The Mortgage Record
Lender report card · New Jersey

Stifel Bank & Trust

St. Louis, MO · What the federal mortgage record shows about how Stifel Bank & Trust treated New Jersey applicants, 2018–2025 — 1,262 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
98.3%
1,241 approved
Denial rate
1.7%
21 denied
Decisions
1,262
2018–2025
Avg. rate spread
-0.09 pp
vs. market benchmark
98.3% approved
1.7% denied

Share of 1,262 New Jersey applications Stifel Bank & Trust approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional98.4% of 1,249 · NJ 87%

“NJ” = the statewide average approval rate for that loan type, for comparison.

Approval rate over time

92%94%96%98%100%95%98%98%98%100%100%98%100%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Stifel Bank & Trust’s rates ran -0.32 pp lower than the typical New Jersey lender (average rate spread -0.09 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Stifel Bank & Trust approves

By income
$50–75k96.3% · 54$75–100k90.7% · 107$100–150k98.0% · 254$150–250k99.7% · 345$250k+99.4% · 484
By debt-to-income
Under 36%98.9% · 73936–43%99.0% · 30543–50%99.0% · 203
By down payment (LTV)
20%+ down99.1% · 1,05410–20% down92.9% · 70

Why Stifel Bank & Trust denied applications

Collateral (value/type)48% of denialsDebt-to-income ratio38% of denialsIncomplete application10% of denialsCredit history10% of denialsInsufficient cash to close5% of denials

Where Stifel Bank & Trust lends in NJ

CountyDecisionsApproval
Bergen County21098.6%
Monmouth County18396.2%
Morris County14097.9%
Essex County115100.0%
Ocean County112100.0%
Mercer County8197.5%
Union County56100.0%
Cape May County5096.0%

Fees & closing costs

Median total loan costs
$4,992
home purchase
As % of loan
1.06%
NJ median 1.93%
Priced originations
493
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Stifel Bank & Trust’s home-purchase originations — 0.87 points lower than the 1.93% New Jersey median. Typical lender credit toward costs: $90. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

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Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Stifel Bank & Trust (LEI CKVBED0S4DMLKJJ5XH28). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →