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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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S&T BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
S&T BANK |
| Address | 355 N. 5TH ST
INDIANA, PA 15701 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 3,049 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $192,435,000 |
| Average Mortgage Loan Amount Applied For | $203,727 |
| Highest Mortgage Loan Amount Applied For | $1,500,000 |
| Average Applicant Income | $188,659 |
| Highest Applicant Income | $2,826,000 |
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| Home Improvement |
845 | $27,626,000 |
$32,000 | $710,000 |
$63,000 | $900,000 |
| Home Purchase |
772 | $68,010,000 |
$88,000 | $1,500,000 |
$72,000 | $2,826,000 |
| Refinancing |
1,479 | $101,502,000 |
$68,000 | $1,200,000 |
$68,000 | $2,400,000 |
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| American Indian or Alaskan Native |
17 | $837,000 |
$49,000 | $110,000 |
$61,000 | $106,000 |
| Asian |
4 | $848,000 |
$212,000 | $600,000 |
$345,000 | $450,000 |
| Black or African American |
20 | $1,438,000 |
$71,000 | $375,000 |
$54,000 | $132,000 |
| Hispanic |
17 | $1,111,000 |
$65,000 | $268,000 |
$58,000 | $125,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $142,000 |
$71,000 | $75,000 |
$109,000 | $171,000 |
| Not applicable |
7 | $941,000 |
$134,000 | $360,000 |
$143,000 | $800,000 |
| Not Provided |
556 | $29,264,000 |
$52,000 | $600,000 |
$59,000 | $750,000 |
| White |
2,473 | $162,557,000 |
$65,000 | $1,500,000 |
$69,000 | $2,826,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
3,096 | $197,138,000 |
$63,000 | $1,500,000 |
$68,000 | $2,826,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
240 | $13,398,000 |
$55,000 | $432,000 |
$68,000 | $500,000 |
| Application Denied By Financial Institution |
401 | $19,804,000 |
$49,000 | $400,000 |
$44,000 | $212,000 |
| Application Withdrawn By Applicant |
155 | $12,252,000 |
$79,000 | $600,000 |
$70,000 | $750,000 |
| File Closed For Incompleteness |
6 | $584,000 |
$97,000 | $340,000 |
$126,000 | $375,000 |
| Loan Originated |
2,247 | $146,397,000 |
$65,000 | $1,500,000 |
$72,000 | $2,826,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
2 | $350,000 |
$175,000 | $300,000 |
$147,000 | $278,000 |
| Preapproval Denied by Financial Institution |
45 | $4,353,000 |
$96,000 | $496,000 |
$48,000 | $120,000 |
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| Collateral |
19 | $1,084,000 |
$57,000 | $179,000 |
$51,000 | $119,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
190 | $7,009,000 |
$36,000 | $496,000 |
$47,000 | $212,000 |
| Debt-To-Income Ratio |
72 | $3,670,000 |
$50,000 | $384,000 |
$42,000 | $107,000 |
| Employment History |
39 | $1,081,000 |
$27,000 | $113,000 |
$37,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
125 | $11,180,000 |
$89,000 | $400,000 |
$45,000 | $180,000 |
| Unverifiable Information |
1 | $133,000 |
$133,000 | $133,000 |
$17,000 | $17,000 |
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Mortgage Loan App Totals for S&T BANK by:
Metropolitan Area And
County
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