,747 4.88%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $165,000 $165,000 $1,825 4.63%
SUMTER, SC (FHA|USDA|VA) 1 $165,000 $165,000 $2,344 4.88%
Thomaston, GA (FHA|USDA|VA) 1 $165,000 $165,000 $2,168 4.75%
WALLA WALLA, WA (FHA|USDA|VA) 1 $155,000 $155,000 $2,336 4.25%
LaGrange, GA-AL (FHA|USDA|VA) 1 $155,000 $155,000 $2,369 3.50%
MIDLAND, MI (FHA|USDA|VA) 1 $155,000 $155,000 $2,014 4.00%
Prineville, OR (FHA|USDA|VA) 1 $155,000 $155,000 $3,041 5.25%
FLORENCE, SC (FHA|USDA|VA) 1 $155,000 $155,000 $2,643 4.63%
Bennington, VT (FHA|USDA|VA) 1 $155,000 $155,000 $3,526 4.13%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $155,000 $155,000 $6,091 4.50%
AMES, IA (FHA|USDA|VA) 1 $155,000 $155,000 $1,719 4.50%
Willmar, MN (FHA|USDA|VA) 1 $155,000 $155,000 $2,416 4.63%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $155,000 $155,000 $1,477 4.38%
EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $155,000 $155,000 $2,638 4.38%
DOTHAN, AL (FHA|USDA|VA) 2 $150,000 $75,000 $2,118 5.88%
LAWTON, OK (FHA|USDA|VA) 1 $145,000 $145,000 $6,774 4.75%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $145,000 $145,000 $1,555 4.63%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $145,000 $145,000 $1,960 5.13%
BRUNSWICK, GA (FHA|USDA|VA) 1 $135,000 $135,000 $2,727 3.75%
Meadville, PA (FHA|USDA|VA) 1 $135,000 $135,000 $2,680 4.63%
OCALA, FL (FHA|USDA|VA) 1 $135,000 $135,000 $1,904 4.88%
PANAMA CITY, FL (FHA|USDA|VA) 1 $135,000 $135,000 $3,268 4.50%
BINGHAMTON, NY (FHA|USDA|VA) 1 $125,000 $125,000 $3,113 4.00%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $125,000 $125,000 $2,350 4.63%
APPLETON, WI (FHA|USDA|VA) 1 $125,000 $125,000 $2,418 4.75%
IOWA CITY, IA (FHA|USDA|VA) 1 $125,000 $125,000 $1,899 4.13%
Burlington, IA-IL (FHA|USDA|VA) 2 $120,000 $60,000 $2,991 4.94%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $115,000 $115,000 $2,990 5.25%
Athens, TX (FHA|USDA|VA) 1 $115,000 $115,000 $3,014 4.13%
Ellensburg, WA (FHA|USDA|VA) 1 $115,000 $115,000 $2,477 5.38%
READING, PA (FHA|USDA|VA) 1 $115,000 $115,000 $2,770 4.13%
Moses Lake, WA (FHA|USDA|VA) 1 $105,000 $105,000 $2,184 4.38%
Muskogee, OK (FHA|USDA|VA) 1 $105,000 $105,000 $2,368 3.75%
Fitzgerald, GA (FHA|USDA|VA) 1 $105,000 $105,000 $2,029 4.88%
BLOOMINGTON, IL (FHA|USDA|VA) 1 $105,000 $105,000 $1,642 4.00%
New Castle, IN (FHA|USDA|VA) 1 $95,000 $95,000 $2,308 5.00%
Ludington, MI (FHA|USDA|VA) 1 $95,000 $95,000 $1,703 4.50%
Quincy, IL-MO (FHA|USDA|VA) 1 $85,000 $85,000 $1,514 4.63%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 1 $85,000 $85,000 $1,891 5.00%
ALEXANDRIA, LA (FHA|USDA|VA) 1 $75,000 $75,000 $2,119 3.75%
Cadillac, MI (FHA|USDA|VA) 1 $75,000 $75,000 $1,718 4.75%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $75,000 $75,000 $1,423 4.88%
Ponca City, OK (FHA|USDA|VA) 1 $75,000 $75,000 $3,591 4.63%
Mason City, IA (FHA|USDA|VA) 1 $65,000 $65,000 $1,563 4.38%
Muscatine, IA (FHA|USDA|VA) 1 $65,000 $65,000 $2,124 4.63%
Jefferson, GA (FHA|USDA|VA) 1 $55,000 $55,000 $1,953 4.13%
New Ulm, MN (FHA|USDA|VA) 1 $55,000 $55,000 $2,064 4.50%
GREAT FALLS, MT (FHA|USDA|VA) 1 $55,000 $55,000 $1,914 3.88%
Stifel Bank And Trust's top markets include St. Louis, New York, Los Angeles, Miami, and San Francisco among others.

Their top states include:
  • Missouri (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,848 $1,320,800,000 $343,243 $2,761 4.39%
    FHA 322 $52,430,000 $162,826 $3,727 4.41%
    VA 166 $44,850,000 $270,181 $4,473 4.23%
    USDA 21 $3,515,000 $167,381 $2,741 4.10%

    For 2018, Stifel Bank And Trust's most frequently originated type of loan was Conventional, with 3,848 originations. Their 2nd most popular type was FHA, with 322 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 3,163 $904,115,000 $285,841 $2,966 4.46%
    Cash Out Refi 488 $200,600,000 $411,066 $2,795 4.30%
    Refi 460 $195,210,000 $424,370 $2,517 4.09%
    Other 234 $113,700,000 $485,897 $2,917 4.14%
    Home Improvement 12 $7,970,000 $664,167 $3,004 4.21%

    For 2018, Stifel Bank And Trust's most frequently cited loan purpose was Home Purchase, with 3,163 originations. The 2nd most popular reason was Cash Out Refi, with 488 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 3,855 $1,303,455,000 $338,121 $2,961 4.42%
    15 Year 330 $84,280,000 $255,394 $2,395 4.01%
    20 Year 77 $19,865,000 $257,987 $2,373 4.34%
    10 Year 62 $5,150,000 $83,065 $1,794 3.93%
    Other 33 $8,845,000 $268,030 $2,693 4.54%

    For 2018, Stifel Bank And Trust's most frequently cited loan duration was 30 Year, with 3,855 originations. The 2nd most popular length was 15 Year, with 330 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 4,099 $1,335,045,000 $325,700
    $1k-2k 165 $46,935,000 $284,455
    $2k-3k 37 $14,535,000 $392,838
    $3k-4k 23 $10,205,000 $443,696
    $4k-5k 16 $5,080,000 $317,500
    $5k+ 16 $9,790,000 $611,875

    Stifel Bank And Trust's average total fees were $2,961, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 4,099 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 2,560 $655,770,000 $256,160
    3-4% 1,249 $678,685,000 $543,383
    5-6% 485 $64,635,000 $133,268
    2.5-3% 21 $21,175,000 $1,008,333
    6-7% 2 $130,000 $65,000
    <2.5% 1 $1,005,000 $1,005,000

    During 2018, Stifel Bank And Trust's average interest rate for loans was 4.42%, while their most frequently originated rate bucket for loans was 4-5%, with 2,560 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,470 $414,030,000 $281,653 $2,973 4.33%
    $100k-200k 1,390 $206,290,000 $148,410 $2,400 4.56%
    $100,000 or less 544 $36,660,000 $67,390 $1,961 4.85%
    $400k-600k 459 $216,925,000 $472,603 $3,413 4.13%
    $600k-1MM 321 $240,785,000 $750,109 $3,849 3.89%
    $1MM+ 173 $306,905,000 $1,774,017 $5,828 3.67%

    2018 saw Stifel Bank And Trust place emphasis on $200k-400k loans with 1,470 originations, totaling $414,030,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 873 $290,295,000 $332,526 $2,909 4.40%
    $100k-150k 849 $224,255,000 $264,140 $2,842 4.43%
    $250k+ 772 $583,590,000 $755,946 $3,752 4.02%
    $50k-75k 705 $122,065,000 $173,142 $2,535 4.50%
    $75k-100k 628 $137,840,000 $219,490 $2,846 4.48%
    $50k or less 521 $60,175,000 $115,499 $2,218 4.57%

    Stifel Bank And Trust lent most frequently to those with incomes in the $150k-250k range, with 873 originations. The second most popular income band? $100k-150k, with 849 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 988 $308,000,000 $311,741 $2,747 4.35%
    30-36% 801 $258,405,000 $322,603 $2,828 4.42%
    <20% 402 $160,710,000 $399,776 $2,771 4.22%
    42% 198 $62,820,000 $317,273 $2,888 4.49%
    40% 193 $63,425,000 $328,627 $2,947 4.39%
    41% 180 $63,410,000 $352,278 $3,047 4.31%
    39% 171 $64,565,000 $377,573 $2,964 4.41%
    43% 168 $53,920,000 $320,952 $2,849 4.44%
    37% 164 $48,490,000 $295,671 $2,975 4.43%
    38% 163 $67,255,000 $412,607 $2,897 4.31%
    36% 154 $56,820,000 $368,961 $3,067 4.36%
    44% 148 $44,450,000 $300,338 $3,053 4.50%
    49% 114 $30,940,000 $271,404 $3,215 4.46%
    48% 111 $24,935,000 $224,640 $2,918 4.59%
    45% 111 $30,545,000 $275,180 $3,047 4.50%
    47% 103 $30,575,000 $296,845 $2,786 4.38%
    46% 98 $27,520,000 $280,816 $2,897 4.42%
    50-60% 82 $20,990,000 $255,976 $4,218 4.25%
    >60% 5 $2,355,000 $471,000 $3,080 4.10%

    Stifel Bank And Trust lent most frequently to those with DTI ratios of 20-30%, with 988 originations. The next most common DTI ratio? 30-36%, with 801 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,723 $1,223,485,000 $328,629 $2,876 4.37%
    Not provided 332 $129,830,000 $391,054 $3,251 4.39%
    Asian 117 $38,235,000 $326,795 $2,944 4.53%
    Black 170 $26,170,000 $153,941 $2,492 4.64%
    American Indian 8 $2,130,000 $266,250 $3,371 4.16%
    Asian Indian 4 $890,000 $222,500 $4,129 4.28%
    Native Hawaiian or Islander 3 $855,000 $285,000 $4,469 4.29%

    Approval Rates

    Total approvals of all applications
    98.11%

    Stifel Bank And Trust has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    87.63%

    Stifel Bank And Trust has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 4,357 $1,421,595,000 $326,278

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 4,357 $1,421,595,000 $326,278

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 231 $71,365,000 $308,939 $2,719 4.06%
    40-60% 479 $225,195,000 $470,136 $2,834 4.11%
    60-80% 1,854 $659,230,000 $355,572 $2,777 4.42%
    80-100% 1,679 $446,675,000 $266,036 $3,015 4.47%
    Over 100% 28 $9,040,000 $322,857 $7,632 4.14%
    Under 20% 86 $10,090,000 $117,326 $2,181 4.18%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    STIFEL FINANCIAL CORP. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 25.0%
    STIFEL FINANCIAL CORP. Conventional home mortgage Trouble during payment process 1 25.0%
    STIFEL FINANCIAL CORP. VA mortgage Closing on a mortgage 1 25.0%
    STIFEL FINANCIAL CORP. VA mortgage Trouble during payment process 1 25.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Stifel Bank and Trust 12655 Olive Blvd., Suite 340 Saint Louis, MO 63141 Full Service B&M $0
    Stifel Bank and Trust 501 North Broadway Saint Louis, MO 63102 Full Service B&M $13,909,629

    For 2018, Stifel Bank And Trust had 2 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $550,151
    Net interest income $454,679
    Total noninterest income $24,144
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $4
    Trading account gains and fees $0
    Additional Noninterest Income $24,140
    Pre-tax net operating income $373,981
    Securities gains (or losses, -) $-3,901
    Income before extraordinary items $277,388
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $277,388
    Minority interest net income $0
    Net income $277,388
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $280,469

    Stifel Bank And Trust's gross interest income from loans was $550,151,000.
    Stifel Bank And Trust's net interest income from loans was $454,679,000.
    Stifel Bank And Trust's fee based income from loans was $4,000.
    Stifel Bank And Trust's net income from loans was $277,388,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $95,472
    Provision for credit losses $16,902
    Total noninterest expense $87,940
    Salaries and employee benefits $17,684
    Premises and equipment expense $3,083
    Additional noninterest expense $67,173
    Applicable income taxes $92,692
    Net charge-offs $8
    Cash dividends $180,000

    Stifel Bank And Trust's interest expense for loans was $95,472,000.
    Stifel Bank And Trust's payroll and benefits expense were $17,684,000.
    Stifel Bank And Trust's property, plant and equipment expenses $3,083,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $14,221,005
    Deposits held in domestic offices $14,221,005
    Deposits by Individuals, partnerships, and corporations $14,210,108
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $10,797
    Deposits by Commercial banks and other depository institutions in U.S. $100
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $384,900
    Demand deposits $384,874
    Nontransaction accounts $13,836,105
    Money market deposit accounts (MMDAs) $12,192,658
    Other savings deposits (excluding MMDAs) $19,029
    Total time deposits $1,624,419
    Total time and savings deposits $13,836,131
    Noninterest-bearing deposits $48,295
    Interest-bearing deposits $14,172,710
    Retail deposits $12,418,812
    IRAs and Keogh plan accounts $212
    Brokered deposits $1,793,136
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $16,110,188
    Cash & Balances due from depository institutions $917,876
    Interest-bearing balances $884,529
    Total securities $7,068,529
    Federal funds sold & reverse repurchase $0
    Net loans and leases $7,655,237
    Loan and leases loss allowance $85,135
    Trading account assets $0
    Bank premises and fixed assets $254,048
    Other real estate owned $3,550
    Goodwill and other intangibles $21,854
    All other assets $189,094

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $16,110,188
    Total Liabilities $14,954,693
    Total deposits $14,221,005
    Interest-bearing deposits $14,172,710
    Deposits held in domestic offices $14,221,005
    % insured (estimated) $87
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $664,505
    Subordinated debt $0
    All other liabilities $69,183

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $7,655,237
    Loan and leases loss allowance $85,135
    Total loans and leases (domestic) $7,740,372
    All real estate loans $3,162,014
    Real estate loans in domestic offices $3,162,014
    Construction and development loans $91,601
    Residential 1-4 family construction $546
    Other construction, all land development and other land $91,055
    Loans secured by nonfarm nonresidential properties $129,210
    Nonfarm nonresidential secured by owner-occupied properties $43,511
    Commercial real estate & other non-farm, non-residential $85,699
    Multifamily residential real estate $0
    1-4 family residential loans $2,941,203
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $2,207
    Commercial and industrial loans $3,532,772
    To non-U.S. addressees $190,131
    Loans to individuals $684,028
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $0
    Other loans to individuals $684,028
    All other loans & leases $359,351
    Loans to foreign governments and official institutions $0
    Other loans $359,351
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $8,936
    Non 1-4 family restructured loans & leases $8,936
    Total loans and leases (foreign) $0

    Stifel Bank and Trust had $7,655,237,000 of loans outstanding in 2018. $3,162,014,000 of loans were in real estate loans. $91,601,000 of loans were in development loans. $0 of loans were in multifamily mortgage loans. $2,941,203,000 of loans were in 1-4 family mortgage loans. $2,207,000 of loans were in farm loans. $0 of loans were in credit card loans. $0 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 2 $969 $484,500
    Nonfarm, nonresidential loans - $250k-1MM 2 $969 $484,500
    Commercial & Industrial, US addressed loans - <$1MM 549 $248,375 $452,413
    Commercial & Industrial, US addressed loans - <$100k 71 $5,967 $84,042
    Commercial & Industrial, US addressed loans - $100-250k 162 $32,582 $201,123
    Commercial & Industrial, US addressed loans - $250k-1MM 316 $209,826 $664,006
    Agriculture operations loans - <$1MM 5 $463 $92,600
    Agriculture operations loans - <$100k 1 $46 $46,000
    Agriculture operations loans - $100-250k 4 $417 $104,250