Stifel Bank and Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
92nd2.3% deniedPricingmedian rate spread over APOR, weight 30%
81st0.00 ptsProcesswithdrawn + incomplete share, weight 15%
85th8.9%Closing coststotal loan costs ÷ loan amount, weight 10%
92nd0.87% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 4,020 | 3,485 | 1.9% | 2.2% | 6.25% | $1.6B |
| 2024 | 4,323 | 3,827 | 1.6% | 1.8% | 6.38% | $1.9B |
| 2025 | 5,127 | 4,497 | 2.1% | 2.3% | 6.13% | $2.5B |
What Stifel Bank and Trust lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 724 home-equity lines, 0 reverse mortgages, 6 manufactured homes, 467 investment properties.
Why Stifel Bank and Trust denies applications
Primary reason reported for each of the 109 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Stifel Bank and Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 131 | 100 | 13.0% |
| $50k – $100k | 760 | 655 | 3.5% |
| $100k – $150k | 795 | 692 | 2.8% |
| $150k – $250k | 1,221 | 1,068 | 1.7% |
| Over $250k | 2,192 | 1,959 | 1.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 107 | 94 | 2.1% |
| 25–34 | 963 | 852 | 1.3% |
| 35–44 | 1,067 | 944 | 2.7% |
| 45–54 | 891 | 770 | 3.1% |
| 55–64 | 986 | 872 | 3.0% |
| 65–74 | 790 | 678 | 2.4% |
| Over 74 | 323 | 287 | 0.3% |
Where Stifel Bank and Trust lends
51 states and 826 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Missouri | 1,722 | 1,522 | 2.3% | 6.38% | #33 |
| California | 414 | 364 | 1.5% | 6.00% | #283 |
| Florida | 314 | 265 | 2.9% | 6.00% | #298 |
| Illinois | 165 | 150 | 1.8% | 6.13% | #279 |
| New York | 165 | 138 | 5.5% | 6.13% | #225 |
| Texas | 158 | 142 | 1.9% | 6.00% | #461 |
| North Carolina | 146 | 122 | 4.1% | 6.13% | #272 |
| New Jersey | 140 | 119 | 2.1% | 6.25% | #230 |
| Georgia | 126 | 115 | 2.4% | 6.00% | #305 |
| Colorado | 121 | 104 | 0.8% | 6.06% | #212 |
| Alabama | 115 | 101 | 0.9% | 6.00% | #214 |
| Tennessee | 104 | 91 | 0.0% | 6.13% | #319 |
| Michigan | 102 | 90 | 1.0% | 6.13% | #274 |
| Arizona | 99 | 90 | 0.0% | 6.13% | #244 |
| Ohio | 93 | 74 | 3.2% | 6.13% | #335 |
| Indiana | 91 | 78 | 4.4% | 6.00% | #287 |
| Pennsylvania | 89 | 81 | 2.3% | 6.13% | #389 |
| Washington | 81 | 73 | 0.0% | 6.13% | #259 |
| Virginia | 70 | 60 | 4.3% | 6.13% | #329 |
| South Carolina | 68 | 66 | 1.5% | 6.00% | #301 |
| Oregon | 55 | 49 | 1.8% | 6.00% | #211 |
| Minnesota | 52 | 47 | 1.9% | 6.13% | #287 |
| Wisconsin | 51 | 44 | 2.0% | 6.06% | #331 |
| Montana | 46 | 41 | 4.4% | 6.00% | #105 |
| Utah | 45 | 38 | 0.0% | 6.00% | #180 |
| Massachusetts | 43 | 41 | 0.0% | 6.13% | #342 |
| Idaho | 42 | 40 | 0.0% | 6.00% | #177 |
| Mississippi | 35 | 30 | 2.9% | 6.00% | #195 |
| Nevada | 34 | 30 | 0.0% | 6.00% | #237 |
| Connecticut | 33 | 28 | 0.0% | 6.13% | #251 |
| Kansas | 33 | 28 | 3.0% | 6.00% | #261 |
| Maryland | 31 | 26 | 0.0% | 5.88% | #365 |
| Kentucky | 24 | 21 | 4.2% | 6.13% | #335 |
| Oklahoma | 24 | 19 | 0.0% | 6.13% | #320 |
| Wyoming | 23 | 21 | 0.0% | 6.13% | #98 |
| Hawaii | 22 | 15 | 4.6% | 5.88% | #126 |
| New Mexico | 22 | 20 | 0.0% | 6.13% | #195 |
| Arkansas | 21 | 19 | 4.8% | 6.25% | #283 |
| Louisiana | 14 | 14 | 0.0% | 5.94% | #347 |
| New Hampshire | 13 | 12 | 0.0% | 5.94% | #227 |
| Iowa | 12 | 12 | 0.0% | 6.06% | #339 |
| Delaware | 10 | 9 | 0.0% | 6.00% | #242 |
| Maine | 9 | 8 | 11.1% | 5.75% | #229 |
| South Dakota | 9 | 6 | 0.0% | 7.63% | #138 |
| North Dakota | 8 | 5 | 0.0% | 6.13% | #143 |
| Vermont | 7 | 7 | 0.0% | 5.88% | #134 |
| Alaska | 6 | 6 | 0.0% | 6.06% | #122 |
| Nebraska | 6 | 4 | 0.0% | 5.88% | #281 |
| Rhode Island | 6 | 6 | 0.0% | 5.94% | #234 |
| West Virginia | 5 | 3 | 0.0% | 5.88% | #316 |
Frequently asked questions
Stifel Bank and Trust denied 2.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 92nd percentile of mid-size mortgage lenders.
The most common reason Stifel Bank and Trust gave in 2025 was "debt-to-income ratio", cited on 33.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Stifel Bank and Trust originated in 2025 was 6.13%, and its median rate spread over the average prime offer rate was 0.00 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 63% of its applications were for home purchases, 18% for refinancing (including cash-out), and 19% for home improvement or other purposes. By loan type: 96% conventional, 2% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.