Stifel Bank and Trust mortgage approval rate & lending review
Stifel Bank and Trust decided 7,047 mortgage applications and funded 6,860 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Stifel Bank and Trust reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Stifel Bank and Trust at a glance
Approval is 14.1 points above the 84.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 99% | 4,500 / 4,537 | 99% | $345K | 4,434 |
| Home improvement loans | 93% | 52 / 56 | 98% | $155K | 51 |
| Cash-out refinance | 96% | 416 / 434 | 98% | $375K | 408 |
| Refinance | 99% | 494 / 498 | 99% | $425K | 489 |
| Investment property purchase | 99% | 1,181 / 1,189 | 98% | $345K | 1,159 |
| Investment cash-out refinance | 99% | 177 / 178 | 99% | $315K | 175 |
| Investment refinance | 96% | 133 / 139 | 97% | $335K | 129 |
Stifel Bank and Trust lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Missouri | 99% | $265K | 2,117 | 2,069 |
| California | 100% | $905K | 604 | 580 |
| Florida | 98% | $475K | 565 | 542 |
| Texas | 98% | $535K | 333 | 325 |
| Illinois | 99% | $465K | 269 | 261 |
| New York | 97% | $615K | 264 | 248 |
| New Jersey | 100% | $665K | 222 | 218 |
| North Carolina | 100% | $405K | 188 | 186 |
| Arizona | 100% | $485K | 172 | 169 |
| Georgia | 99% | $475K | 167 | 164 |
| Alabama | 100% | $385K | 159 | 157 |
| Pennsylvania | 98% | $335K | 151 | 147 |
| Tennessee | 99% | $485K | 150 | 148 |
| Colorado | 98% | $485K | 144 | 137 |
| Ohio | 99% | $325K | 128 | 126 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Stifel Bank and Trust lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| St. Charles County, MO | Mortgage lenders | 100% | 704 | 695 |
| St. Louis County, MO | Mortgage lenders | 98% | 321 | 311 |
| St. Louis city, MO | Mortgage lenders | 98% | 321 | 311 |
| Jefferson County, MO | Mortgage lenders | 99% | 147 | 145 |
| St. Louis County, MO | Investment property purchase | 100% | 96 | 94 |
| St. Louis city, MO | Investment property purchase | 100% | 96 | 94 |
| St. Charles County, MO | Investment property purchase | 100% | 82 | 81 |
| St. Charles County, MO | Refinance | 98% | 53 | 51 |
| Franklin County, MO | Mortgage lenders | 98% | 42 | 40 |
| St. Charles County, MO | Cash-out refinance | 100% | 36 | 36 |
| St. Clair County, IL | Mortgage lenders | 97% | 36 | 35 |
| Collier County, FL | Investment property purchase | 100% | 31 | 31 |
The county markets where Stifel Bank and Trust made the most loans. Each link opens that market with every lender ranked.
Questions about Stifel Bank and Trust
What is Stifel Bank and Trust's mortgage approval rate?
Stifel Bank and Trust approved 98.9% of the 7,047 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.1 points above the 84.8% national rate for the same mix of loan types.
How often do borrowers take the loan Stifel Bank and Trust offers?
Borrowers accepted 98% of the loans Stifel Bank and Trust approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Stifel Bank and Trust make?
The typical home purchase mortgage loan Stifel Bank and Trust made was $345K; across all loan types its typical loan ran from $155K to $425K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Stifel Bank and Trust lend?
Stifel Bank and Trust decided applications in 50 of the states Fat Boy Data covers, most of them in Missouri, California and Florida.
Can I apply to Stifel Bank and Trust directly?
Yes. Stifel Bank and Trust is a bank or credit union with 2 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Stifel Bank and Trust's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Stifel Bank and Trust treats applications, then get a rate quote from the lender.